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MAP and EAP Are Here For You! By Diane North, MAP Coordinator/Editor Am I the only person in the world with money problems? No, you're not!!! Every month, more than 7 million people have trouble paying their bills. So, if you find yourself worrying about debt, below are a few things you can do . Pay more than the minimum on credit cards: Increased payment will save interest. Move your balances to a lower interest card: Pay attention to your interest rate! Cash from your savings account: Pay off debt with savings rather than paying high interest. Borrow against your life insurance, Mortgage or Thrift Savings: Interest rate is typically lower and you repay yourself. Mortgage borrowing is tax deductible. Renegotiate terms with creditors: Let your creditors know your situation. Appeal to desire to receive some payment before you consider bankruptcy. Help from a Credit Counseling Agency: Consumer Credit Counseling, 1-800-355-2227 or www.ccs-kc.org. MAP 954-891-0452 EAP 305-594-2784 "If you are a person who needs more in order to feel complete, then you will still feel incomplete when you have acquired more." -- Dr. Wayne Dyer Tidbits Over the next 30 years, the baby boomers (you) will be transferring to your heirs over thirty-five trillion dollars! (The largest amount in history). And much sooner than that (between now and over the next 5 to 10 years), you will be retiring from your federal government careers. Chances are, YOU are a baby boomer! over 50% of government employees are. Want to chat? Feel free to call my beeper (954) 891-0452 at any time with any questions relating to any topic.
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