October - 2015

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How do you track your expenses?

How do you track your expenses?

So, do you actually track where your money goes each day? Not just what you put on a credit or debit card... I mean every single penny? And if you do, how do you do it? Pen and paper? Do you stash and dash with your receipts? Do you log everything into excel or your favorite spreadsheet? Do you use a smartphone or tablet app that makes it super easy? Not sure where to start? There are lots of choices. First off, no matter what you do, do something. There is no better way to b

How do you deal with holiday debt?

How do you deal with holiday debt?

It is generally one of the top New Years Resolutions. Getting out of debt (along with losing weight) is a leading resolution each year. Of course, if it were that easy, everyone would be debt-free. That's why our certified credit counselors are ready at the call to assist you. The Dallas Morning News recently wrote a story about it. So, besides, spending less and saving more which can be applied to the holiday bills, how do you tackle it? Any secrets you'd like to share with

How do you nickel and dime yourself?

How do you nickel and dime yourself?

We appeared in a story on CBS on Feb 11th all about the top money mistakes we make. (Find the full story here.) These include not refinancing, not watching management fees on retirement accounts, not shopping around each year for insurance, paying a higher credit card interest rate than your FICO should permit...It made us wonder, what are some of the ways that you feel you waste money, or let dollars slip through your fingertips? It may be nickel and dime-sized, such as gett

Ken Goodgames named CEO of CCCS of Greater Dallas

Ken Goodgames named CEO of CCCS of Greater Dallas

Consumer Credit Counseling Service of Greater Dallas Names Ken Goodgames Chief Executive Officer Visionary Leader Helps Expand CCCS' Financial Capability Programs to Consumers January 14, 2015 - Transformance, formerly Consumer Credit Counseling Service of Greater Dallas (CCCS) has announced the selection of Ken Goodgames as President and Chief Executive Officer, effective immediately. Interim Chief Executive Officer Sharon King returns to her role as Vice President of Develo

How much did you spend for Valentine's Day?

How much did you spend for Valentine's Day?

Well, we just survived another holiday, this the one cynics accuse the greeting card, candy, flower, jewelry and date night industries of manufacturing! Depending on your relationship status, this could be a non-event for your budget... or an extremely expensive ordeal! What do you do? If you agree to not do much, you still may offend your significant other that you don't care. On the flip side, Keeping up with the Kardashians is not an option, unless you have a romantic noti

40 Years Old. 40 Years Young.

40 Years Old. 40 Years Young.

In the summer of 1973, a meeting of the Retail Credit Managers Association of Dallas convened with a special guest, a National Foundation for Credit Counseling (NFCC) representative. At that meeting in June, the NFCC rep pitched the function and benefits of having a CCCS agency in the community, setting in motion the founding of Consumer Credit Counseling Service of Greater Dallas, Inc. By January 1974, CCCS of Greater Dallas opened its doors for counseling, ready to indi

Make Your Spring Break Memorable, Even on a Budget

Make Your Spring Break Memorable, Even on a Budget

School is almost out for Spring Break, but what’s your plan? While some feel the need to plan elaborate, brag-worthy vacations, that doesn't mean you have to in order to have a good time. Sure, planning a week-long getaway somewhere exotic sounds heavenly compared to the winter blue views outside your window, but what do you do if you haven’t set aside the cash? Staying home and spending a little time in your own backyard with friends and family can not only save you money

Spring Cleaning Tips that Increase Your Budget

Spring Cleaning Tips that Increase Your Budget

As Spring begins to bloom it’s time to get up and make some room- with your finances. Refresh your budget by increasing your income and decreasing your expenses. Here’s how: 1. Clean Out Your Closet There are many ways to increase your income this way. Check out your closet and see what you didn’t wear this past season and what you won’t be wearing this spring. This infographic can help you figure out what to keep, pitch or sell. Once this is determined, pick the right v

Prioritize Your Tax Refund

Prioritize Your Tax Refund

It’s that time of year again, where people eagerly await for the mailman to deliver that one special envelope which contains something almost as exciting as Christmas morning; their tax refund. With the average refund check at $3,120, you can do a lot with your newly received chunk of change, but how should you spend it? There are plenty of ways to handle this, but it helps to assess your budget and prioritize your financial goals first. Once you sit down and figure that out,

How Money Issues Can Affect Your Job

How Money Issues Can Affect Your Job

If your employees are dealing with debt or money problems, it’s normal for them to be concerned. But sometimes that stress spills over into other areas of life, such as work, and they find it hard to concentrate. And problems at work could eventually put their jobs at risk, which could lead to even more financial problems. Getting help with their finances could potentially improve their work life and health, and ultimately make your company stronger. How money worries hu

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