Planning For Your Financial Future - Credit
Volume 7 - Issue 3 Fall/Winter 2012 Planning for Your Financial Future There is a popular saying that states by failing to prepare, you are preparing to fail. Planning for the unexpected is always a wise decision, especially when it comes to your finances. If you want to know what your financial future will look like, take an honest inventory of your spending habits and the decisions you are making day-to-day concerning your finances. This will give you a clear indication of where you are headed financially. If you find that you need to make some adjustments in order to reach your future goals or maintain your current standard of living, don't delay in making the changes that are necessary. Springboard can help you get started. We offer personal financial education and assistance with money, credit and debt management through financial education programs and confidential counseling. Financial Instructional Training Academy Springboard's Financial Instructional Training (FIT) Academy offers free online courses that are designed to help you to better manage your personal finances. The FIT Academy is available 24/7 with no registration needed and can be accessed from the convenience and privacy of your home or any mobile device. The online courses cover subjects such as money management, budgeting, eliminating debt, and understanding your credit reports. Visit the FIT Academy at http://credit.org/courses/. Confidential Credit & Debt Counseling Springboard's certified financial counselors will discuss your financial situation with you, help you understand what may cause financial stress, and help you create a personalized budget, an action plan, and give you options to help manage your finances more effectively. Your financial future starts today. Plan today for a brighter tomorrow. Visit Springboard online at www.Springboard.org or call 800.449.9818. Todd Emerson, President and Chief Executive Officer You can contact SPRINGBOARD by mail, phone, fax or email; we are always here to help. Mail: SPRINGBOARD Nonprofit Consumer Credit Management P.O. Box 5438 Riverside, CA 92517-5438 13-20 Phone: 1-877-Wise-Plan (1.877.947.3752) E-mail: SPRINGBOARD@credit.org Fax: 1.951.781.8027 Website: www.credit.org
The Dollar Stretcher From the Editor’s Desk: Expensive Emergency Room Bills IN THIS ISSUE 3 Gifts Money Can’t Buy 5 10 Low Cost Ways to Redecorate Page 2 According to the U.S. Dept. of Health and Human Services, in 2009, there were nearly 53 million emergency room visits at an average cost of 960. Here are 10 things to do to deal with an expensive emergency room visit: 1. 7 4 Ways to Reduce the Cost of Teen Auto Insurance Request an itemized statement. The hospital owes you a bill that details what services were provided and how much each one cost. 2. Check your statement. Often doctors and nurses put items on a bill based on their memory. 9 Compound Interest 3. Have a doctor review your statement. Doctors and nurses can more easily spot errors in your bill. It's easy for them to notice things that would not have been used on a patient with your condition. They can also more easily identify things that are double billed. 4. Ask the hospital to audit your bill. Hospitals routinely audit some bills to make sure their system is working properly. 5. Consider getting a patient advocate or financial counselor. A patient advocate is someone who is trained to negotiate on behalf of a patient with a medical organization. 6. Talk with the department manager. Confirm your desire to pay, but inability to handle a big bill. Don't be confrontational. Ask for a reduction. If they can't reduce the bill, ask about a payment plan. 7. Talk with the billing department. Ask about discounts and payment plans. Don't hesitate to ask for reductions that were rejected by the department manager. 8. Be willing to provide some information about your finances. A copy of your pay stub or tax return should be sufficient. 9. Write and ask for an adjustment. Some hospitals have special rates for those without insurance. Point out that HMOs and PPOs pay much less than the amounts you were billed. 12 Throwing a Successful Child’s Birthday Party 14 Frugal Holiday Recipes 18 Laptop v. Tablet v. Ultrabook 20 Adding a Dog to Your Family 22 My Story: The SMART Goal System 23 3 Herbal Remedies for Anxiety 25 Before You Begin Direct Sales 27 Cruising on a Budget 29 Readers’ Tips 10. Pay a little bit regularly. The hospital doesn't want to turn your account over to collections. Springboard and The Dollar Stretcher do not assume responsibility for advice given. All advice should be weighed against your own abilities and circumstances and applied accordingly. It is up to the reader to determine if advice is safe and suitable for his own situation. Produced for Springboard by The Dollar Stretcher, P.O. Box 14160, Bradenton, Fl 34280. Copyright 2012 Dollar Stretcher, Inc. All rights reserved. 02-20
