Sophie joined Century after falling behind on out-of-pocket medical payments stemming from her cancer treatment.

Sophie

After surviving cancer and being in remission twice, Sophie’s debts were racking up faster than she could pay them back. Sophie was only working part time in January of 2019 when she became disabled. In February, she found herself unemployed and only receiving disability checks.

Since her disability wasn’t covering the medical bills, she started using her credit cards to help pay her monthly bills. Due to the extremely high interest rates and the lack of income, she was unable to pay down her debt and the balances kept climbing. This is when Sophie took action and sought out debt relief help from Century.

Sophie Joining Century’s program helped Sophie get the financial relief she needed. “I’ve had nothing but super experiences with Century. They got some of the credit cards and accounts to accept less money.” Sophie said. “I have a few months left in the program and Century has helped me a lot.”

Sophie not only understood her program, she also understood the role she played in her program’s successes. She paid close attention to alerts and notifications our team sent along the way and it paid off for her. Sophie is now finishing out her final settlement and should be completed this year.

 

 

Congratulations on your program success, Sophie!
We thank you for trusting us to be a part of your journey toward better financial health and celebrate your diligence in staying with the program to make such great progress!

*We protect the privacy of our clients by changing their names and omitting any identifying details.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

July 12 is National Simplicity Day—a holiday that few people have heard of but that many people could benefit from celebrating. With a better understanding of the idea behind this holiday and how its principles can improve your own lifestyle and finances, perhaps you can make some changes to begin living a more simplified and stress-free life.

More About National Simplicity Day

keep life simple

This particular holiday was created in honor of transcendentalist Henry David Thoreau, who was known for reflecting on simple living in his writings (including the famous book Walden). The idea behind this holiday is that sometimes, life is best lived when you cut out all the unnecessary things and tasks that don’t bring you joy. This doesn’t mean going without; it simply means getting more out of less.

A simpler life can also cut down on stress, leaving you with less pressure to accumulate pointless things or spend your precious time on activities you don’t truly enjoy. And of course, by cutting out some unnecessary things in your life, you can be better off financially as well.

Simplifying Your Life to Save Money and Reduce Stress

So, what are some steps you can take to start simplifying your own life in celebration of National Simplicity Day? The nice thing about this holiday is that you can observe it as drastically or subtly as you’re comfortable with.

live simply

  • One goal that you may want to consider is simply sitting down and making a physical list of the things and activities that are most important to you. This might include physical objects and things like spending time with family. Focus on the things and activities that bring you the most joy in your everyday life; this will be your guide to cutting down on some of the “clutter” that may be having the opposite effect.
  • From there, brainstorm some ways in which you could begin living a simpler life today. This could mean going through your garage and closets to find physical objects you no longer need. You could even consider taking these items and holding a garage sale to get rid of them and bring in some extra cash.
  • Another way to potentially simplify your life is to stop worrying so much about having the “latest and greatest” things. When something breaks (such as an appliance or electronic), look into having it repaired rather than replacing it outright. Doing so will not only save you money but will cut back on unnecessary waste.
  • You can also simplify your everyday lifestyle to save money. Consider, for instance, something as minor as turning down your thermostat even a few degrees during the summer months. Doing so will put less wear and tear on your AC unit while also saving you money on your energy bills. Meanwhile, a difference of a few degrees inside your home will probably not even be noticeable to you.
  • Cut down further on your energy costs and live more simply by hanging up your laundry to line-dry rather than running it through a clothes dryer. There’s just something about the scent of line-dried clothes that cannot be beaten by a store-bought fabric softener.

Get on the Path to a Simplified Life Today


These are just a few ideas for simplifying your lifestyle to reduce stress and save some money in the process. That money you save can then be used to add funds and speed up your Century program. Meanwhile, you will have to cut out the excesses from your lifestyle to reveal a simpler and more enjoyable existence.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

With the COVID-19 pandemic having taken a huge financial toll on many hard-working Americans, the upcoming academic year will prove to be challenging for many college students and parents alike. Shelling out thousands of dollars (or more) to attend school is difficult enough under “normal” circumstances, after all.

The good news? There are plenty of opportunities for financial aid available. From school-sponsored scholarships to Federal grants and everything in between, knowing how to take advantage of the resources available to you can make paying for school easier on your wallet.

