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Success Online Financial Education Newsletter
Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterApril 25 2013 newsletter
How to break bad money habits 

woman with bad financial habits hiding behind bags

By Jesse Campbell, Copywriter

Everyone has a set of bad money habits that they just can’t seem to break.

We smoke.  We eat out too often.  We buy things we don't really need.  We waste gas.  We waste electricity.

Sometimes we’re aware of these habits and just don’t know how to shake them. Sometimes we try to justify them to ourselves and others. Sometimes we just know something’s amiss, but aren’t sure what it is.

But whatever you think of these habits, the truth is always this: they cost you money.

So how exactly do you break these bad money habits? For that matter, how do you break habits at all?

The answer is a simple four step process...

 Read More

Homeowner options: free financial webinar
Home protection

Are you struggling with your mortgage?  Are you concerned about the possibility of foreclosure?

MMI will be hosting a free informational webinar entitled Homeowner Options on Monday, April 29.  This hour-long interactive presentation will help you assess your unique situation, direct you towards available resources for struggling homeowners and discuss what happens during the foreclosure process.  If you have questions or concerns about your status as homeowner, this is a great place to start finding answers.

 Happy Mother's Day

Mother's Day is coming!

There's less than three weeks left!

She changed your diapers and cut the crust off your peanut butter and jelly sandwiches.  She went to all of your school plays and cheered the loudest every time.  She stayed up late that one time helping you make a diorama of the solar system.  She's your mom and it's time to celebrate all she does for you.

We'll assume that you've already got an excellent plan for how you'll show your mom that you care and how much you appreciate her.  In the meantime, feel free to supplement that great plan with a customizable gift certificate just for Mother's Day.  Good for 50% off assorted hugs.  That's the stuff!

Financial Education learn more


Sharpen Your Financial Skills with Online Courses

The goal of our highly trained professionals is to arm you with the knowledge necessary to take control of your financial situation. Our online seminars stress the development of skills that can assure long-term success. Take the first step toward financial wellness by enrolling in a Web seminar today!

Learn More


In-Person Workshops Are Also Available In The Following Areas:

Alaska | Arizona | California | Connecticut | Colorado | Idaho | Illinois | Louisiana | Maine | Massachusetts | Mississippi | New Jersey | New Mexico | New York | Oregon | Pennsylvania | Rhode Island | Texas - Fort Worth Area | Texas - Houston Area | Virginia | Greater Washington D.C. | Washington State

View upcoming financial education workshops


About Money Management International

Money Management International (MMI) is a nonprofit, full-service credit counseling agency, providing confidential financial guidance, financial education, counseling, and debt management assistance to consumers since 1958. MMI helps consumers trim their expenses, develop a spending plan, and repay debts. Counseling is available by appointment in branch offices and 24 hours a day, 7 days a week by telephone and Internet. Services are available in English or Spanish. To learn more, call
866.530.9869 or visit



Financial documents: what to keep?

Spring is in the air and that means it’s time for spring cleaning. In addition to cleaning your house, you should also take this opportunity to get your financial paperwork in order. Keeping sufficient records and updated copies of important paperwork is vital to your financial wellbeing. In the event of an emergency, having important papers organized is just as important as having an emergency savings fund.

The first thing you must do is gather original copies of your important documents. If it is not possible to obtain an original copy of a document, get a certified copy. Keep important financial papers in a safe, yet easily accessible place or move documents online.

The following information can help you determine what to keep and what to toss.

Retirement planning documents – Documents pertaining to IRA, 401(k), 403(b), or TSA statements should be kept in a secure location, such as a safe deposit box. Keep the annual summaries until you retire or close the account.

Tax planning documents – According to the Internal Revenue Service you should keep your individual tax return documents for seven years. You may also want to save W-2s. Paycheck stubs can be shredded once they are checked against your W-2.

Financial documents – Checking and savings accounts, bank and credit card statements, and bank information are important paperwork to have, but should be kept in a secure location. Bills for big purchases, such as furniture, computers, etc. should be kept in an insurance file for proof of their value in the event of loss or damage. Any unneeded financial statements should be properly disposed to avoid identity fraud.

Asset protection documents – In the event of an emergency, you’ll want to make sure your tangible assets are protected as well as your most valuable asset—yourself. Make sure you have updated, accurate records of medical, home, and life insurance policies and statements. Documents pertaining to buying, selling, or improving your home should be kept as long as you own the home.

Estate planning documents – It’s important to have a copy of any wills and power of attorneys. These are documents that your attorney should also have on file.

Finally, shuffling through a pile of paperwork is a daunting task. But it is well worth it to make sure documents are properly filed and stored. Getting your financial house in order now will ensure peace of mind down the road.

MMI Debt Management Plan Client Corner
Tips for Success

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Update your account balances online. When you receive your creditor statements, update your balances by visiting your MMI account .

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