living better.for less Imparting what you’ve learned to others Gifts Money Can’t Buy by Rich Finzer ith few exceptions, sometime after we’re born, the separation of the sexes begins. If this sounds sexist, I apologize in advance because it’s not meant to knock either gender or anyone’s upbringing. But the fact is that mommies spend a great deal of time teaching their daughters domestic skills, while daddies tend to impart the knowledge of tools and mechanical things to their sons. Is it fair? Nope, but fair or not, it’s true. So what’s this got to do with gift giving? It’s simple. There are some gifts money can’t buy and here are a few examples. W During my salad days as a bachelor (about 300 years ago), I dated a wonderful girl. She was pretty, smart, and could cook like a house on fire, but didn’t know which end of a hammer to hold when changing a light bulb. She was totally ignorant about all things mechanical. So for her birthday, instead of a regular present, I spent the entire day teaching her the basics of maintaining her car. And by sundown, she knew how to replace wiper blades, fuses, air filters, headlights and taillights. I also showed her where her jack and spare tire were located and how to check the oil, transmission fluid, brake fluid, and power steering juice. Despite being a college graduate from a loving family, no one had ever taken the time to show her how to do these things, and she was too embarrassed by her own ignorance to ask. She was happy and I was relieved, knowing she’d have fewer car problems she couldn’t address on her own. Knowledge is power, and gaining it delivers something even more important, which is self-confidence. Her education wasn’t over either. At Christmas, I presented her with a decent set of hand tools and a shiny new toolbox to store them in. My actions must have cont. on pg. 4. Page 3
The Dollar Stretcher Page 4 Gifts cont. inspired her, because a few months later she returned the favor. As a bachelor, I was utterly lost in the kitchen. My culinary skills consisted primarily of making toast, Kool-Aid, or brewing coffee. And the only kitchen utensil I could operate with any degree of proficiency was a corkscrew. Consequently, if we dined together, it was either at a restaurant or she whipped up a terrific meal at her place, but all that was about to change. During the following spring, she taught me the rudiments of how to cook. I didn’t evolve into a three-star chef, but at least, I learned that separating eggs didn’t mean placing them into two piles. More importantly, she taught me how to sew a little, which freed me from pestering my landlady or paying the cleaners every time I lost a shirt button. The point here is simple. All of us are good at something, but few of us are knowledgeable about everything. So sometimes the best gift is sharing your skills and imparting what you’ve learned to others. What you’re really giving that other person is the most precious gift of all, and that’s your time.
living better.for less Page 5 Redecorating when cost is important 10 Low Cost Ways to Redecorate by Shirley Byers hen the seasons change, human beings also crave change, and our surroundings are often what we look at first. Wouldn’t it be fun to gut the living room, refit the kitchen, and replace every stick of furniture in the house? W knick knacks. If you’re painting, Leona suggests taking everything out of a room before painting and carefully considering each piece before you allow it back in. This applies to furniture, accessories, and art. “Avoid re-cluttering your room, as less is truly more,” she says. Alternatively, how about something a little less expensive, or maybe, a lot less expensive? 3. Make a themed group of family photos such as grandparents, baby portraits, or wedding pictures and create a display on a table or sideboard. Interior decorators Leona Schell and Brigitte Braun and interior designer Charlotte Schwanke have a few tips on low-cost ways to change and liven up our decor. And their suggestions won’t break your budget. Let’s start off with one that doesn’t cost a cent. 1. “Mix it up!” says Charlotte. “Rethink your decorating and re-arrange your furniture.” Maybe the loveseat would work better on the wall facing the sofa. Maybe that blanket chest in the bedroom would make an interesting seat in the living room. Simply rearranging the furniture in a room can give the space a whole new look. 2. Reduce the clutter. Purge. Edit. Whatever you call it, the message is the same. Consider buying some attractive baskets to use for storage. Consider removing some of the Try for pictures of similar size, but it’s not necessary for the frames to match exactly in color or style. Take other things into consideration. “You could go with silver or black frames or both, but you wouldn’t throw an old, ornate, gold, gilded frame into that grouping,” says Charlotte. They don’t all have to match, but look for similar elements of design. 4. Paint is relatively inexpensive and it makes a big impact. “When painting walls, choose a clean, neutral color that complements your flooring,” says Leona. Rather than painting the entire room, you might think about painting a single, accent wall. It won’t take long and if you want to change it back or change it to a different color later, you won’t have invested a bunch of cash. Choose a shade that is at least two shades deeper than the paint on the other walls. For example, if cont. on pg. 6.
