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"The biggest benefits of being on a program is having credit card interest rates lowered and getting all my bills paid on time."Roland H., Medina, OHCareOne Customer
On Track - CareOne Services
CareOne Credit Counseling - On Track, the CareOne Newsletter IN THIS ISSUE: 10 Painless Ways to Help Balance Your Budget; Jodi M. reflects on the power of small changes; a tip on bank fees, and more...
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10 Painless Ways to Help Balance Your Budget 10 Painless Ways to Help Balance Your Budget

If you are scrambling to make ends meet, spending more money than you earn, or failing to save each month, you're not alone. According to a recent study, more than one-third of Americans are regularly spending more than they can afford. The good news: By following a few out-of-the-box strategies, you can manage your day-to-day expenditures, balance your budget, and get in the black in no time. To get started, check out these 10 simple tips that just about anyone can use.

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Quick TipQuick Tip - Be Aware of Bank Fees

Some banks charge high monthly service fees if you don't maintain a minimum balance.�If you can't keep the required minimum, ask if there are other options, or consider another bank.�You may find that if you electronically deposit your paycheck, or only bank on-line and with their ATMs, the bank may waive the monthly fee.�Also,�there are "On-line" only banks that not only have free checking but pay a higher interest on savings accounts because they have a much lower overhead than their "brick and mortar" alternatives.
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Take a Poll Take a Poll!
How often do your balance your checkbook?
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Blog - Life Balance
Jodi MThis month, Jody M. reflects on how small changes can pay big dividends.
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Share the WealthShare the Wealth

No one said that getting out of debt would be easy.�In order to pay down all the debt you've accumulated, you've probably had to give up some of life's pleasures that got you in debt in the first place! Tell us the most difficult thing you've had to give up and you could be the winner of a $250 gift card.

All you have to do is answer this question:

What have you found the hardest to give up now that you're committed to getting out of debt?

See what last month's winner Connie B., from Goose Creek, SC plans to do when she pays off her last credit card.
View the Winner's Circle
My CareOneMy CareOne

Have you seen what's new in My CareOne? We're always adding new features to help you manage your experience on the CareOne website. You select what information is relevant and useful, such as gadgets and tools that provide: a quick account overview - including how long until you complete the program; news and updates about CareOne Services; and easy access to valuable tools and useful financial tips!
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Ask the ExpertAsk the Expert

Quick question about the process.
I have five creditors set up in my CareOne account currently, and from what I've gathered, I should make the normal payments on them at least for this month. But my biggest concerns are when will I know if the proposal is accepted and can I put off the payments to CareOne in the time in between proposing and acceptance?
- johna
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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