News From Our Blog

Volunteer in the New Year! We Help You Help Others in 2014!

Each year, one of the most popular New Year’s resolutions is to volunteer more. It’s easy for everyday life to quickly get in the way of your desire to help others—so why not pick a way to be of service right now? We have plenty of resources and ways to help you get started:

  • Take the worry out of choosing an organization to help: Concerned about the legitimacy of the group you’re donating your time to? Our Public Service and Volunteerism page lists tons of approved organizations where you can get involved without having to worry that they could be fraudulent. There are also many federal organizations that offer volunteer opportunities, like the Peace Corps or Senior Corps.
  • Share your experiences and learn from others: Get ideas and inspiration from other volunteers by checking out United We Serve. Share your own project, and let others know of its progress. You can also match your own interests and location with specific current volunteer opportunities.
  • Get your kids involved: It’s crucial that young people know the importance of giving back, in order to continue the cycle of volunteerism. The publication Catch the Spirit provides ideas and information on how students can help make their communities a better place.

Before the new year quickly becomes the spring, take the first step to make volunteering a regular part of your life year-round. Need a specific start date as a kick-off? Martin Luther King Jr. Day (January 20th) has been designated as the national MLK Day of Service. Choose how you can enjoy helping others the most, and start volunteering!

These New Year’s resolutions are popular year after year. Find resources to help you achieve your goals.

Our free packet of New Year’s publications can help you meet your resolutions. Order your publications today.

Resolution: Manage Debt

Over the next few days, we will be sharing tips to help you stick to some of the most common New Year’s resolutions that we make every year. Today we’re sharing tips on how to get out of debt.

Do you want to take control of your debt in 2012? Many people face a financial crisis at some time in their lives because of personal or family illness, the loss of a job, or overspending. It can seem overwhelming, but debt can often be overcome. 

There is no such thing as a quick and easy way to get out of debt. Turning to a business that offers help in solving debt problems may seem like a reasonable solution when your bills become unmanageable. But before you do business with any company, check it out with your state Attorney General, local consumer protection agency, and the Better Business Bureau.

The good news is that there are realistic steps that you can take to get your debt under control.

Develop a Budget

Do a realistic assessment of how much money you take in, and how much money you spend. Start by listing your income from all sources, then, write down all your expenses, even those that seem insignificant. This will help you track your spending, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

Contact Your Creditors

Contact your creditors immediately if you’re having trouble making ends meet. Tell them why it’s difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level. Don’t wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you.

Deal with Debt Collectors

The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact.

Manage Your Car and Home Loans

If you stop making payments, lenders can repossess your car or foreclose on your house.

Learn more about managing your money and dealing with debt