Advantage Advisor
Monthly Newsletter -
March / 2017
We've Gone Green - Email Newsletters

We explained in last month's newsletter that Advantage CCS was "Going Green". We are no longer publishing a paper version of our monthly newsletter. Now, all of our newsletters will be in this electronic format and they will be delivered to your email inbox every month. You can expect to see the same type of helpful content, tools, tips, and advice that you are used to seeing every month. Thank you for being a loyal follower and reader of the Advantage Advisor newsletter!

In This Issue:

We all know that being late on a credit card payment can really affect you financially. There are ways to avoid late fees and make sure that you pay on time. These tips will help you manage your finances and help you plan accordingly so that....    Read more
Debt Settlement Alternatives

Debt settlement may be advertised as an effective way to reduce debt. However, there may be superior alternatives to this type of debt relief that may better fit your needs. Debt settlement has some negative things....
Read more

Life hacks are amazing! There are countless websites that have time-saving hacks, laundry hacks, Netflix hacks, and more. Since we're interested in educating people about ways to save money and get out of debt, we figured we'd list some of our favorite....    Read more
CLIENTS SPEAK OUT - 

"The team I worked with was very understanding and did not make you feel wrong for using their services and they helped adjust on months where things didn't go well. I would recommend you to anyone."  ~ Mary P.

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"My overall experience was very good. When I first started working with Advantage the process was explained very well and it helped relieve a lot of stress at that time. As the program continued, any questions were always answered and all of my concerns were listened to and taken care of. I would recommend Advantage to anyone trying to correct previous financial errors that they had made!"  ~ Timothy G.

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"This is my second time using your services. The first time was while I was married. This time was after a separation following some rough financial times. I came back because I had such a great experience with you the first time, and I was not disappointed. Questions were answered promptly and everyone is professional but also friendly and caring. I hope to never find myself in this situation again, but I will continue to recommend your service to anyone I know who is struggling with debt."  ~ Sally S.
COMPANY NEWS & EVENTS -
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We have an announcement!

Advantage CCS has been awarded a $10,000 a month advertising grant from Google through their "Google for Nonprofits" program.

It gives nonprofits like us the chance to advertise on Google at no cost to the organization. This grant will allow us to reach more individuals in order to educate them on how to setup and manage a budget.

The ads will be used to promote our free online Budget Builder and Goal Tracker tools.  For more information on these tools, check out:  www.onlinebudgetadvisor.com
OUR TWO CENTS - 
Setup an Emergency Fund - 

While your savings account might double as a rainy-day fund, if you're super savvy and smart about saving money you'll have a fund dedicated solely to emergencies only. Your savings account might be for big purchases, but you should not touch the money in your emergency fund unless there's an actual emergency. If you lose your job or have to go to the hospital, you'll have something to fall back on without having to sacrifice that big purchase you've been saving for.  In most cases, you should have enough in your emergency fund to cover 6 to 8 months worth of expenses. 

Click here for more information about emergency funds: www.advantageccs.org/articles/emergency-savings-funds-are-important
THE ADVANTAGE CHALLENGE - 
Are you up for The Advantage Challenge?

Advantage CCS challenges  YOU to track  every expense for the next 31 days (no matter how small the expense)! This may sound simple enough, but once you start recording everything you'll soon realize that you do actually purchase a lot of things, even in just one day.

This may sound strange because you're focusing on money going out rather than money coming in, but we can guarantee that within the first few days you'll start double-thinking all of those purchases you're about to make. By the end of the 31 days you'll have saved more money than you would have without all that tracking! You'll realize that you are buying things that are more "wants" than they are "needs". This is a great budgeting technique that really works! 

Let us know how you did after the 31 days are up. Email your results to:  [email protected]