Take Advantage of the “Summer Melt”

financial aid

One of the biggest “secrets” to maximizing your financial aid package is to take advantage of a phenomenon known as the “Summer Melt.” This refers to the time around the end of May when many students who have already committed to a particular school/college change their minds and either choose to attend a different school or drop out altogether.

When this occurs, any financial aid money that was allocated to these students becomes freed up, creating the perfect opportunity for prospective students to bolster their own financial aid packages.

The best way to take advantage of the Summer Melt? Contact your school’s financial aid office directly during the mid-summer months (ideally around late June or early July). This is usually around the time that most students who have changed their minds have formally withdrawn from the school. From there, the financial aid that was allocated to them has recently been freed back up and schools may be more willing to work with you.

Specifically, you’ll want to ask if there are any new financial aid opportunities available for you, whether it be more scholarship money or even a grant that you won’t have to pay back. If you’re already taking out student loans, it’s possible that you may be able to take out a larger subsidized loan than you originally qualified for (which will save you from accumulating interest while you’re in school).

More Tips to Maximize Your Financial Aid

FAFSA

In addition to taking advantage of the so-called Summer Melt, there are some other steps you can take to maximize your financial aid and minimize your out-of-pocket expenses this school year. Start by exploring new scholarship opportunities as they become available. Aside from the scholarships offered by your school directly, there are all kinds of private scholarships that you could be eligible for and that can add up quickly. Some of these will require you to write a short essay, while others may only require you to fill out your contact information to apply.

You’ll also want to make sure that you’re taking advantage of any grants for which you qualify. Like scholarships, grants are money that you don’t have to pay back. One of the best ways to determine your eligibility for grants is to fill out a Free Application for Federal Student Aid (FAFSA). If you haven’t done this already, check your school’s FAFSA application deadline; if it hasn’t already passed, complete your FAFSA as soon as possible!

The Final Word on Paying for College

It’s no secret that paying for college can be difficult for students and parents alike. Fortunately, there are all kinds of resources available (from grants and scholarships to low-interest loans and subsidized loans) to make paying for school a little easier. At the end of the day, it’s also important to remember that a college degree can pay off many times over by helping you land a stable and well-paying job after graduation!

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

Are you a workaholic? If you are, there is a “holiday” just for you. July 5 is National Workaholics Day. Instead of skipping lunch like you normally do, take lunch (or Zoom lunch) with coworkers – it’s a first step in “curing” this condition. The workaholic condition might be one of the hardest to break because it is one of the few socially acceptable conditions a person might have. While many people think being a workaholic is good, it actually has more drawbacks than you would think.

Signs of Being a Workaholic

mom working with daughter wanting to play

You might be thinking, “Well, that’s an easy one – I don’t stop working.” It’s more than that, though. Workaholics often have anxiety, do not have a social life, or are unhappy. They do not admit that they have a problem. However, making work your first priority can affect your health. You could suffer from impaired cognitive function from sleep deprivation. If you are staying at the office until all hours of the night and then showing up before the start of the workday, you are working too much and 1) not getting enough sleep, 2) ignoring your family and friends.

While achieving a good balance between work and life can be difficult, it is something you should do – for your health most importantly. These steps can help you achieve that balance and hopefully rid you of anxiety and sadness – if you are feeling these symptoms.

utensils

Make Yourself Take Lunch

Even if you don’t want to eat –sit outside, take a walk, or do something, but get out of the office. Don’t even look at your social media or anything else that requires a device. Even if you have to vacuum the house (if you work at home) to get yourself away from all of your devices, do it.

clock

Set a Time to Leave


If you normally stay at the office after hours, pick a time to leave. Stick to that time every day. If you can’t manage to leave at 5:00 p.m. and you normally stay later than 8:00 p.m., set your time for 6:00 p.m. You can cut it down another hour after a few weeks of the “new” late time.

