Post-Disaster Money Tips

1. Review your insurance coverage and file claims as soon as possible. Do not, however rush to settle your claims. Make sure you have been adequately compensated for your losses within the limits of your policy.

2. Locate your credit cards. Immediately call the issuers if you can't find them.

3. Use credit cards prudently for emergencies to avoid overwhelming balances later.

4. Reject unsolicited and fee-based offers to fill out loan and emergency grant applications. Contact your financial institution or legitimate assistance agency if you need help.

5. Develop a financial priority list. Your budget may be seriously affected by reduced income and increased expenses, so consider each line item carefully.

6. If you are unable to meet all your financial obligations, communicate with your lenders as soon as possible - you could save your credit history from future damage.

For Financial First Aid, contact BALANCE at counselors for confidential financial advice. BALANCE services are provided free of charge, courtesy of your credit union. Call 888-456-2227 or log on to www.balancepro.net for more information.