Let me make this very clear. I own and operate the business! I earn money! Not just through the simple fact that I have a business, but also through the business is the bottom line. This is one of the most important areas that should be considered when you are considering taking a job as a financial counselor at a nonprofit.
As a counselor at a nonprofit, I will provide you with a financial resource kit and make it available to you as a free service, free of cost, with the stated purpose of assisting people in managing their money.
This is something that should never be used for promotional purposes without specific written written permission from me. As a financial counselor, I will thoroughly review your credit score in order to know if you are a good candidate for any of the aforementioned credit counseling programs.
Let me give you an example of how important it may be, if the financial counselor is provided a copy of the “Personal Emergencies” booklet that includes your credit history. The first thing you will want to do is review the details and, if you are sure that you do not need the booklet’s help, then make sure that you do not need it, as it contains information that will ruin the fun once again for you and your loved ones.
The second important thing to do is to check the interest you receive on your personal credit cards, when they are due to be debited from you and your family and the interest is based the entire time you have been the holder of the credit card.
Do not be taken by the fact that you have no idea how much money the financial counselor is using, or that you are actually getting the help you need every time you use your credit cards. You must evaluate the counselor’s suggestions, and do not allow yourself to be “corrected.” Many people are having problems and need help in making some of the necessary changes. There is nothing wrong with that, but I will tell you what it can do to your credit standing.
You have to pay down your balances if you are going to be able to pay off your credit cards. Having a credit card with an interest rate that is near-instant repayment is of far more importance and importance than using your card to pay the cost of monthly finance charges.
There is a difference between having the ability to pay off an unsecured credit card when it is due and to have it paid off right when you want it. If you are paying high interest for a small loan and then have the credit card bill come due approximately three months later it is far more likely that you will be required to make large payment increases which adds up over several months, and you will have little ability to pay off your bills as the card is often overdrawn by the loan. The only thing that you can really do is have the card get taken out to pay off the other unsecured credit cards that you might have, by someone at the bank who should have notified them.
I am afraid to say that there may be millions of innocent people being financially shocked and dismayed every year; for many years they had believed that they were debt-free due to personal money. Many people are able to keep their balances low all over again and then have to make large payments to their credit cards to pay off their loans for the sake of having their balances high. Well, that is not what the credit card companies do. They make thousands and thousands of dollars on fees and interest charges. They do not want people to be in trouble and need help; they just make a profit. What they do is set up a new credit reporting agency to provide people with, an information provider who they will sign off on for as being entirely independent from the credit card companies. While in the process of setting up the information provider, the credit card companies make a fortune as the information provider is set up for the benefit of the credit card companies so they can further make their money until they eliminate the information provider because they don’t want people to admit to themselves that they are serious and have managed to control their finances for years. I would hope however that every one would realize that there is never any excuse for self-doubt, it is just how it is done.
Just about every major financial institution in the US make money from giving their employees credit cards, and there are a great many cards being offered at amazing prices by many of the leading financial institutions. When a person looks in the mirror and sees that there is a difference in their personal financial situation, they are going to be very interested in looking at these competing cards and the alternatives available to them. When you look at all the reasons they are offering their credit cards and the benefits they offer, you are going to see that you are getting something for your money.
When you review the rewards programs that these cards offer, you will see that those cards have the potential of creating big profits.