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On Track, the CareOne Newsletter

IN THIS ISSUE: Simple Budgeting Strategies to Keep You on Target, How to Create a Meal Plan to Save, Focusing on the Positive in 2010, and More...

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Budgeting Strategies to Keep You on Target Simple Budgeting Strategies to Help You Stay on Target All Year Long

Most people ring in the New Year with the best of intentions. They promise to pay down their debt, curb their spending, and start saving for the future. In some cases, they even write a detailed list of New Year�s resolutions aimed at improving their financial fitness.

All too often, however, these same people revert to their old habits in a matter of weeks or even days. Why the lack of staying power? Most of the time, they don�t have strategies designed to help them achieve their financial goals.

Read on as we reveal eight simple budgeting strategies that can help you stay on target in 2010 and beyond.  

I lived outside of my means for far too long. I had so much unsecured debt and was just making minimum payments each month. Then, although nervous, I joined CareOne. This will be my second payment on my plan and one creditor has already accepted the proposal! I have also made major life changes and am cutting back on my spending. I cook more meals and have a set budget. I also prepare grocery lists and take a calculator with me to the grocery store. CareOne has a projected payoff date of 4 years. At this rate, my goal is 2 1/2 years! - Pency P., Salisbury, NC

December Results Are In!
The Results Are In! 1,504 customers paid off over $27,957,500 in the month of December. Congratulations on a strong finish!
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Which of the following budgeting strategies do you exercise the most to keep in good financial shape?


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Quick TipQuick Tip: Plan Your Meals in Advance to Save

One of the best ways to save on groceries is to plan your meals in advance. So take an hour or so each week to create breakfast, lunch, and dinner menus. Not only will this enable you to avoid pricey last-minute trips to the grocery store; it will minimize the temptation to eat out and order in. When planning your menus, try to keep in mind what�s on sale that week at the supermarket and what�s in season. Check out our Plan Your Meals to Save guide for more information.

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Blog: New Year's Resolutions
Retired and Loving It Linda, our Retired and Loving It blogger, explains why her number one New Year's resolution is to focus on the positive.
Share the WealthShare the Wealth

You could win a $250 gift card just for telling us about a holiday purchase you regretted and what you learned from the experience. Get started now!
Debt Free UDebt Free U

Brought to you by CareOne service providers, Debt Free U offers young consumers and college students striving for financial fitness a fresh perspective on money management.
Ask the ExpertAsk the Expert

One of my balances will be at zero after two more payments. Will my total payment due amount be changed, or will that extra payment money go toward another bill?


Ongoing Support is your hub for valuable tools, tips, and much more. Bookmark this page!
Debt Guide 101 offers comprehensive information and expert advice.
Debt Management Discussions enable you to trade tips, get support, and share your experiences with other CareOne members.
Tip Jar is filled with tried and tested tips to help you save every day.


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