The Dollar Stretcher Page 6 Redecorate cont. you use a mint green paint on three walls of a bedroom, you might paint the accent wall a deeper shade of green. Or, look at your accessories. In a beige colored room that has green throw pillows, you might choose a similar shade of green for the accent wall. Match the sheen. If the other three walls are eggshell, the accent wall should also be eggshell. 5. “Try local hardware stores for mis-tints,” says Brigitte. This is paint that has been returned because the color was wrong for the customer, but it might be perfectly right for you. And it will cost considerably less than new paint. 6. Look for low-cost accessories. For a punch of color in the kitchen, consider adding a bright, new tablecloth or placemats. In the family room or living room, re-cover throw cushions in bright, clean spring colors, or if the cost is comparable, and often it is, store your old ones and buy new ones. 7. Recycle and repurpose a garagesale find. Use your imagination for a new-to-you item. Give it a good cleaning and a fresh coat of paint. “I have been known to spray paint almost anything!” says Charlotte. “Lamps are great. You can find really cheap lamps at yard sales. Take it home, spray paint, and put a new shade on, and you have a new lamp.” 8. Art, professionally framed, can be found in galleries, high-end boutiques, and dollar stores. “Or,” says Brigitte, “buy a canvas and make your own.” She displays her children’s art on a clothesline-like apparatus she picked up at IKEA. It runs along the wall in a hallway, and at Christmas time, it displays cards. 9. A bright new area rug can provide a pop of color on wood or laminate floors. Look for remnant ends at carpet stores. They cost considerably less than a comparable rug. Duct tape carefully applied to the underside edges can keep errant threads in check. 10. For fresh new window treatments, buy a bamboo mat and make it into a blind. Add a rod. Hot glue ribbons on the edges for moving up and down. Economical window treatments can also be made from bed sheets and you don’t have to have major sewing skills. Turn over the edge of the sheet and make a rod pocket or use curtain clip rings.
living better.for less Page 7 Keeping your teen’s auto insurance affordable 4 Ways to Reduce the Cost of Teen Auto Insurance by Lynn Kirkpatrick or teenagers, there is perhaps nothing more exciting than passing the driver’s licensing exam and being permitted to drive on your own. Unfortunately for parents, this big step also comes with a big expense. Once your teenager is licensed, he or she will need to be included on your auto insurance policy. If they have their own vehicle, costs will be even higher. Teenage drivers account for more than 9% of license holders in the United States, according to the Center for Disease Control and Prevention. Because of this, insurance companies typically have specific teen insurance rates. Read on to learn about four ways to reduce the costs of your teenage driver’s auto insurance. F 1. Shop Around and Compare Although rates for adults and older drivers might be relatively standard across the board, many insurance providers have very different policy fees for young teenage drivers. Before you commit to any particular policy, spend some time shopping around and contacting a range of different providers. Be sure to give them your current family rate and see which company is willing to offer the best coverage at the lowest price. Robert Klein of the Center for Risk Management and Insurance Research at Georgia State University in Atlanta suggests that unless you have a history of accid e n t s , “ Yo u are probably best off simply adding your teen driver to your own policy and paying the increased premium,” rather than creating a new policy just for the teenage driver. 2. Choose a Safer or More Reliable Vehicle The costs for your teenage driver’s auto insurance policy will differ substantially depending on the type of car that he or she drives. Brand new and expensive cars will come with high insurance fees, but so will old cars that will undoubtedly need extensive maintenance in the near future. The best cont. on pg. 8.