By the same token, do not leave for the office earlier than you need to in order to get there on time. If you work from home, pick a time and stick to it – preferably around 9:00 a.m., but no earlier than 8:00 a.m. If you start working earlier, you should plan to leave earlier.

computer

Leave Work at Work


Regardless of whether you work in an office or your home, do not check your work email after hours. Unless your job requires you to respond to emergencies, ignore texts and phone calls when you are off the clock. Your coworkers will just have to understand that you need to have some time for yourself.

transition

Transition In and Out of Work


If you drive to work, use the drive as your transition time to allow you to walk into your house and be ready to spend time with family or friends. If you work from home, take 10 or 15 minutes to think about what you want to do now that your day is done and then get crackin’.

socialize

Don’t Forget to Socialize


Working all the time doesn’t leave room for play and that can be stressful on relationships. Start scheduling time to spend with family and friends – away from work. Don’t discuss work. Turn off your devices and give your family and friends 100% of your time while you are with them.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

Are you ready to declare your financial independence this fourth of July? For many people, they are simply getting by. They are living paycheck to paycheck, barely making their debt payments and don’t have a retirement plan or emergency fund. The good news is that you can declare your financial independence, save for unforeseen expenses and prepare for your retirement with our five-step plan.

1. Start by Declaring Your Financial Independence with a Budget

The first step in any good financial plan involves creating a budget. Take a look at all your household bills and expenses, including your subscription services. We recommend creating a spreadsheet of all your current bills. Then, in a separate column list all your income sources. Next cut unneeded or frivolous expenses.

Next, determine if you are earning more than you spend? If you’re not earning more than you spend each month, it may be a good idea to find some additional income sources, like gig work, a part-time side job, or a better-paying job. After all, you can’t save if you’re spending every dime you earn.

2. Take Your Independence to the Next Level with an Emergency Fund

Emergency funds are for unforeseeable expenses, like car and appliance breakdowns or the sudden loss of a job. In the past, the recommendation was to have three to six months of your expenses in a savings account. Today, it may be more prudent to have between 12 and 18 months of living expenses saved. To effectively start your emergency fund, take another look at your budget. Add a row labeled emergency fund. If you have any money left over at the end of the month, put it in the savings account you use for your emergency fund. Once you’ve achieved 12 to 18 months of living expenses into your account, it’s time for the next step.

3. Get Independent by Going Debt-Free


Debt can be a necessary part of life. You need loans for homes and cars, and credit cards can help bridge the gap for sudden expenses prior to having your emergency fund. However, at some point, it’s time to get rid of debt. Take a long look at all your debts. You can even add a column for debts on your spreadsheet. How much do you owe? Determine the highest and lowest balances and the highest and lowest interest rates. Some people like to start by paying off their smallest loans, which can result in a quick feeling of accomplishment, or highest interest rate cards, which can save money in the long term.

Another option is to look at debt relief options, like debt settlement. If you’re completely overwhelmed with your debts and making your minimum monthly payments is becoming impossible, Century can help. Our Debt Specialists offer a free debt evaluation and customization of debt relief program that fits your situation. The goal of the program is to support you in your journey toward better financial health.

4. Light Your Financial Fireworks with Investments


Once your debt is under control, it’s time to light your financial fireworks with investments. This can be as simple as participating in your company’s 401k plan and starting your own independent IRA with your banking institution. You can also take out CDs and invest in the stock market, once you become more comfortable with investments.

5. Consider Sharing Your Financial Independence


Throughout the process of taking your financial independence into your own hands, you’ll learn a lot. Consider sharing what you’ve learned, so that others can take steps to enjoy financial independence. You can also start helping your younger relatives (i.e. nieces, nephews and grandchildren), by adding to a 529 college savings accounts and helping pay for extracurricular activities, to support them in broadening their knowledge and start out their adult lives with as little debt as possible.

To learn more about getting financially independent and for a free debt evaluation, give us a call at 855-417-6648.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

June 30th is a day that has been set aside to celebrate social media. It’s true that social media has enhanced lives in many ways over the years. From finding incredible recipes, outfits, and decorating ideas on Instagram and Pinterest, to reconnecting with family, friends, and even lost loves on Facebook, to finding “how-to” videos for practically everything under the sun on YouTube, social media is a force that is here to stay.

However, there are risks involved with using social media. Especially for children. As we work to help you get your financial life in order, we’d also like to help by offering other tips to protect yourself and your family, including ways to keep your family safer on social media

Protecting Your Children on Social Media

The first thing is simple. Protect your children. Only allow them to participate in age-appropriate social media activities. For the most part, this will involve dedicated “kid spaces” for younger children. Even Facebook has an age limit of 13 and over. That’s a good guideline to follow.

