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"CareOne offers programs like Member Benefits Service that help you live within your budget and save money on everyday expenses."Brad H., Jackson, KYCareOne Customer
On Track - CareOne Services
CareOne Credit Counseling - On Track, the CareOne Newsletter IN THIS ISSUE: Living without Credit Cards; Savvy Spender shares her strategies for avoiding credit cards; a tip on getting the best deal, and more...
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Living without Credit Cards Living without Credit Cards

According to credit card commercials, you're not going to be able to have any fun in life unless you use their card. Well, if you've ever carried a balance on your credit cards, you know that paying interest is no fun at all. Tack on a late fee or over-the-limit fee and you can double your displeasure. Thankfully, there are alternative strategies for living life without credit cards.

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Quick TipQuick Tip - Haggling Can Help Save

Especially during tough economic times, don't always assume that prices are fixed. Stores are competing for fewer consumers, so sometimes getting a better price on something is as simple as asking, "Is that the best you can do?" It also helps if you are dealing with a manager or someone else who may have the authority to be flexible on pricing. Check out our article library for more ways you can trim your budget.
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Take a Poll Take a Poll!
Do you have an emergency fund?
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Blog - Savvy Spender
Savvy SpenderThis month, Savvy Spender shares her strategies for managing her family budget without relying on credit cards!
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Share the WealthShare the Wealth

Getting out of debt takes discipline, patience, and sacrifice, but if you persevere, you'll be able to announce you're completely debt free sooner than you think. Tell us your plans for when that day finally arrives and you could be the winner of a $250 gift card.

All you have to do is answer this question:

What's the first thing you are going to do when you pay off your last credit card?

See how last month's winner Brian D., from Fargo, ND plans to stick to his budget next year.
View the Winner's Circle
MBSMember Benefit Services

Here are just a few of the highlights of Member Benefit Services!

• Savers Club with discounts on movie tickets, lodging, travel, theme parks and more.
• Grocery Coupons on over 1,000 name brand items.
• Online Local Savings type in your zip code for local savings on restaurants, stores, entertainment, and more!
• Everyday Rebate Rewards gives you $40 cash back each year for sending in your receipts.
• Cash Rewards lets you earn money while making on-line purchases.
Learn More
Ask the ExpertAsk the Expert

Will I Get Calls?
I am not behind on my accounts and never have been. I have scheduled my debt management plan payments about ten days before my accounts are typically due. Since I won't be late, will I start getting calls? If the proposals are not accepted at first will CareOne still continue to make the projected monthly payments so I won't have any late payments?
- Pencycamp
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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