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Success Online Financial Education Newsletter
Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterAugust 8 2013 newsletter
Do your children know enough about money?

family learning financial lessons together

By Jesse Campbell, Copywriter

There are certain topics you can reasonably expect your child to learn about in school. But while math, reading, writing, history, and science are usually a given, your child is much less likely to be given much a formal education on the subject of personal finance.

This puts the pressure on parents to not only serve as money role models, but as active teachers and advisors. 

This means being proactive with your children and looking for those teachable moments. To help you keep your child’s financial education on track, we've put together the following roadmap of important money milestones for kids.

 Read More

Worried about your mortgage? Help is here

protect your home 

No matter how well you plan or how hard you work, major setbacks happen all the time.  Has an unexpected setback put your home in jeopardy?  

The Making Home Affordable® (MHA) Program is an important part of the Obama Administration’s comprehensive plan to help homeowners get mortgage relief and avoid foreclosure.

MHA programs offer solutions that could help you:

  • Reduce your monthly mortgage payments.
  • Take advantage of today’s low mortgage interest rates.
  • Get mortgage relief while searching for re-employment.
  • Get help when you owe more than your home is worth.
  • Leave your home without the sting of foreclosure. 

      Call 888.665.9659 to speak with a certified housing counselor, or visit for more information.

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    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!

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    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

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    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



    Baby steps to rebuilding your savings account

    Having an emergency savings fund gives you something priceless—peace of mind. But what happens when you actually face an emergency and have to deplete up that precious nest egg? Starting over can seem like a daunting task, so it’s smart to break it down into small steps.

    If you like the security of having money in savings, but have gotten sidetracked by the very thing your emergency savings account was established for, there are two small steps you can take that will help your savings grow again without causing discomfort or budget distress.

    Step 1: (Re)establish the habit. Begin a pattern of setting aside money on a consistent basis. Establish a regular pay roll deduction, set up an automatic payment to savings from your online checking account, or simply put all coins you collect in a jar and then regularly deposit the change into your savings account. If saving is a mental game for you, make a big deal out of each deposit. Sometimes you need the visual push that writing out the deposit slip and placing the cash on the counter provides. There is not a right or wrong method, starting (or restarting) the habit is the key.

    Step 2: Increase slowly. Sometimes in our zeal to start saving, we overestimate how much we can save in a month. Plan to start small and work your way up. To ramp up over time, try the following strategies:

    • When you receive a pay raise, put a portion into savings rather than increasing spending or expanding your lifestyle.
    • When you receive a windfall such as a bonus, gift or inheritance, use some of it to increase your savings fast.
    • Try analyzing your miscellaneous spending to see if you can find expenses you could cut to allow you to increase saving.
    • Delay purchasing a new car when you pay off your old one. Instead save for a few months and build your savings.

    Don’t let a short-term setback impact your long-term plans. Recognize that sometimes savings will be wiped out by unavoidable circumstances such as needed car repairs, unexpected expenses, or large purchases. When this happens don’t get discouraged, just reboot the system and start the habit again. The road to success is usually paved with a few potholes, but every bit of know-how you have gained can now be applied to rebuilding again.

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