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Success Online Financial Education Newsletter
Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterAugust 22 2013 newsletter
 
How to become indispensable at work

how to keep your job

By Jesse Campbell, Copywriter

If you’re currently employed, no matter how you might feel about your boss, or your co-workers, or the microwave in the break room that makes everything taste a little like burned Teriyaki sauce, you’re probably pretty happy to at least have a job.

The national unemployment rate in July was 7.4%, which is nearly one percent better than it was at the same time last year (8.2%), and more than two percent better than July of 2009 (9.5%) when we were in the midst of a terrible economic decline. That said, it’s still pretty high. In fact, it’s significantly higher than July of 2008 (5.8%), before the economic collapse hit.

Of course, no job is ever guaranteed, so uncertainty on some level is a given when holding any kind of a job. But a slowly recovering economy, matched with concerns over the potential impact of the Affordable Healthcare Act, puts current employees in a worrisome position.

That said, there may not be much you can do personally to fix the economy, but there’s a lot you can do to make yourself invaluable at work and show your employers how crazy they’d be to let you go. Here are some steps you can take to stand out in a crowded workplace.

 Read More


Poll: many consumers okay with carrying debt

Credit card vs cash video game 

A recent National Foundation for Credit Counseling (NFCC) online poll revealed that close to one in five consumers, 18 percent, believe that carrying credit card debt over from month-to-month is a responsible way to manage his or her finances.

“This data suggests that not only are many Americans are using credit cards to fund a lifestyle their income can’t support, but they are comfortable doing so,” said Gail Cunningham, spokesperson for the NFCC.

Consumers, however, need to be aware of the consequences associated with continually carrying credit card debt from month to month...

 

read more


Let's talk: Couples and money

Couples and money

Whether you are newly engaged or you’ve been married for 30 years, some couples find it difficult to have “the talk.” Finances can be a touchy subject, but through this free webinar focused on couples and money, you will learn how to begin the dialogue with your partner.

register now


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 MoneyManagement.org.

 

 

Protect the contents of your wallet

How safe are you from identity theft? Unfortunately, a lot of the information you need to protect is kept in a very vulnerable place—your wallet. Fortunately, there are ways to help keep your information secure if you follow a few simple rules. Primarily, those rules involve changing your attitude toward your personal information, and respecting the potential for financial loss that comes with not keeping it secure. 

First, don’t leave your wallet lying around. Even at home. Unfortunately, two out of five cases of ID theft are caused by someone the victim knows. Also, you should never leave your purse or wallet in your car. This could result in someone breaking into your car to get your things—which only adds insult to injury.

Take inventory of your wallet’s contents. Try listing everything that’s in your purse or wallet without looking. Once you’re done, check your list against what’s in there. Make copies—front and back—of everything that you carry with you. Leave the copies locked safely away at home so if you find that you have to account for missing items you’ll know exactly what they are.

Determine what is essential and remove nonessentials from your wallet. In most cases, there is no need to carry every credit card, checkbook, Social Security card, and every piece of identification. Carry only the cash you need. Limit yourself to one credit card, and leave the checkbook at home whenever possible. The less you carry, the smaller the mess you’ll have to clean up if your wallet or purse goes missing.

Once you know what should be there, get in the habit of checking the contents to make sure you find all of your cards. After making a purchase, check to make sure you’ve been given the right credit card. And always keep your PIN confidential. Don't write it on your card or carry it in your wallet.

After you have secured the contents of your wallet, think about the other places where your information is vulnerable—like your cell phone. By taking a small step like password protecting your cell phone, you can make it harder for identity thieves to get to your personal information. And when getting a new phone, be sure to clear the information from the old phone. Studies show that the vast majority of recycled cellular phones are handed over with their owner’s personal information and contact lists completely intact.

Unfortunately, even diligent consumers cannot totally protect themselves from all types of identity theft. If you do become a victim of identity theft, time is of the essence. Acting quickly and thoroughly can help to limit the potentially far-reaching impact.


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 .

If you would like more information about a Debt Management Plan, visit MoneyManagement.org.


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