Before allowing older children to participate on Facebook, it’s important to have critical safety conversations about stranger danger, public comments, and other risks that abound on social platforms. This includes things like:

  • Bullying. Warn your kids about the risks of being bullied on social media and of peer pressure to bully others.
  • Revealing information (home alone, bored, school, neighborhood, hangouts, family vacations, sports teams, dance teams, etc.).
  • “Facebook depression.” It’s a real thing as most people only post the best snapshots of their lives on Facebook, and even some of these are faked. Explain to children that most people do not live the lives they portray on social media.
  • Stranger danger. It’s an important reminder to children that cyber interactions can have real-world consequences and that there is no true privacy on the web, which is why they have to be careful about who they interact with and what they say.
  • Monitor your child’s social media time. Set a time limit and make sure you’re connected with them on all their social media accounts.

Also, don’t forget to take advantage of available technology to help you keep your kids safe online. There are countless low-cost options you can use to track activity, filter content, limit access, and more. These are a few of the top contenders.

  • Bark. There are two options available, Bark Premium, which costs $14 monthly or $99 annually, and Bark Jr. which costs $5 monthly or $49 annually. These help you filter websites, track your kids’ locations, and manage their screen time for the Jr. version. The Premium version allows you to manage social media, provides alerts for cyberbullying, and monitors texts, emails, and more than 30 apps.
  • Kaspersky Safe Kids. Offers free and paid versions of the software that allows you to block inappropriate content, manage app usage, create age restrictions, and more.
  • KidLogger Parental Control. This app allows parents to monitor the time kids spend online, which apps they’re using, which websites they visit, and who they are communicating with. You can even track your child’s locations, photos that are taken, and more. There are three versions with added features and pricing options. The basic package is free, the standard package is $29 per year, and the professional package is $89 per year.

These actions can be instrumental in keeping your children safe online. Of course, you’ll have to be consistent with follow-up and remind them often about rules you have in your home concerning social media use.

Protecting Yourself and Your Family on Social Media

It’s good to remind yourself of all the things you’re teaching your children about privacy and safety on social media. Don’t fall into the perfection trap and don’t relay revealing information, such as that you’re preparing to go on a month-long cruise and your house will be empty for a month. Also, be wary of outing your children’s activities on open social media forums. Instead, keep the revealing information to private interactions with others — at least until after the fact.

We all love to cheer for our children and praise their accomplishments, but it’s equally important to safeguard their privacy and avoid posting photographs or information on their whereabouts, especially when they are away from your watchful eyes, to others.

Social media can be a blessing when used properly. You can find out how to get out grass stains from yesteryear, how to bake a holiday ham and reconnect with childhood friends. It can also pose a risk when you reveal too much information or the wrong information to those who have bad intentions.

Our mission is to not only help you safeguard your financial future with the payment plans we help you create. It is also to help you safeguard your family with practical advice like the social media tips above.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

National Insurance Awareness Day is June 28. It’s a great reminder to examine your insurance coverage, assess your risks, and consider any life changes that necessitate updating your policies. Once identifying your needs, you can comparison shop to get the best prices to aid you in your goal to pay down debt while still getting the right coverage.

What Kind of Insurance Do You Need?

You’ve been working hard to get yourself on strong financial footing. Paying down your debt is a fantastic commitment to reaching this goal. Unfortunately, accidents and disasters can come at the most unexpected time, and you want to be sure you’re protected. Consider how costly it would be to have to replace everything you own. Without adequate insurance and, more importantly, the right kind, you could lose any financial gain you’ve made and end up back in debt.

Review Your Insurance Policies

Insurance provides you with financial security in the event you or your loved ones suffer damage, illness, or death. Periodically review your policies to ensure you have adequate coverage but aren’t overpaying for premiums.

  • Determine what insurance you have and if it’s enough to cover any losses.
  • Assess risks and purchase or reduce insurance accordingly.
  • Understand what’s covered and what isn’t for home insurance (e.g. flooding is not covered in standard policies).
  • Look at your premiums and deductibles and see if they can (or should) be adjusted.

Sometimes people overpay for insurance, especially when it comes to their premiums. Periodically checking the policies you have can make sure you’re not spending more than necessary.

