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MEDIA CENTER

The Money Minute - November 2012  

In this Issue

  

Preparing for The Holidays

November represents the traditional beginning of the holiday season. For most people, that means they will try to fit a lot of spending into limited budgets. It's not too late to create a plan to help you get and stay on track with your holiday spending. Apprisen has created two guides, the Holiday Spending Guide and the Toy Buying Guide to help people understand how to be in control when it comes to spending for the holiday season.

To read the entire article click here.

 

Managing Your Meal

Thanksgiving is the time of year where excesses in food and money can lead to a downward spiral that lasts until the first of the year.  And you know what happens then?  You make a New Year’s Resolution to lose weight and implement a “budget” to save money.  But you don’t have to wait until January 1st to begin to make better decisions.  Here are some suggestions that will keep more money in your wallet, and who knows, maybe fend off a few extra pounds.

Read the entire article.

 

Holiday Gift Certificate

You don’t have to spend a lot of money to give somebody a gift that they will cherish and remember for a long time. Often the best gifts turn out to be the ones whose value comes from your time, energy, and thoughtfulness and not for their dollar value. Think about giving the gift of yourself this holiday season. You just might find that you are the best holiday gift under the tree.

To read the entire article click here.

 

Assistance for Seniors in Cleveland

Recently, Ram Mayekar, a Division Manager in our Cleveland office, partnered with the National Council on Aging (NCOA) and the National Foundation of Credit Counseling (NFCC) to conduct a webinar highlighting Apprisen’s involvement in a program benefiting seniors.  The program, The Economic Security Project, is a holistic approach to addressing the issues that impact the economic security of older adults through case management.

Read the entire article.

 

 

Apprisen is Now Nationwide!

Apprisen, the nation’s oldest non-profit credit counseling agency, is pleased to announce that, with the company's licensing in the state of Rhode Island, Apprisen is now approved to provide programs and services nationwide. Apprisen can also assist clients in the District of Columbia and Puerto Rico.

 

Read the entire article.

 

Managing Your Meal

Thanksgiving is the time of year where excesses in food and money can lead to a downward spiral that lasts until the first of the year.  And you know what happens then?  You make a New Year’s Resolution to lose weight and implement a “budget” to save money.  But you don’t have to wait until January 1st to begin to make better decisions.  Here are some suggestions that will keep more money in your wallet, and who knows, maybe fend off a few extra pounds. 

Determine how much food you need.  Think about last year.  How many leftovers did you have and did you eat all of them?  This year, determine what would be the perfect size turkey.  Sixteen pounds for 4 people might be too much.  Keep your portion sizes realistic also. Perhaps, shop with a friend and split items that you only need a small portion of.   That will save money and do you really need all those extra items in your pantry?

Plan your side dishes. Grandpa always has to have ambrosia salad, Uncle John sweet potatoes with marshmallows, and Tommy can’t live without his mincemeat pie.  Everyone looks forward to their favorite dish.  But how much does it cost to appease them? Some possible solutions would be to purchase these items premade or promise to make them at an upcoming meal. That would save on cost and everyone could still get what they want.

Start a new tradition. How many times do you do the same thing because that’s what you’ve always done?  It doesn’t have to be that way this year.  Prioritize and focus on what’s important for your family. And don’t feel guilty about it!  Thanksgiving is maybe more than slaving away in the kitchen, stuffing yourself and dreading the piles of dishes that need to be cleaned.    
       
 

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Assistance for Seniors in Cleveland

Recently, Ram Mayekar, a Division Manager in our Cleveland office, partnered with the National Council on Aging (NCOA) and the National Foundation of Credit Counseling (NFCC) to conduct a webinar highlighting Apprisen’s involvement in a program benefiting seniors.  The program, The Economic Security Project, is a holistic approach to addressing the issues that impact the economic security of older adults through case management.  Seniors are given an economic action plan which will streamline the process of seniors accessing services and benefits. The City of Cleveland, Department of Aging, coordinates this effort.  The goal of this initiative is to have it duplicated in other cities.  

According to the NCOA, one-third of all seniors are economically insecure and carry an average of $10,235 in credit card debt. Through Apprisen’s comprehensive counseling and debt management program, we help seniors become financially secure.  Apprisen is proud to be a key partner in this initiative to improve the quality of life of many seniors.

 

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Apprisen is Now Nationwide!

Apprisen, the nation’s oldest non-profit credit counseling agency, is pleased to announce that, with the company's licensing in the state of Rhode Island, Apprisen is now approved to provide programs and services nationwide. Apprisen can also assist clients in the District of Columbia and Puerto Rico.

“For more than half a century, Apprisen has been an innovative leader in assisting Americans to get their finances on track. Through a combination of counseling, education, and money management services, Apprisen has improved the financial lives of more than half a million people since 1955”, states Mike Kappas, President and CEO of Apprisen. “Now that we can provide services nationwide, even more people can benefit from our knowledge and experience.”

Apprisen’s approach to resolving the financial problems of its clients is holistic. Apprisen addresses a wide range of personal finance issues from basic budgeting to paying down debt and, in extreme cases, bankruptcy. By becoming a nationwide service provider in the credit counseling industry, Apprisen is able to bring resources generated on a national level to the local level. When combined with the knowledge and experience created through local initiatives and activities, Apprisen is able to multiply its efforts, resulting in a larger impact for our clients and the communities we serve.

 

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