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Text Box: WHY DO PEOPLE NEED  CONSUMER CREDIT COUNSELING? Each year, thousands of people are faced with debt problems. Most of these problems are caused by: no family budget or savings no plan for unexpected expenses or emergencies "buy now - think later" spending loss of income; unplanned pregnancy; divorce borrowing to pay bills uninsured medical expenses credit card abuse HOW CAN CONSUMER CREDIT COUNSELING HELP? CREDITOR RELATIONS - Assistance can be provided in working with creditors and crisis intervention. BUDGET COUNSELING - Counselors work closely with clients to develop workable family budgets meeting specific individual needs. DEBT MANAGEMENT PLAN - Where there is a steady income, but not enough to make debt payments in full or bring all accounts current, CCCS can negotiate and manage debt repayment plans for clients.  Some payments may be adjusted and bills paid over a longer period of time, but they will be paid in full.  This program serves the dual role of helping the client repay their debts and helping the creditors receive money owed them. EDUCATION - Consumer Credit Counselors teach the wise use of credit, budgeting, and good money management, individually as well as through group classes and educational programs. WHO BENEFITS FROM CONSUMER CREDIT COUNSELING?  YOU... by a feeling of personal relief and improved family life when the tension and stress of debt problems are removed. CREDITOR... by fewer losses due to collection and to individual bankruptcies. EMPLOYER... by improved performance and attitude of employees when personal money problems are under control and collection calls cease.

                                       Self-Care/Stress: Ten Timely Tips on Stress

Article by L. John Mason, Ph.D.

 

Tip #1 :Take 40 Deep Slow Diaphragmatic Breaths Each Day (Spread evenly throughout your day not all at once at the end of the day or you might hyperventilate.) You can benefit from associating the deep breaths with some common work occurrence such as the telephone ringing or clock watching.
Try this! Though very simple to do, it is a very powerful stress management strategy.

 

Tip #2:Use Regular Relaxation Periods for Work Breaks. Try fifteen to twenty minute periods of (hopefully) undisturbed time away from phone and/or family. Commit to using this for four to six weeks to begin to see the benefits.
If you would like some guidance in developing your stress management skills consider finding an appropriate tape or CD that is targeted for your specific interest.
You will be surprised to find that this will save you time and energy. You will get more done in less time if you are not distracted by internalized stress.

 

Tip #3: Get Regular Exercise. Aerobic activities such as walking, jogging, swimming, biking, etc. for 20 minutes 3 times per week is minimum. Recommended is 30 minutes or more, 4-6 times per week. But do not hurt yourself!

 

Tip #4: Eat Sensibly. Avoid Caffeine. Do Not Cope With Stress by Using Alcohol or Drugs. If you are stressed out, caffeine is like throwing gasoline on a fire to put it out!
The secret is moderation and common-sense.

 

Tip #5: Get Focused on New Directions and Regular Planning. Give yourself positive options if you feel trapped. Plan for growth in all aspects of your life not just work and finance (family/relationships, spiritual interests, creativity, vacations, hobbies, etc.)

 

Tip #6: Use and Develop Your Humor! Positive Attitudes Really Help! Difficulties, when viewed as opportunities for growth and proving your abilities, are less harmful. But do not bury your anger, fear or sadness.

 

Tip #7: Protect Yourself From Negative Co-Workers and Relationships! Do not get caught up in other people negative thinking or let them rip off your peace of mind and positive energy. Take good care of yourself!!

 

Tip #8:Get Back In Control! If you can not control all the people and situations that happen around you.... at least you can control the way you respond!

Tip #9: Give Sincere Compliments Freely and Smile! Be positive and let it shine on all that surround you. It will come back many times more.

Tip #10: Learn to Really Listen! It is the best communication technique that you can develop!