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"CareOne has allowed me to consolidate my debt into one easy payment and save about $300 a month."Michele K., North Ridgeville, OHCareOne Customer
On Track - CareOne Services
CareOne Credit Counseling - On Track, the CareOne Newsletter IN THIS ISSUE: Staying ahead of the curve financially in the New Year; Money Mom shares her New Year's resolution; a tip on cold weather savings, and more...
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Staying Ahead of the Curve Financially Staying Ahead of the Curve Financially

There's been a lot of news lately about government bailouts of financially troubled companies. Wouldn't it be nice if all of our individual economic concerns could be resolved with a government hand out? Since there's not much chance of that kind of relief trickling down to us ordinary taxpayers, this month we'll look at ways you can help yourself stay ahead of the curve financially in the coming year.

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Quick TipQuick Tip - Setting Your Thermostat for Winter

During cold winter months, 36% of your energy bill comes from keeping your house heated. Don't be a heat "hog." Your heating bill will increase by 3% every time you raise your heat by just one degree when you set the thermostat at 71 degrees or higher. That's a lot of money for just a little more heat.
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Take a Poll Take a Poll!
Are you planning on making changes to your budget in 2009?
Take the Poll
Blog - Money Mom
Money MomMoney Mom shares her New Year's resolution on how she plans to stay ahead financially this year!
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Share the WealthShare the Wealth

The New Year is around the corner and prices on everything seem to keep getting more expensive. Tell us how you plan to stick to your budget in 2009 and you could be the winner of a $250 gift card.

All you have to do is answer this question:

How do you plan to stick to your budget in the New Year?

See how last month's winner Dorothy D., from Raleigh, NC entertains during the holiday season while sticking to her budget.
View the Winner's Circle
Budget PlannerBudget Planner

If you are serious about staying on track financially in the New Year, it's essential that you establish a budget and periodically update it so it stays relevant. Some expenses, like your car payment, may stay the same, but have there been changes in the cost of insurance, taxes, or utilities? Use our convenient Budget Planner to help you establish a new budget, or update your existing one.
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Ask the ExpertAsk the Expert

Late Fees, etc...
The date that I selected for my first payment to CareOne will be past the due dates for my bills. When does CareOne contact my creditors to negotiate payments? Also, what happens if a creditor does not want to participate in the program and when would I be notified of that?
- miezio
See the Expert's Answer
Stay On Track with CareOne Resources
Ongoing Support Ongoing Support is the place where you'll find valuable tools, tips, expert advice and much more on debt and money management issues. Bookmark this page!   Debt Guide 101 Debt Guide 101 is full of free and useful information about debt management.
Debt Management Discussions Debt Management discussions is where you'll meet others like you sharing their insights and experiences.   Tip Jar Tip Jar offers you the best tried and tested tips to help you save every day.
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