Advantage Advisor
Monthly Newsletter
May / 2017
How To Save Money On Mother's Day!
The stores are filled with “I Love Mom” balloons, cards, and fresh flowers. You can’t watch TV without every other commercial being about Mother’s Day and what to buy for Mom.

However, for most moms, it’s really the thought that counts! This is great news for people who want to get their mother a nice gift but are having financial difficulties or don’t want to bust their budget.

There are a few things every shopper should keep in mind while shopping for the perfect Mother’s Day gift!

Click below for more information:
In This Issue:

Mother's Day Savings
Money Saving Tips
Popular Questions
Save On Electronics
Clients Speak Out
News & Events
Employee Spotlight
Advantage Challenge
Saving money isn’t always easy. We start out with the right frame of mind but tend to get side-tracked or distracted and before we know it, our money is all gone. We’ll show you some money-saving tips to help get that emergency fund started. These tips will not be life altering or upset your.... Read more
Do you have questions about the credit counseling process or what happens during a credit counseling session? We receive many questions like this every day. Hopefully, we can answer all of your questions about credit counseling and what goes on....  Read more
Electronics are expensive and everybody wants to buy the latest and greatest thing out there. Companies are constantly coming out with new models and consumers just can’t get enough! All of that upgrading and purchasing of.... Read more

"My husband and I had a wonderful experience. We were at a very scary, tricky point when we called ACCS. And now we are in a place where we RARELY ever use our credit cards. We are living within our means and are able to breathe! THANK YOU ACCS!Kelli S.

"It was great! They helped us get out of debt again. I would recommend this program to anybody that is in over their head with credit card debt. Thank you so much! It feels great to be debt free!"  ~ Jennifer J.
"I know that I wouldn't have been able to get out of debt without your help. I really didn't pay much attention to my statements (except to be sure my payments were applied correctly) the 1st couple years because my balances were so high. Once my balances got lower I challenged myself to pay extra to get them paid off sooner. The 1st step of deciding who to go to for help was the hardest but as soon as I spoke with ACCS I knew I made the right choice. I was embarrassed by the amount of debt I had accumulated but everyone I spoke with was so very nice and understanding and I knew you would be able to help. Now I'm much more aware of what I spend and if I don't have the cash for it I don't buy it. Although my experience with ACCS was great and they worked to get me out of debt I know that our time together is over and I couldn't be happier about that!"  ~ Toni W.
Advantage CCS will be at the 2017 Employment Expo!

On Wednesday, May 3rd, Terri Stocki from Advantage CCS will have an information table at the 2017 Employment Expo from 9:00 am to 4:00 pm at the Marketplace at Steamtown in Scranton, PA. Click Here for more information!

On Tuesday, May 16th, Terri Stocki will be at the FREE Road to Financial Fitness class at the PA Career Link (Wilkes-Barre location) from 10:30 am to 12:30 pm. To attend, you must be registered in the Job Gateway system. Please call PA Career Link at 570-822-1101 or you can register online at:


This month we’re kicking off a new interview series where we ask our employees about the role they play in our agency, and a little bit about their family and personal life. We want to give you the ability to hear right from them about what gets them excited to come to work each day and how they personally help all of our clients.

First up, we have our Manager of Regulatory Compliance and Education, Heather Murray!

Heather, can you tell us how long you’ve been with the agency?  – “It will be 10 years this coming September.”

What are your primary job duties? – “I facilitate financial literacy education presentations for clients of other nonprofit organizations or for employers.  I also manage the agency’s licensing and compliance. The agency is currently licensed in all 50 states and I file renewal applications, annual reports, and other documents related to licensing.”

Would you please tell us a little bit about your family? – “My husband’s name is Rich, and we have a daughter named Grace who is almost 11 years old and a son named Ricky who is 9 years old.

Do you have any pets? – “Yes! We have a basset hound named Hunter.”

What’s your favorite vacation spot? – “Outer Banks, North Carolina.”

Any obsessions we should know about? – “Hallmark Channel Christmas Movies”

Would you say that you’re messy or organized? – “Well, I’m fairly organized at home, but I’m known for my messy desk in the office.”

What’s your least favorite food? – “Bananas!”

Do you have any hobbies? – “I enjoy reading and driving my kids around to their various activities.”

Are you up for the Advantage Challenge?

Advantage CCS challenges YOU to reduce your food budget by tracking what foods you eat the most and what you buy that you don’t use.

Studies show shoppers throw away 10-12 percent of what they buy.

Clean out your cupboards, the refrigerator, and your freezer. See what you are buying that you haven’t used and that needs to be tossed.

Do you always think that you need something, like rice, because you forgot you already bought it, and now you’ve got six boxes of rice in your cupboard?

Write down what you’ve got in your home and refer to the list before you shop. Make a shopping list and stick to it. You’ll be much less likely to buy unnecessary items.