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Success Online Financial Education Newsletter




Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterJanuary 31 newsletter
Three signs debt just isn't into you anymore

3 signs it's time to end your relationship with debt

By Jesse Campbell, Copywriter

Every relationship starts with a certain spark – a bright flash of untold promise and potential. We believe that things will work out, because we want them to work out. And at the start – at that first blush – there’s no reason to think that they won’t.

But sometimes things don’t work out. Sometimes what started out with so much promise ends with pain and regret.

It happens in relationships with significant others and, all too often, it happens in your relationship with debt.

Everyone who uses credit, who takes out a loan, who makes purchases with legal currency rather than bartered oxen or textiles, has a relationship with debt. And just like any other relationship, it can be healthy and positive, or it can be unhealthy and destructive.

It’s a two-way street. Debt needs to give back in equal proportion to what you’re giving. If it isn’t? Then it’s time to re-think your relationship with debt.

How do you know when your relationship with debt just isn’t what it ought to be? Well, there are always signs...

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Experience financial freedom...

financial freedom

   Have you decided that you're too good for debt? Learn how MMI can help you break up with debt for good so you can begin building a healthy relationship with your finances. 


If you've already made the decision to kick debt to the curb, tell us about itShare your break-up story and it could be featured in an upcoming series on our blog! 











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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



Getting the most out of your gym membership

Halloween candy, Thanksgiving turkey, Christmas cookies. It’s no wonder that after a calorie-filled, guilt-inducing holiday season that “lose weight” and “get fit” top most people’s lists of New Year’s resolutions. In fact, the beginning of the year is when gym use and new gym memberships peak as people who have long neglected aerobic activity hit the elliptical machines with renewed devotion.

Here are five tips to help you get the most out of your gym membership right now.

  1. Go! Yes, actually using your gym membership may seem like obvious advice, but think of all the money you waste by holding on to a gym membership that you never use. If you’re not going to the gym, cancel your membership. Or, if you’re just experiencing a temporary slump in your workout routine, talk to your gym about stopping payment, commonly called ‘freezing’ your account, for a couple months. Once you’re motivated to start working out again you can unfreeze your account.
  2. Workout with a friend. Having someone who will hold you accountable (and who you will hodl accountable in return) can be powerful motivation to stay committed to your workout routine. You and your friend don’t have to do the same workout, just make a pact to both show up at the gym when you say you will and hold each other to that promise.
  3. Ask the trainers for help. While hiring a trainer to work with you one-on-one is pricey, it’s important to remember that assistance from the trainers is included in the price of your gym membership. If you don’t know how to use a certain machine or want to know the best way to work your triceps, ask one of the trainers! They are usually happy to assist you and would rather teach you the right way to work out than see you doing it wrong.
  4. Shake up your workout routine. Your gym has a lot more to offer than that boring treadmill. If your gym offers classes, request a schedule and attend a few different types to see what you like. Take advantage of the other amenities your gym offers, like the swimming pool or basketball court, to add variety to your workout routine.
  5. Take advantage of online resources. Take a look at your gym’s website for addition resources to help you meet your fitness goals. On many websites you can find fitness tools like calorie calculators, healthy recipes, and e-newsletters.   

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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