Advantage Advisor
Monthly Newsletter
August / 2018
Advantage CCS
Millions of people across America woke up this morning feeling burdened by debt. If you’ve ever felt overwhelmed by your debt, you know that it’s the first thing you think about in the morning, the last thing you think about at night, and what you’re thinking of throughout most of your waking hours in between. But that doesn’t mean the stress that comes from owing money has to be permanent. Find out how our free consumer credit counseling can help you!

Click below for more information:
In This Issue:


Tackling Credit Card Debt
Inconsistent Income Woes
Negative Credit Information
Lemonade Stand Lessons
Clients Speak Out
Company News & Events
Employee Spotlight
The Advantage Challenge
RECENT BLOG POSTS - 
Top Money-Saving Tips When Your Income Is Inconsistent
It may seem as though you are at a disadvantage with regards to saving money regularly in comparison to your counterparts who have a consistent income, but this is not necessarily the case. You simply have to .... Read more
Receiving a negative credit report can be devastating.You should check out your credit report frequently, and fix any problems as soon as possible. Sadly, when you don’t do this, there is a possibility that you will pay higher interest rates on everything from credit cards to car loans to insurance ....   Read more
How To Deal With Negative Credit Report Information
7 Helpful Lessons Learned From A Lemonade Stand
Just about every person in the country either owned a little lemonade stand with their friends when they were a kid or they knew someone else who owned one. What those people didn’t know was that they were learning valuable financial lessons that would help them later on in life and later on in business because they. ....   Read more
CLIENTS SPEAK OUT - 
"Any time we needed to call or email with an inquiry, we always had immediate resolution. Every associate was kind and considerate. This is a great program."  ~ Sandy K .
" Took care of all the details. Set up the monthly payments and negotiated very reasonable interests rates that allowed me to pay off my debt in a timely manner. Thank you so much! "  ~ Patricia V.
"From the very beginning no one was judgemental or made me feel embarrassed for having the need to use their services. Everyone has been respectful and eager to help. I already recommended your company to someone; I hope they call you. What an amazing feeling to get the letter stating your account is paid in full."  ~ Kathleen W.
COMPANY NEWS & EVENTS -   
Advantage CCS has partnered with the Pennsylvania Housing Finance Agency (PHFA) to bring you the " Take Charge of Your Money " campaign.

PHFA and Advantage CCS both believe that a true understanding of your finances is essential in order to make the best decisions that ultimately affect your future and the future of your loved ones. The goal of the campaign is to attract and serve more Pennsylvania consumers interested in managing their personal finances regardless of where they are in the homeownership process. You can meet with a nearby financial coach who will help you create a personal or family budget, bolster your credit score, and draft an action plan for managing your money. The financial decisions you make today will shape the quality of your life in the years ahead. Check out this awesome free campaign by visiting https://www.phfa.org/prfc/ today!
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  Manager of Counseling ,  Rosemary Lavelle !
 
How long have you worked for the company? –  "I've been with Advantage CCS for 2 years, but I was with CCCS of Northeastern PA for 31 years prior to the merge."
 
What are your primary job duties? –  "As Manager of Counseling, my primary duties are auditing and compliance within the Housing department."
 
What was the most unusual and/or interesting job you've ever had? –  "During my college internship, working with the US Marshals Service interviewing witnesses and serving warrants (non-violent offenders only)."
 
Would you say you are messy or organized? –  "I’ve always adhered to the old adage 'A clean desk is the sign of a sick mind.' So, I’m insanely messy."
 
What's your favorite food? –  "Any kind of pasta."
 
What's your least favorite food? –  "Ugh…white rice."
 
Do you have any hobbies? –  "Gardening, planning holidays/events, and binge watching SVU!"
 
What is the one thing you couldn’t live without? –  "My beautiful family, or wine."
 
What is your favorite book and/or movie? –  "Gone With The Wind."
 
What is your favorite color? –  "Green."
 
What is your favorite vacation spot? -  "Middle River, MD, on the shores of the Chesapeake Bay."
ADVANTAGE CHALLENGE - 
Are you up for the Advantage Challenge?

Advantage CCS challenges YOU ...to schedule a check-in on your Net Worth!

Net Worth means the difference between your assets (what you own ) and your liabilities (what you owe ). Knowing this number helps give you an overarching snapshot of your financial health.

To determine your Net Worth , add up the value of everything you own, including checking and savings accounts; retirement balances; and substantial assets, like real estate, cars, and jewelry. From that number, subtract all of the money you owe, whether from credit card debt , student loans, auto loans, or a mortgage. The resulting number is your Net Worth .

We would love to hear how you've been keeping track of your net worth . Send an email to   info@advantageccs.org . We're looking forward to hearing from you!