Break the Debt Cycle

The average household debt in America is a staggering $9,000. You may be in consumer debt trouble if you:

• Avoid creditors and bills
• Charge or use payroll advances for essential expenses
• Regularly bounce checks
• Have accounts closed by creditors
• Skip certain bills every month
• Make only minimum payments while continuing to incur charges

To break the cycle of debt, review your budget to identify expenses that can be reduced or eliminated, and explore ways to increase income. Accelerate debt payoff by immediately suspending charging, paying more than the minimum, and requesting interest rate reductions.

Your credit union wants to help you master your money. We've partnered with BALANCE, a financial education and counseling service that can help you get your finances in order, pay down your debt, and reach your goals – all at no charge to you. Call 888-456-2227 or log on to www.balancepro.net for more information.