The Dollar Stretcher Page 8 Teen Auto Insurance cont. compromise is a safe and reliable vehicle that can help to keep insurance costs for your teen down to a minimum. insurance policy will increase your monthly rates. However, these tips can help to keep costs to a minimum and save you money. 3. Ask About Honor Student Discounts On the whole, those students with better grades are proven to also be more responsible behind the wheel. For this reason, insurance providers often give teenage drivers with honor roll grades or a B average a discount of up to 20% on their policy costs. If your student makes the grade, contact your provider to find out what kind of discounts or deals you can get on your own insurance policy. 4. Take Additional Safety Classes or Programs In most states, teenage drivers are required to take driver training courses and safety seminars. However, many insurance companies still find that additional training or lectures can reduce the accident rates or number of alcohol-related deaths. Call your existing provider to find out if they offer any discounts for teenage drivers who have taken specific classes or workbooks, as this can often translate into 10% savings or more on your car insurance rates. There is no avoiding the fact that adding a teenage driver to your auto Lynn Kirkpatrick writes for askforinsurance.com where you can learn the difference between term and whole life insurance etween-whole-life-vsterm-life-insurance.html
living better.for less 10 reasons why you need to understand compound interest Compound Interest by Gary Foreman hen Ben Franklin died in 1790, he left 5,000 each to the cities of Boston and Philadelphia. Each city was to create a fund that would last for 200 years. The needy could borrow from the fund at five percent interest. After 100 years, each city could withdraw 500,000 from the fund, leaving the rest to work for the next 100 years. Why did Ben do it? He did it to help people understand the importance of compound interest. W What is compound interest? It’s interest earning interest. For example, suppose you saved and banked 100 a year ago. It earned 2 in interest last year. This year, you’ll be earning interest on 102 (original savings plus the interest earned). That might not seem like much, but understanding that simple fact can have a major impact on your financial success. 1. Why is compound interest important to you? Because it can turn just a few dollars today into big money over the course of your lifetime. Let’s look at the ten facts you need to know about compound interest. 2. Anyone can benefit from compound interest. There’s no need to be a Wall Street wizard or Harvard MBA. Almost any investment will earn compound interest if you leave earnings in the account. 3. Compound interest is a double-edged sword. It’s great if you’re routinely saving money. It can be cruel if you’re borrowing money. 4. Yo u w a n t s a v i n g s t o c o m p o u n d a s o ft e n a s possible. It’s better if you compound quarterly rather than annually when you’re saving money. If you’re borrowing, just the opposite applies. cont. on pg. 10. Page 9
The Dollar Stretcher Page 10 Compound Interest cont. 5. T i m e i s o n y o u r s i d e . T h e l o n g e r m o n e y compounds, the faster it grows. Money growing at 6% per year will double in about 12 years, but it will be worth four times as much in 24 years! 6. Time is not on your side. Credit cards and other open-ended accounts use compound interest against you. That’s why “minimum payments” are likely to keep you in debt forever. 7. Don’t let today’s low interest rates discourage you. It’s true that banks aren’t paying much on savings accounts, but many mutual funds average a higher return and have very low minimums and no sales charges. If you can’t apply a few dollars to savings, most debts (think home or credit cards) will allow you to add any amount to your payment. 8. It adds up faster than you think. If you were to save 5 per month, earn 5% interest compounded each month, and do that continually for 10 years, you’d have put 600 into savings, but the account would be worth 776. And, even if you didn’t add a single dime, it would be worth over 1,500 in another 15 years. 9. Compound interest can free you from credit cards. Suppose your interest rate is 14 percent and you add just 5 per month to your payment. In 10 years, you’ll avoid 1,315 in payments. 10. You don’t need to be rich to get compound interest to work for you. The principle works the same whether you invested 100 or 100 million. The millionaire may have more investment options, but even the poorest among us can use compound interest to reduce the amount that we pay credit card companies and payday lenders. cont on pg. 11.
living better.for less Compound Interest cont. Compound interest requires you to sacrifice today to reap a benefit tomorrow. It’s true that you’ll need to do something to save a few dollars today. But, it’s certain that the future reward will be greater than the sacrifice. What’s the bottom line for consumers? Often the difference between financial comfort and poverty isn’t that great. Saving a few dollars a week might not seem like much, but if done consistently, it could make a big difference in your financial future. Gary Foreman is a former financial planner who founded The Dollar Stretcher. Page 11
The Dollar Stretcher Page 12 Don’t embarrass your child with a lame party Throwing a Successful Child’s Birthday Party by Sara Reid ll parties are not created equal, and you don’t want your child’s party to be the lamest one all year. Whether you are planning a sweet 16 or planning a bash for your child’s fifth birthday, you want the gathering to be fun and memorable. Here are some simple tips to help you throw a party that all the guests are sure to enjoy. A Choose the Simplicity of Cupcakes Cupcakes are universally appealing and incredibly easy to serve. There’s no need to cut and serve people, and you will save money on plates and forks. Buy the cupcakes in advance to spare yourself the hassle of baking them when you are trying to get ready for the party. Entertainment Is Important All Their Favorite Things Choose a party theme based on your child’s favorite things. Dance parties are a great choice for teenagers, and you can always base parties for younger children on their favorite toys. Look for games that go with the theme and decorations to match. Include the theme on the invitations so guests will instantly have ideas for gifts. No matter what age range you are working with, you will need some entertainment ready. Here are a few ideas for entertainment at your child’s next birthday party. M u s i c L o v i n g P r e - Te e n s a n d Te e n a g e r s – R e n t a k a r a o k e machine. Make sure the musical selection includes at least a dozen of the birthday child’s favorite tunes. cont. on pg. 13.
