San Diego, CA.
"I don't know the total amount of my debts and
"It is very difficult for me to save any money at all."
"It seems to be a paycheck to paycheck life-style."
"There have been occasions when I have paid late charges
on a loan."
"I have paid only the minimum on revolving charge
"I have used (or plan to use) a consolidation loan to pay
"I have argued with a spouse over finances.
"An increased percentage of my income is being used to pay
"I have approached or about to reach my credit limits."
"I have received calls from a collection agency at both
work and home.
"I have been threatened with repossession of my car or
"I have put off medical or dental visits for financial
"I have reach a point where I would be in immediate
financial difficulty should I have an interruption in or suspension of my
"I am not properly insured with my motor vehicle because
of financial troubles."
"I am behind on my child support other court ordered
"I am afraid to add up my debts."
"I have had a financial institution close my checking
account because of too many non sufficient funds checks were presented.
"I have lost check writing privileges at some merchants I
shop with, because of non-sufficient funds checks.
"I am unable to obtain needed credit due to my credit
"I have been turned down for an apartment or home mortgage
based on my finances."
If you have answered "yes" for any of these twenty statements, you may
need bring your financial education current in order to rein in your
spending and possibly visit with a certified credit and debt counselor.
For information about "Mending
Spending," monthly budgeting guidelines, and
warning labels for your charge cards, visit the ICFE's Web page at:
The site also includes helpful sections on
using credit wisely, plus "How
to set up
and implement a spending-plan" (with a one page work sheet) for
personal and/or family finances. To receive the same information by mail,
please send $1 and a self-addressed, 60 cent stamped envelope to:
ICFE Money Helps
PO Box 34070
San Diego, CA 92163-4070
About the ICFE:
The Institute of Consumer Financial Education (ICFE),
founded in 1982 by the late Loren Dunton - creator of the "certified
financial planner” (CFP) designation - is dedicated to helping consumers
of all ages to improve their spending, increase savings and use credit
more wisely. The years between 1984 and 2000, the ICFE was also known as
the National Center for Financial Education (NCFE).
The ICFE is a nonprofit consumer education organization that has helped millions of people through its education programs and Resources. Over
one million "Credit
/ Debit Card Warning
Labels” and "Credit
/ Debit Card Sleeves” are in circulation world wide.
The ICFE's on-line help for consumers who spend too much
was featured in PARADE Magazine (June 9th, 2002) in the Intelligence
Report section. The money helps and tips are from the "Money
Instruction Book," a course in personal finance, which was completely
revised and updated in 2002 and is positioned to become among the premier
programs in the new bankruptcy and debtor education initiatives.
The ICFE's "Do-It-Yourself Credit File Correction
Guide," now in its Twelfth Printing, is in use by thousands of consumer credit and debt
counselors in addition to tens of thousands of consumers. It received a
"buy” rating in July, August and November from nationally syndicated
financial columnist, Humberto Cruz in his column, "The Savings Game".
BottomLine Personal newsletter gave the Guide a "Send For” rating in
September 2001. The ICFE and our do-it-yourself approach to credit file
correction was featured on NBC Nightly News on 04-30-02. The Spanish
edition of the Guide premiered in January 2002. Syndicated columnist,
Robert Heady also gave the ICFE Guide a "buy” rating.
The ICFE Web site at: www.financial-education-icfe.org helps consumers with
mending spending, learn about the
proper use of credit, budget and expense guidelines, how to set up and implement a
spending-plan and also access financial education courses and videos and how to
teach children about money. Other ICFE services include a
free eNews, and an
on-line resource center of financial education
learning tools, including videos, books and personal finance courses.
Consumers may learn more on the Internet about the "Do-It-Yourself
Credit File Correction Guide" here, or fill out our request
form, indicating your areas of interest.
For more information contact Paul S. Richard ICFE Executive Director at 619-239-1401.