Advantage Advisor
Monthly Newsletter
December / 2018
Consumers plan to spend more this holiday season, even as many are still working to pay off last year's charges. For most of us, holiday shopping — whether it is seen as an adventure or a chore — is an inevitable part of our future. About 39.4 million Americans are still paying off credit card balances amassed over the 2017 holiday season.

Click below for more information:
In This Issue:


2018 Holiday Shopping Report
Improve Your Holiday Spending
Should Teens Have A Credit Card
Property Taxes & Reassessment
Clients Speak Out
Employee Spotlight
The Advantage Challenge
RECENT BLOG POSTS - 
The holidays are officially here! Many people spend hundreds or even thousands of dollars more during the holidays than they normally spend. A considerable amount of this money may be allocated for gifts for .... Read more
According to TransUnion, 20% of people who are between the ages of 13 and 18 have a credit card. However, many parents are still reluctant to give their teen a credit card. There are negatives that come along with it. For example, teens who do not use their credit cards responsibly ....   Read more
As many as 60 percent of properties across the country are over-assessed, according to the National Taxpayers Union, a nonprofit group that promotes lower taxes. Many people don’t fully understand what a reassessment is and what it could mean for your property taxes ....   Read more
CLIENTS SPEAK OUT - 
"What I love about ACCS is that the staff members are very responsive (to emails and phone calls) and always try to accommodate our special requests for receiving a check versus doing direct withdrawal. They were very supportive during the entire 5 years we worked with them, couldn't have asked for better partners!"  ~ Helen S .
" ACCS is very easy to work with and knows all of the ins and outs of debt management. We totally trusted that they had our best interests in mind. Any time I called with a question they knew exactly what to do. "  ~ Jennifer L.
"We appreciate what you did for us and we are glad for the assistance in paying down the credit cards to where we could manage our budget and finally pay them off. Thank you!"  ~ Janet S.
"Your services got me through an extremely difficult time in my life. Tragedy struck my family and really set us back financially. Not having to worry about dealing with the creditors, was a huge burden lifted from me."  ~ William W.
EMPLOYEE SPOTLIGHT - 
In our “Employee Spotlight” series, we ask our employees about the role they play in our agency and a little bit about their family and personal life. We want to give you the ability to hear right from them about what gets them excited to come to work each day and how they personally help all of our clients succeed.
 
Let's meet our  Program Support Specialist ,  DeLisa Nuckels !
 
How long have you worked for the agency? –  "One year and one month ."
 
What are your primary job duties? –  "Customer service, managing all ACH request for changes, manage client payment issues, disburse funds, print and e-mail client statements, balance and transfer ACH and payment files ."
 
What was the most unusual and/or interesting job you've ever had? –  "During high school, I worked during the summer and school year assisting the office secretaries which started my career for customer service and administrative assistant duties. "
 
Would you say you are messy or organized? –  "Organized ."
 
What's your favorite food? –  "Pork Chops ."
 
What's your least favorite food? –  "Beans ."
 
Do you have any hobbies? –  "I enjoy hanging out with my family and friends ."
 
What is the one thing you couldn’t live without? –  "My husband and family! "
 
What is your favorite book and/or movie? –  "Congo ."
 
What is your favorite color? –  "Red ."
 
What is your favorite vacation spot? -  "Las Vegas, Nevada and Deep Creek, Maryland. "
ADVANTAGE CHALLENGE - 
Are you up for the Advantage Challenge?

Advantage CCS challenges YOU to ...set a financial goal for 2019.

Maybe it’s to reduce your debt or maybe you want to build an emergency fund. Whatever it is, make it a priority and come up with a plan to make it happen.

Look at your entire financial picture and monthly household budget . You can’t increase savings without cutting back on expenses. Figure out everything you will need to do to accomplish your goal.

Let us know what steps you’re taking! Email news@advantageccs.org and let us know what you’re doing and how you’re doing it. We'd love to hear from you!
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