living better.for less Page 13 Birthday Party cont. Drama Kings and Queens – If your child has a flair for the dramatic or is a budding thespian, put traditional charades on the list of games. ingredients and spending a day cooking. Little Warriors – If your young child loves to play war, then you can make dreams come true in a safe way. Gather two large cardboard boxes to serve as ships. Decorate the ships ahead of time. Put them in the yard about fifteen feet apart and then arm the teams with ping-pong ball or foam ball missiles. Some party themes are easy to decorate around. If your little one loves cars, then you can find countless decorations featuring racecars, fire trucks, and other automobiles. If your teenage daughter cannot get enough of her favorite tunes, then you can string up musical decorations. Get creative with coordinating crepe paper and balloons. A few helium balloons spread around the room will set the festive spirit without requiring a lot of time and money. Include a few balloons on the mailbox to ensure that your guests can easily find the house. The Scavengers – Kids of all ages love scavenger hunts. Set up a search that matches the theme and then let the guests keep their found treasures. Silly bands are excellent for scavenger hunts, or you can use inexpensive matchbox cars, jewelry, or even candy. Feed Their Appetites Whether you plan the party to run during a mealtime or not, your guests will get hungry. Chips and dip won’t quite satisfy their cravings, but you probably won’t have time to prepare a full spread to keep everyone happy. You can make food ahead of time and freeze it, or you can order the food in for your hungry guests. The kids will love having a delicious meal, and you won’t have to go through the hassle of buying all the Simple Decorations Birthday parties need to be interesting and fun, but they don’t have to be complicated. Choose a theme to help you stay on track with the planning, and simplify your planning by ordering a meal in and choosing cupcakes over a sheet cake. One of the most important considerations is entertainment. With a few games planned, you will be ready to enjoy a fantastic birthday party that is sure to impress your guests. Sara Reid is a guest writer for Delivery.com www.delivery.com/hoboken/ , a site she recommends for finding the best delivery options in your area.
The Dollar Stretcher Page 14 Holiday baking and recipes the frugal way! Frugal Holiday Recipes m known for homemade goodies every Christmas. But I’m always on the lookout for good new ideas to share with my friends and family. Does anyone have a good holiday recipe to share? Daniela I Make Festive Chocolate Bark For several years, I have been making chocolate bark for our friends and family at holiday time. I melt one pound of chocolate melts or a brick of chocolate in the microwave and spread on wax paper (about 1/4” thick). Then I cool it in the fridge or on the back porch. This makes about a large cookie sheet size tile of bark. I mix in raisins, dried cranberries, or nuts before pouring and spreading, or sprinkle on crushed candy cane immediately after spreading (pat them into the chocolate a bit). The candy cane makes it very festive and that seems to be a favorite on both white and dark chocolate. I find inexpensive tins or plastic party bags at the dollar store to hold the candy. This takes very little time to do, and a pound of chocolate bark makes a nice gift, too! Lorraine in NH Include Chocolate Pizza in Holiday Baking I make this Chocolate Pizza often. It is always the highlight of a celebration. I usually have the children help with the toppings, which makes it even more festive. The ingredients include two packages of refrigerated crescent dough, a few tablespoons of chocolatehazelnut spread (like Nutella ) or chocolate-peanut butter spread, and three to four toppings. Consider cont. on pg. 15.