Consider Life Changes

  • If you used to commute to work every day but now work remotely, can you reduce your car insurance premium since you are driving fewer miles?
  • Did you welcome a new baby this year? If so, you might want to purchase life insurance to ensure both you and your partner are covered in the event a fatal accident occurs so the surviving parent has enough money to take care of your family.
  • Did you add or subtract any valuable possessions? If you’ve sold off any valuables, you don’t need to insure them, or if you’ve inherited anything of value, be sure it’s covered so you don’t suffer large losses in the event of a theft or fire.

Confirming you are paying for the right coverage is essential, you don’t need to over-insure, but you do want to make sure the most important areas of your life are adequately covered.

How to Find Better Insurance Rates

Insurance can ease financial burdens if a disaster occurs, and it’s important to be sufficiently covered while keeping within budget. Reviewing your policies helps to confirm you’re paying the right amount is essential.

  • At renewal time, check your declaration page to look at the coverage you already have.
  • Decide what type of coverage you need and, for auto insurance, what’s minimally required by law.
  • Obtain free quotes from at least three different companies, compare big national insurers and small local insurers.
  • Look at each company’s quote line by line to see exactly what’s covered.
  • Compare offers and ask if companies offer any discounts (e.g. bundling policies, affiliations, or good driving records).

There is no reason to be overpaying for insurance, yet many are. As an example, a study found Americans are paying a whopping $37 billion more for car insurance than they need to.

National Insurance Awareness Day is a good reminder to carefully evaluate your insurance needs and how much you’re paying. However, you can do this at any time of the year, along with routinely checking reputable online insurance comparison sites, such as Insurify and PolicyGenius. What’s most important is to pay for what you need without paying too much.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

Did you know that June 25th is Leon Day in the U.S.? Leon Day (Leon is Noel spelled backward), is the halfway mark to Christmas. That means you now have six months to prepare, financially, mentally, and spiritually, for the main event.

We are committed to helping you stay on track to meet your financial goals. With that in mind, our mission is to help you prepare, now, so that Christmas doesn’t take a bite out of all your hard-earned financial progress during the rest of the year. These tips should help.

Start Saving Now

Even if you already have a Christmas Club membership with your bank, it’s a good idea to remember that Christmas involves more expense than simply gift-giving. It’s never a bad idea to supplement those savings now. Plus, if you come across a perfect gift idea at an incredible price, you have the cash on hand to purchase the gift. Especially if you stash your monthly savings in an envelope or automatically transfer them into a separate savings account each month.

The SMART method is a great way to set goals for holiday savings. In order for goals to be SMART savings goals they must be:

  • Specific. Be specific about your financial needs. For instance, if you’d like an additional $600 beyond your Christmas Club money, that should be your goal.
  • Measurable. With only six months till Christmas, you know exactly how many checks you can expect between now and then. You need to make progress each month toward the final goal. If you are paid twice a month, then you can expect 12 paychecks between now and Christmas. You’ll need to set aside $50 from each check toward your goal.
  • Achievable. You don’t want to set a goal that is too ambitious. Keep it something you can achieve and live with for the next six months. Otherwise, you’ll blow it all about month three and go on a giant spending spree. It defeats the purpose.
  • Results-Driven. If you have a specific goal in mind, this is even easier. You can focus on the results and stay motivated along the way.
  • Time-Sensitive. Finally, you need a deadline. December 25th is the big day. That’s your deadline for saving your additional Christmas money.

While saving additional money to help reach your holiday spending goals is certainly wise, there are other ways you can make more of your money for the holidays as well.

Buy and Store Gifts Throughout the Year

For some reason, many people put off the gift buying process until it’s crunch time. That leaves you making questionable financial choices. It’s true that there are a lot of great sales around the holidays. However, there are also amazing sales at other times of the year when you may even be able to find better bargains. Keep an eye out for perfect gifts throughout the year, and it won’t be quite the same strain during the holidays.

Stick to Your Budget

One of the most important things to remember is that you should not derail your budget to spend on holidays. In fact, you may wish to look for ways to trim a little additional fat from the budget so you can stay on track for paying your bills and avoid increasing your debt in the process.

Try this easy tip… Stay on track by TRACKING your holiday budget and purchases. Setup a spreadsheet or notebook (whichever is your preference) and begin with your allotted budget. As you purchase items throughout the year, list them out with what you spent and who they are for. It is too easy to forget about a sweater you bought for Aunt Jane in July and that could cause you to outspend your budget as the holidays approach.


