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Financial Management Tips
by Barak Strickland


When you've spent your paycheck, is there still a stack of bills to be paid? Is a savings account something you're still planning to open instead of something you put money into regularly? If so, you're not alone.

Here are some tips to help:

* Pay yourself first. Invest at least 10% of your income in consumer debt repayment or in some type of investment account. To make real financial progress you must reduce your liabilities and increase you assets.

* Establish specific written financial goals. Set short term, medium term and long-term objectives for yourself and your family. Review and update your goals regularly, no less than annually.

* Make a realistic spending plan and use it. You must plan how your income will be used or someone else will! Track your expenditures using receipts, a notebook, or whatever is convenient for you.

* Learn about the different types of insurance available. Buy only what you need to cover a specific risk. Increase deductibles to the highest amount you can afford.

* Stay current with your finances by reading regularly, taking courses and working with your own personal financial coach.

If you've heard all of this before but haven't acted on it, now is the time to move forward!

Remember "Knowledge without action is ultimately the same as not knowing."

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* Using the debt negotiation process does not guarantee that you will not have to file for bankruptcy in the future. If you have questions about filing for bankruptcy, please consult an attorney.

Although Provider will analyze financial information, the Provider does not and will not analyze any contracts between any actual or potential client and any third party.

By completing a form on this website you are requesting a service contact you in most cases by telephone regardless of your status on the do not call list (DNC). Forms on this website are provided to the consumer to be used to request information, these forms are never an application or a pre-qualification for services. The consumer will only be entered into a program AFTER they have received a complete consultation and have signed an official agreement.

Important: Typical savings are an aggregate 48% over all creditors and does not include program fees. Amount of savings greatly varies based on amount of debt, creditors and default time.

Fresh Start America and its affiliates are not advocating that you stop paying your creditors to force them into settlements. Furthermore, we do not encourage you to default on any contracts that you have with your creditors. When a payment to a creditor is missed or is late, there can be negative consequences to your credit score. The debt negotiation process should only be used in the event of legitimate financial hardship. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so. The negotiation process works best in the event of LEGITIMATE FINANCIAL HARDSHIP. Although we believe all of the information found on this website to be accurate, it is for demonstration purposes only and should not be construed as legal advice. If you have legal or tax questions you should consult a professional in the appropriate field.

In States in which we are not permitted to be your intermediary, Fresh Start America will instead act as your advisor during the process of adjusting, settling or discharging of your debt. Fresh Start America and its affiliates will never exercise control directly or indirectly over the funds you will save and use for the purpose of making partial or full payments to your creditors.