living better.for less Holiday Recipes cont. using one cup each of your choice among chocolate chips, marshmallows, M&Ms (I get the holiday colored ones when I can), raisins, banana chips, other dried fruit, walnuts or any kinds of nuts. Spread the dough in a large pizza pan sprayed with cooking spray and press the triangles together to form a “crust.” Bake at 400 degrees just until the crust is cooked and very lightly golden, which is about 5 minutes. Let it cool. Spread the Nutella spread on the crust. Sprinkle the toppings over, or let the children make their own. To “set” the pizza, place it back in the oven at 400 degrees for about three minutes, just long enough for the chocolate chips to melt slightly. Cool for a few minutes, cut into wedges and enjoy. Patty Add Cranberry Layered Salad to Your Holiday Recipes My mother-in-law sent this recipe to me. It makes a big bowl and we’ve yet to have any leftovers! Crispy Bakings: 1 cup flour 1/4 cup brown sugar 1/2 cup butter 1 cup coconut 1 small pkg. sliced almonds Preheat oven to 350 degrees. Mix all together and put on baking sheet. Bake 15 to 20 minutes. Stir while baking. When done, break into small pieces and save some for the top of the salad. cont. on pg. 16. Page 15
The Dollar Stretcher Page 16 Holiday Recipes cont. Cranberry Layers: 2 cans Ocean Spray Jellied Cranberries 1 pint whipping cream 2 Tbsp. powdered sugar Slice cranberries thin. Whip the cream with powdered sugar. Layer in large clear bowl starting with layer of Crispy Bakings, then four to five slices of cranberries, then a layer of whipped cream. Continue until bowl is full, ending with whipped cream and Crispy Bakings garnishing the top. Jenni Ham Roll-Up Dip 2 8 oz. cream cheese 16 oz. sour cream 1 ranch dry mix packet 1 pkg. diced ham 3 chopped green onions Mix all and chill for at least one hour. Serve with crackers, cut up pita bread, pita chips, tortilla chips, etc. Lisa Enjoy This Quick, Easy Cookie Recipe Death by Peanut Butter 1 1 1 1 cup peanut butter cup sugar egg pkg. Hershey’s Kisses Preheat oven to 350 degrees. Mix peanut butter, sugar and egg together until blended thoroughly. Roll into cont. on pg. 17.
living better.for less Holiday Recipes cont. teaspoon-sized balls and place on a cookie sheet. Place one unwrapped Hershey’s Kiss in center of each ball and bake in oven for 5 minutes. Let cool and then enjoy. Cathy Two Ingredient Appetizer One of the easiest (and cheapest) appetizers that I bring to parties consists of two ingredients, which are honey (around 1/4 cup) and kielbasa (one loop). First boil the kielbasa in water in a saucepan (broken into two-inch pieces) until the fat comes off. Next, take each piece and slice it into 1/4-inch ring pieces, and place into a fry pan. Add the honey and lightly sauté until the honey is bubbly. Serve with toothpicks for holiday eating. I buy the kielbasa when it is buy one loop get one free and freeze them until holiday entertaining. Everyone thinks I spent a fortune, and it tastes wonderful. Mary Christmas Breakfast Smiles Christmas breakfast is designed to be decorative and for those who get up at different times. On a baking sheet, place a can of biscuits in a tree form. Shape the top one into a star. Randomly decorate with bits of cherries or Craisins , using some pineapple for the star. After it is baked, drizzle with green powdered sugar icing. This is easy to pull apart for eating with fresh apples and oranges and perhaps a bit of ham left from Christmas Eve dinner. AM Page 17
The Dollar Stretcher Page 18 Laptops, tablets and ultrabooks compared feature by feature Laptop v. Tablet v. Ultrabook by Rebecca Keller hen the time comes to purchase a new mobile computer (and by that I mean a laptop, tablet, or ultrabook because we do have choices these days), it’s often a case of finding the cheapest option and pulling out the old credit card. However, choosing between a laptop, ultrabook, and tablet should be determined on more than price alone. For instance, which device offers the best features for your lifestyle? Laptops offer full video, audio, and typing capabilities. As a writer who’s used a laptop for years, I decided to take an honest look at all three before I ran out and bought the cheapest laptop. Here are the pros and cons of all three to help you make an informed decision. They are the bulkiest and
You can contact SPRINGBOARD by mail, phone, fax or email; we are always here to help. Mail: SPRINGBOARD Nonprofit Consumer Credit Management P.O. Box 5438 Riverside, CA 92517-5438 Phone: 1-877-Wise-Plan (1.877.947.3752) E-mail: SPRINGBOARD@credit.org Fax: 1.951.781.8027 Website: www.credit.org 13-20 Planning for Your Financial Future
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