We understand that it can be tempting to overspend and go off-course as you prepare for the holidays. The earlier you begin the planning process, the better job you can do sticking to your guns and paying all your bills on time.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

June is not only the month in which we observe Father’s Day festivities across the country. It is also a month that has been set aside as Men’s Health Month. What better way is there to celebrate Dear Old Dad than by working to help him take care of his health.

The good news is that there is more than one health. That gives you a few great options to choose between. We’ll explore things you can do to take care of Dad for his mental health, physical health, and financial health.

Taking Care of Dad’s Mental Health

Your dad has been there for you through good and bad times throughout your life. Most often with a corny “dad joke” to commemorate the occasion. Now it’s your opportunity to return the favor.

Consider a wide range of “gag” gifts that are sure to get a laugh from your dad. It can be something super silly like a Road Rage Button complete with ideal traffic sound effects or a potty putting green kit for dad’s toilet time (and mom’s annoyance).

Or it could be something sincere like a Daily Devotion Book for dads or a gift subscription to the Calm app. The idea is to help your dad find some downtime in his life or reduce stress. These types of gifts can be ideal options.

Taking Care of Dad’s Health


Dad may be getting on up there in years, and you may be as concerned about his physical health as his mental health. Consider things you can do to help keep your dad fit and active well beyond Father’s Day and Men’s Health Month.

Even better, give dad gifts that will keep him active and spending time with you, like a state park pass that allows you to visit state parks in your state together for hiking, biking, fishing, and more. Consider going bird-watching with dad or spending a day at the lake. The goal is to keep dad active without making it feel like a lot of work for him. More importantly, you’re giving him the best possible gift, your time.

You might even consider giving your dad a fitness band and comparing stats daily. It gives you an opportunity to talk daily and lets your dad know you care.

Also, encourage your dad to take care of things like preventative health visits, vaccinations, and eating healthy. These things can extend not only your dad’s number of years but also the quality of life within those years.

Taking Care of Dad’s Financial Health


This one is a little trickier, but can be quite necessary. Especially if your dad is living on a fixed income. You might consider inviting dad to move in with your family if you have space. It may take some adjustments along the way, but can offer you both quality time together, while eliminating one of dad’s largest monthly expenses — housing.

Of course, you don’t have to frame the discussion as a financial one, but make it about the distance and reconnecting with dad as an adult. You’ll need to establish ground rules everyone can live with, but this decision may be a huge weight off your Dad’s mind and a massive relief of the financial burden living on his own provides.

If Dad appears reluctant or doesn’t accept the offer, let it go. Chances are that he is touched you made the offer but not yet willing to give up his personal sense of independence. He may reconsider in the future.

Don’t forget to mind your own financial health when making plans for Dear Old Dad. The gifts you give dad do not have to be expensive to matter greatly. In fact, your time and attention can be one of the greatest gifts your dad will cherish most.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

Raphael’s life went upside down in 2006 when he lost his job due to drugs and alcohol resulting in several attempts at rehab. After getting his life back on track with the help of a psychiatrist, he declared bankruptcy in 2012. As a result of the bankruptcy, he was offered a new credit card and decided he could use the help to re-establish credit.

Raphael and wife

When a series of events left him unable to keep up with his new credit card payments, Raphael began looking for ways to get relief from his new credit card debt. He found Century while he was looking to get a personal loan. After learning that he was not qualified for a loan, he was made aware of Century’s debt settlement program. Raphael realized this was a good program for his situation and enrolled. He liked the idea of reducing his estimated payoff time, that because of only making minimum payments, it would take more than a decade. “They estimated having this resolved for me within three years. So, I went for that,” Raphael said.

Raphael and family Raphael has been very pleased with Century’s customer service stating, “The program is excellent. If I wanted to know anything, I could call them and they could tell me.” When asked about his experience, he stated that “Everything has gone well and I’m satisfied with my program.” Raphael has also referred some of his friends to Century.

 

 

Congratulations on your program success, Raphael!
We thank you for trusting us to be a part of your journey toward better financial health and celebrate your diligence in staying with the program to make such great progress!

