"A Christmas Story - 'Twas a Few Days After Christmas"
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 ICFE.info 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
To avoid credit based spending, we are shrinking that list and what we
So we can enjoy a holiday that is paid for and won't have to ask anyone to
Thanks to ICFE.info 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
For more information contact: ICFE Executive Director Paul S. Richard
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.