Consolidated Credit Counseling Services, Inc. 5701 W. Sunrise Blvd., Fort Lauderdale, FL 33313 1-800-SAVE-ME-2 1-800-728-3632 www.ConsolidatedCredit.org A free publication provided by
Consolidated Credit Counseling Services, Inc.TM,
a nonprofit educational credit counseling and
debt management organization.
Consolidated Credit Counseling Services, Inc.TM
5701 W. Sunrise Blvd., Fort Lauderdale, FL 33313
Y ou can’t achieve financial freedom without
budgeting. Why? Because people who can
account for their money are in control of it. You
can’t build a house without a blueprint. You can’t
run a business successfully without a business
plan. And you can’t successfully run your house-
hold without a budget.
You may be amazed to learn that many Americans
live paycheck to paycheck, without knowing where
their money goes, what their spending habits are,
or when they will be out of debt.
Myths About Budgets
"A budget is restraining and limits my freedom."
Not so. A budget actually does the opposite; it puts
you in control and helps you achieve your financial
"I can’t solve my money problems unless I make
False. You can do a lot to solve your money prob-
lems right now by sticking to a budget.
"Budgets are complicated and take too much time."
No way. With a little instruction, anyone—even
children—can create and maintain a budget. After
the initial setup, maintaining your budget records
takes about 30 seconds per transaction.
• Reduce or eliminate interest
• Consolidated credit card bills
into one lower monthly payment.
• Pay off your debt in half the
• Save thousands if dollars.
CREDIT COUNSELING SERVICES, INC.