Money Matters: Time to Spring Clean

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Tax season has officialy ended and most have some time before summer vacations occur, so spring becomes the perfect time to spruce up personal finances.

When you think of budgeting, picture yourself paying cash for a vacation, helping your kids through college, and enjoying a nice retirement.

It's time to honestly evaluate your financial situation and the experts at Consolidated Credit Counseling Services, Inc., a nonprofit credit counseling agency, offer timely tips to help you breathe new life into your family's financial future.

“Take a look at what your spending money on. "Budget" is not a dirty word.”, says Howard Dvorkin founder of Consolidated Credit Counseling Services and author of Credit Hell: How to Dig Out of Debt (Wiley & Sons 2005). “When you think of budgeting, picture yourself paying cash for a vacation, helping your kids through college, and enjoying a nice retirement.” Dvorkin continued.

Financial Spring Cleaning Tips:

•Clear out the clutter. Organization of your personal and financial records is a whole lot easier when the clutter is gone.

•Perform a credit checkup. A clean credit report can be a valuable asset. You can request a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. Check your reports carefully for accuracy and report any mistakes. Reviewing your reports also is a great way to get a snapshot of your financial obligations.

•Wipe out debt. Start by focusing on your debt with the highest interest rate first and once that account is paid off, apply that amount to the debt with the next highest interest rate. If you would like professional advice on how best to pay down your debt, call 1-800-728-3632 for a free confidential consultation or visit our web site for a free Budget Analysis.

•Review your legal documents. It pays to regularly review your will, living trust and durable power of attorney. You should also review your insurance policies to assure that you have appropriate coverage.

For more information about trimming your expenses, developing a spending plan, and repaying debts, visit

About the Organization

Consolidated Credit Counseling Services, Inc.™ founded in 1993, is one of the nation's largest credit counseling organization. Consolidated Credit’s mission is to assist families throughout the United States in ending financial crisis, and solving money management problems through education and professional counseling. As a nationally recognized organization, Consolidated Credit has helped millions households annually. For free and affordable confidential advice call 1-800-728-3632 or visit


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April Lewis-Parks
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