Twas a Few Days After Christmas
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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

"A Christmas Story - 'Twas a Few Days After Christmas"

by Paul S. Richard - ICFE Executive Director

Twas a few months after Christmas and in this house,
the parents are worried not just over a mouse.

Because they got all charged up and overspent Christmas,
Now they are afraid they might become homeless.

Parents had over stuffed the stockings without a care,
not giving much thought that the credit card bills would soon be there.

The parents were fretting over the amount of their bills.
We are afraid last Christmas, they lamented, we didn't have much will.

About noon the mailbox noise was heard,
more charge card bills brought debt up a third

Now it's the mortgage company, this time on the telephone
warning and begging not to default on the loan

With bills piling up, parents wonder what are we going to do?
Maybe visit a credit counselor and a bankruptcy attorney too?

Spending is the key says to have your savings increase.
You won't have to go bankrupt but the credit card spending must cease.

Coupons and rebates increase the spendable dollar.
To get the kids to clip them and learn how to save, we may have to holler.

Now almost a year later, spending is improved and the bills are up to date.
Christmas will be a joy, because we use a list the whole family helped create.

To avoid credit based spending, we are shrinking that list and what we spend,
So we can enjoy a holiday that is paid for and won't have to ask anyone to lend.

Thanks to our debt is manageable and no longer out of sight
We've paid down the bills, so our holidays will be debt free and really bright.

For more information contact: ICFE Executive Director Paul S. Richard 619-239-1401

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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: 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.
ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.
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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.
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