Penn State Ag Sciences Newsline -- March 6, 2001

Three simple steps can help you regain financial independence (:39)

Suggested Intro:

WHETHER IT'S FROM TOO MUCH HOLIDAY SPENDING, UNEXPECTED EXPENSES OR HIGH WINTER HEATING BILLS, MANY PEOPLE ARE FACING FINANCIAL PRESSURE AT THIS TIME OF THE YEAR. AN EXPERT IN PENN STATE'S COLLEGE OF AGRICULTURAL SCIENCES SAYS SOME SIMPLE PROCEDURES CAN HELP YOU REGAIN CONTROL. GARY ABDULLAH HAS THE STORY:

Story:

(:09) TOO MANY BILLS CAN BE STRESSFUL. PENN STATE CONSUMER EXPERT CATHY BOWEN SAYS THREE SIMPLE STEPS WILL HELP YOU TAKE CHARGE OF YOUR FINANCIAL SITUATION:

Bowen Actuality:

(:16) "FIRST, STOP USING CREDIT CARDS UNTIL YOU ARE COMFORTABLE WITH YOUR OUTSTANDING BALANCES. TWO, PAY MORE THAN THE MINIMUM AMOUNT STATED ON YOUR MONTHLY STATEMENT. THREE, PAY EARLY IN THE BILLING CYCLE -- EVEN IF YOU'RE NOT GOING TO PAY THE FULL AMOUNT DUE."

(:14) BOWEN SAYS PAYING EARLY AND PAYING A LITTLE EXTRA CAN HELP YOU CUT FINANCE CHARGES, REDUCE YOUR TOTAL EXPENSE AND GET BACK IN CONTROL. SHE SAYS MORE CONSUMER CREDIT TIPS ARE AVAILABLE FROM YOUR COUNTY PENN STATE COOPERATIVE EXTENSION OFFICE. I'M GARY ABDULLAH.

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To learn more, follow these links:

Cutting Credit Costs: Pay Credit Card Bills Early (Penn State Cooperative Extension publication -- Adobe Acrobat reader required)

Cathy Bowen consumer issues program information (with links to publications and information on credit, frauds and scams, etc.)

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