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Our founder, Bernie Dancel, has been where you are. He was in debt and got a lot of bad advice which motivated him to create CareOne Services, Inc. Watch his short story here.

Today's Featured Blog

  • Dining Out Doesn't Have to be a Budget Buster

    Published Thursday, August 21, 2014 8:00:00 AM by tiquie

    Dining out is one of the great pleasures of my life, but with today's economy every one is tightening their belts - especially retirees.  

    My husband and I enjoy a date night once a month. 

    One of our favorite things to do is get dressed up and have dinner at a nice restaurant. We are able to do this just as we have done everything since retirement - by looking at things differently and thinking out of the box. 

    For Instance, do you know the best days and meals for making the most of your dollar? 

    Here are some of the ways we save money while enjoying a nice meal at a restaurant. 

    1. Use an online booking agent like OpenTable. You'll get a rebate or thank you check for doing something you do anyway, making reservations. You'll also find special promotions that will earn you rewards faster by dining at certain slower times.
    2. Watch what you drink! Restaurants make a larger margin on beverages than they do on food. To keep your check as lean as possible, order water (almost always free), or opt for a beverage that comes with free refills - soda, coffee, ice tea, etc.
    3. Eat less. Smaller appetite? Try choosing a salad, side dish or appetizer. Let your waiter know you are looking for something on the light side; you just don't want to end up with something so small that you end up ordering a huge dessert. 
    4. Share dessert but be sure to ask for two spoons.
    5. Share a large entree or take half of it home for tomorrow's lunch.
    6. Eat out on Tuesdays or Wednesdays, the slowest days of the week for restaurants. You'll be much more likely to find special deals and offers, not to mention a quieter more relaxing dining experience. 
    7. Look for early bird or price fix specials. Now more than ever restaurants are looking for your business and offering special promotions. Often a three course meals is just a few dollars more than the cost of one expensive entree.
    8. BYOB. If you have a nice bottle of wine at home, look for restaurants that offer reasonable corkage fees. Just be sure you are not bringing a bottle that is on the restaurant wine list. Some restaurants offer free corkage if you buy one bottle. With a group, this is a great way to save.
    9. Cut a coupon. Don't forget those coupons that come in the mail!  I discovered our local telephone directory has coupons for restaurants and some are buy one get one free offers.
    10. Eat at the bar. Dying to try that expensive new restaurant that just opened to rave reviews? See if they have a bar menu. You may be able to get a taste of what's being served in the dining room for much less. T.G.I. Friday's has bar appetizers for a penny if you join its Give Me More Stripes frequent-diner program. It's free.
    11. Join a restaurant website - Many restaurants offer coupons online only to their customers. I often get buy 1 get one free offers from many of our favorite places.

    We have found that by eating during off hours you often get very good seating. 

    Early and late dining also allows you to enjoy your meal leisurely as well as time for more intimate conversations. Eating early gives you time to do something else afterward. 

    One of our favorite restaurants is located along a river front where there is often free entertainment - concerts, bands, art shows, etc. We enjoy walking along the river after dinner and taking in the free entertainment. 

    So, there you have it. 

    Fine dining is available and affordable even for retirees. We just have to be a bit more discerning about our choices. Bon Appetite!

    Kimberly Johns, Debt Management Plan Customer with Leading Provider of Debt Relief, CareOne Services, Inc. Kimberly Johns

    Kimberly is enrolled on the CareOne Debt Management Plan (DMP). Kimberly is very active in the Community Forums, some of you may recognize her Community user name; Tiquie. Recently retired, Kim shares how she and her husband manage the financial challenges of living on a fixed income in their home state of Illinois. The John's have found some really creative and fun ways to offset the limitations of a retirement income. Kimberly generously shares smart and tested tips in her A Straight Talk on Debt blog! Compensated Blogger for CareOne Debt Relief Services.

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Travis, a CareOne Debt Management Plan customer and active community blogger talks about what CareOne has meant to him.
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All About Your Debt Consolidation Options

  • What are my choices?

    The providers of CareOne Debt Relief Services know what you're going through and understand how important it is to be able to select a debt relief solution that is right for you. Because of that, our mission is to help you get back on track by offering multiple debt consolidation and debt reduction options. Our Certified Credit Counselors will work with you to create a personalized solution based on your situation, and will carefully explain your options, including a Debt Management Plan and settlement. Because many of us have battled debt ourselves, and some have even completed a CareOne debt relief plan, you never have to worry about being forced into a solution that doesn't work for you. Please check out our Guide to Choosing a Debt Relief Plan to learn even more about your options.

  • What is a Debt Management Plan (DMP)?

    A DMP can offer significant interest and time savings, and can provide you with a plan to repay your debts in five years or less. With a DMP, we'll help you consolidate your unsecured debt into one monthly payment that you can afford. A CareOne DMP is not a debt consolidation loan, where the equity in your home is used to pay down your debt, nor is it bankruptcy.

  • What is Debt Settlement?

    Debt Settlement is a negotiation, by a settlement service provider or lawyer, with your creditors to pay back a portion of your unsecured debt. With settlement, you do not make monthly payments to your creditors. Instead, you make monthly deposits into a debt settlement account in an amount that you can afford. When settlements are reached with your creditors, settlement payments are paid from the debt settlement account. While settlement can be a better alternative than bankruptcy, it can have a negative impact on your credit.

  • Why should I choose a CareOne provider to answer my questions about debt consolidation?

    CareOne Debt Relief Services is the nation's largest brand of debt relief solutions, and all of our providers are Better Business Bureau (BBB) accredited organizations. We are proud to have helped over 5 million people, just like you, find a better way out of debt. We know what it's like to be in your shoes, and will work with you to find a solution that's right for you.

  • Who makes up the 5 million-plus people that CareOne providers have helped?

    CareOne providers have helped over 5 million people all over the country. Assisting this many people has provided us with insight into the unique economic factors facing residents living in different states. For instance, many residents are looking for debt consolidation in Pennsylvania and in Texas because they are carrying significant amounts of student loan debt. And, the majority of residents inquiring about debt consolidation in Tennessee are women. Many people may be contacting CareOne in North Carolina because, since 2011, the unemployment rate has been well above the national average. While in California, debt consolidation help may be needed because of the high foreclosure rate. People may be contacting the providers of CareOne Debt Relief Services in Arizona for debt relief, since the amount of debt owed in Arizona was higher than the national average. We've compiled meaningful statistics like these for all 50 states, as well as the most populous US cities.

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It's not a loan. In order to qualify, you must meet these simple requirements:

  • $2,500 or more in unsecured debt
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  • A source of income

The CareOne Service

Providers of CareOne Debt Relief Services are industry leaders committed to offering the best debt management programs available. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Many of us have been where you are today, and understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.

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