MA1GNOL:CA

CLIPPING SERVICZE
(601) 856 0911 1 (105) /5ri.i6ii

HOLMES CO HERALD
LEXINGTON. MS
cl,ccllatoo>= 1'107
WEEKLY
11120/2008

Failure to maintain good Cnnsider developing a budget so

you can live on 70 percent o f

credit'')@can hurt job

- chances your new income, with the rc-
maining 30 percent used forsav-
With thc nation's unemploy- tries to obtain tood at the lowest ings and investments.
ment remaining high. Consumer possible cost. The organization Consider selling your car, cs-
C r e d i t C o u n s c l i n g Service can bc reached at 1.877.366.3646 p e c i a l l y if y o u have a h i g h
(CCCS) o f Jackson today reminds 0 r angelfood@ monthly payment, and purchase
people who have lost thcir jobs angelfoodministries.com. a less expensive model w i t h
to continue paying thcir bills on C a l l United Way at 2 1 I to find smallermonthly payments.
time and managing their credit out about other low-cost ser- If it's difficult to make your
wiscly during lhis difficult pc- vices, such as day care. mortgage payment each month
rind. * Ifyou are paying off a stu- and you can l i v e i n a smaller
Managing your credit during dent loan, contact the financial home, consider p u t t i n g your
~lncmploymcnlis crilic;~l since company scrvicing the loan to homc up for sale. While homc
having good credit is a require- lind out i f you can defer or re- prices are depressed, i t may be a
~ i i c ~fori l so~nc,iohs."Some pcoplc ducc your payments. better long-term solution t o live
have the pr~~rcssional and cdu- * Contact the linancial com- i n a home you can afford.
cation h:tckground filr a new po- pany servicing your automobile Need More Information?
sitio~i,h t ~nlay l have an inithilily loan to scc il'you call ~nakeasimi- Consumer Credit Counseling
Iopay bill so^^ litnc."saysShcrry Ii~r arrangcmcnt. Service (CCCS)of Jackson offers
IKainey. ('('('S of.l;~cksl,n presi- * Make i ~ least
t the minimum onlinc cducation classes that
d c ~ i l . "Failing lo m;ln;lgc your n~onthlypnyments on your credit cover a wide variety o f money
i l accoonls. I T that is impas- management
finances d u r i ~ ~ugn c ~ n p l o y ~ n c ~c;~rd topics at
could affccl your crcdil report sihlc, conlact your lender, cxplain www.eredabilityu.org.
and hurl your clianccs of land- your loss of income and advise CCCS is a 501(c) 3 nonprotit
ing a incw,iob." tlicm whcn you will be able to re- community-service agency thal
As part o f ils education mis- sunie making payments. provides confidential budget
s i o ~ ~the , n a l i o n a l nonprofit I fyou cannot make your mort- counseling, money managemell1
credit counseling agency icnclics gage payment, contact a mort- education,debtmanagementpro-
cIa h....
h a on lnoncy managc~nc~lt.gage counselor at 1-888-995- grams, bankruptcy counseling
I%clowarc some money mnnnge- HOPE. and education, and comprehen-
Inen1 lips to help peoplc through * Consider downsizing your sive housing counseling. CCCS
a period o f unem~loymen!,,,,,as lifestyle b y reducing expenses i s a part of the CredAbility Net-
w$d$s ,;,@.*w(&qq+&,~b*l "SIIC~ as Cliili '*nil" gymmdhher- w 6 ~ t ob.cug.nclesse~-
v
~ ~ ~ OIICC
c i i ll l ~ r y11avc;I IICW iol>. ship\. cahlc t c l c v i s i o ~ ~hotllcd
, ing consumers in nurtli Gcorgi;~.
Short-'l'crni Moncy M;l~i;~gc- willcr a ~ inovics. ~ d .
Find ways to south Florida middle Missis-
ment I'ips reduce "everyday" expenses, sippi and east Tennessee , as well
People who Ii:~vcrcccntly losl such as telephone use and din- as nationally via telephone and
a/oh should dclcrminc ifthey are i n g out at restaurants. For ex- Internet.
eligihle fnr ~ r ~ ~ e m p l o y l nben-
c n t ample, families with cell phones Headquartered i n Jackson ,
clits li.lrln lhcir stale Dcparlmenf for each person may not need a CCCS is a United Way partner
ofl.ahor. While stalelawsvary, a land line and cooking all meals at and is accredited by the Council
person is often eligible lor hcn- home could easily save a family o-n Accreditation and is a mem-
clits as long as they have not re- Ilundreds o f dollars each month. ber o f the Better BvEiess Ru-
ceived a scvcr;lncc pack:~gclioln Long-Tcrm Money Manage- reau and the National Founda-
their cmploycr or rcccivc rclirc- rnent l'ips t i o n for C r e d i t C o u n s e l i n g
mcnl incomc. Many peoplenow unemployed O\II;'CC).
Once you 11:lvc losl a job, c o ~ i - Ibrmerly worked ill high-income Governed by a community-
sidcr the lbllowing lactics: prnrcssional jobs. such as those based board o f directors, CCCS
* Makc looking for a new job i n the inartgage, real estate or se- is funded by creditors, clients,
your full-ti~ncjob.It lnay lakc scv- ct~riliesindustries, and may not eontributors and grants f r o m
cral months for peoplc i n some find :I ncw job paying as much foundations, businesses and
professional and linnncial scr- money. l'hey should consider a government agencies. Service is
vices to lind a ncwjoh. Each day c l i a ~ ~ gi netheir lifestyles to meet available i n English, Spanish 24-
yolt need to network with lricnds lheir financial ohligations i n the hours aday, 365 days a year, by
:and fbroier colleagoes, look for fi~ture. Here are some tips to do phoneat 601-969-6431 or 1-800-
jobs onlinc and apply li)r ncw that: 251-CCCS, or at its Web sites,
~)(~siti(~ns. * Ilevelopa new, realistic bud- www.cccsinc.org and
Plenty o f assistance is nvail- get that w i l l enable you to pay cccscnespanol.org where livc-
:~blc.For example: for essential expenscs and bills chat counselors are available
* Contact Angcl I:oo(l Minis- hcforc any extra or luxury items. around the clock.