*We protect the privacy of our clients by changing their names and omitting any identifying details.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

 

Sometimes paying off the full balances of your debt simply isn’t possible. Settling your debt paying less than originally agreed, is better than leaving it unpaid, but it can still negatively affect your credit score.

When your debt settlement journey toward better financial health is complete, how can you work on rebuilding your credit?

Try these tips to bring your credit score up.

Set a Budget and Stick to It

A personal budget can help you from getting into debt again after a debt settlement. Include all of your monthly expenses so that you can better understand where your money goes and how you spend it. This will help you manage your money better so as you get new credit responsibilities you will have a plan in place to make your payments on time.

Regularly Monitor Your Credit Report to Stay Ahead of Problems and Errors

Checking your credit report on a regular basis allows you to make sure that paid or settled debt has been removed. It also allows you to identify and items on your report that are not valid or not yours. Yes, sometimes items on your credit report are inaccurate and some may not even belong to you, so it is in your best interest to check your report regularly. That way you can address any discrepancies quickly.

Become an Authorized User and Benefit from Someone Else’s Good Credit History

Do you know someone who has great credit and solid credit history? If so, see if they would add you to one of their established accounts as an authorized user. That can raise your score quickly but be aware that just as their credit activity affects your score, your credit activity affects theirs.

Begin to Rebuild Your Credit by Applying for New Credit

If you settle your debt and realize that you have no open accounts or very few accounts, you will need to get some credit. Gas cards and store cards are typically easier to get than traditional credit cards, but a secured credit card can get you started in the right direction. Just do what you can to begin rebuilding your credit.

Pay Your Bills in Full and On Time

Did you know that how you pay your bills makes up about 35% of everything that is used to determine your credit score? It’s true. When you pay your bills at least on time it counts as positive activity. When you pay in full each month, that will not only help prevent you from slipping back into credit card debt, it will also help keep you out of debt.

Keep Your Credit Utilization Ratio in Mind

Your credit utilization ratio is a comparison of the total of all the credit that you have available to you and the amount of credit that you are using. Many experts say that keeping it under 30% is important. The lower this number is, the higher your credit score will be.

Get a Small Personal Loan

Your credit score benefits from mixed types of credit. This means that having a credit card and either a mortgage or car loan, it will raise your score higher as long as you make your payments on time. Even a small loan can help.

Debt settlement is serious business. However, if you are looking at it as a way to avoid bankruptcy, it can help tremendously. Once you have settled all of your debts, you should resolve to always pay your debts, pay on time, and pay in full. That is the best way to stay out of financial trouble after you settle your debt.

 


Contact Century to Learn About Debt Settlement

If debt settlement sounds like it might be the right debt reduction strategy for you, contact Century Support Services. Century has helped hundreds of thousands of people settle debts that they otherwise couldn’t pay, and has saved clients a lot of time, aggravation and money in the process. To date, Century has settled more than $1.3 billion in debt and maintains a 94% satisfaction rating.

To get started, you’ll receive our free assessment and our Certified Debt Specialists will create a personalized program plan for you.

To learn more about the debt settlement process or if you have any general questions relating to how long does debt settlement take or how long will it take to recover from debt settlement, we’re happy to answer any questions.
Contact us today!

 

As many Americans have faced over the last 12 months, jobs are not always stable and consistent. Alan’s career has definitely been affected by the changes in the economic environment due to COVID. Having his hours reduced and being in and out of layoff status with his current employer, credit cards became the go-to for paying the necessities.

Alan and grandson

Alan discovered Century when searching for his options for debt relief online. After being on the program for almost a year, he has a clear path for hot to successfully complete his program in the next 12-18 months.

Alan commented recently to us about his experiences so far with the Century team. “I like everything that Century has done,” Alan said. “Their team has always been there for me. Whenever I called, somebody would answer and address all of my questions.” When we asked if Alan will be taking advantage of our client referral program, this is how he replied… I’m completely satisfied and will recommend Century to anybody that I know is in need of help.’

alan

We’re very grateful for customers like Alan. We wish him good luck on the remaining program. We here to support him and all of our clients with the best possible customer experience. Thanks, Alan!

 

 

Congratulations on your program success, Alan!
We thank you for trusting us to be a part of your journey toward better financial health and celebrate your diligence in staying with the program to make such great progress!

*We protect the privacy of our clients by changing their names and omitting any identifying details.