UFS-DebtManagement.com is dedicated to consumers with debt. Our purpose is to provide financial educational material to the public with the purpose of helping to maintain a balanced budget as well as understanding laws and trade practices and advice on reducing credit card debt.

The President signed into law H.R. 627
("The Credit CARD Act of 2009") as Public Law 111-024.

The information for "The Credit CARD Act of 2009" was provided by:
AADMO - American Association of Debt Management Organizations

Welcome to Third of our 2009 series of United Financial monthly newsletters. In this addition we discuss Beneficial Financial Tools!

As the average debt in the United States increases daily, many Americans are seeking a better way to manage their personal finances. Have you ever surfed the Internet trying to figure out easy ways to manage your finances? There are so many options. There are numerous free financial tools available to all of us, however you must learn how to take advantage of them. Throughout this newsletter we will cover various ways to help you secure your financial situation.

01.  Money Management Tools
02.  Investing
03.  Investment Options Over The Years
04.  Retirement Planning

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Each month we will bring you a different important topic on issues that affect your every day lives and advice and facts on getting out of debt. Our topics will be Outlined and these topics will be covered each month.

2009 United Financial Newsletter Topics

January - Credit Card Updates & Consumer Profiling

February - Helpful Government Programs

March - Managing Personal Finances

April - Tax Tips & Planning

May - How to Increase Income

June - Beneficial Financial Tools

July - Homeownership Difficulties

August - Saving Money on Children, Weddings & More

September - Recent Financial News & Updates

October - Home Buying or Selling

November - Car Buying

December - Financial Overview of the Year

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For our local consumers, every Thursday United Financial offers FPL seminars at the Salvation Army located at:

1901 W. Broward Blvd.
Fort Lauderdale, FL 33312

We offer tips and ideas on cutting costs and energy efficiency. If you are struggling with your finances, our seminars can provide benefits such as, tips on saving money or budgeting, credit scoring and how to receive a free credit report.

FPL offers a program designed to help qualified people receive free electric during financial hard times. Attendance at our seminar is mandatory in order to qualify for the FPL benefits and you must be approved by FPL for hardship. For more information please contact us at:

Salvation Army for their clients 2 times a month at 6:30 p.m
Salvation Army for FPL clients every Thursday
Gateway to Recovery: The first Tuesday of the month at 2:00 p.m

Gateway to Recovery, Inc.
660 Linton Boulevard, Suite 112
Delray Beach, FL 33444-8201

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Money saving advice that can help you weather tough times and spend less on everything

In today’s economy, consumers are being squeezed at both ends: On one, by higher prices for staples like food and gas; on the other, by dropping interest rates on savings, disappointing stock market performance, and meager or no salary increases. If you’re having trouble keeping within your budget, this is a good time to review your spending to find ways to cut costs without denying yourself too many of life’s pleasures. We looked at ways to trim your spending in a number of areas. Read on for our favorite belt tightening tips. For more money saving measures from CR Experts, see Smart Moves for Tough Times.

01.  Groceries
02.  Automotive
03.  General merchandise
04.  Utilities
05.  Phone, Internet, TV
06.  Personal finance
07.  Insurance
07.  Health care

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We would like your input as to what topics you would like covered for our monthly newsletters. Please email us your suggestions to .

Click here to visit our:

2005 News Topics | 2006 News Topics
2007 News Topics | 2008 News Topics

United Financial Systems Inc, has been conducting monthly seminars on financial education. Please join us! To reserve your seat contact our Education Team at (561) 883-2398

Spanish Consolidation Services | Budget Planning | Bankruptcy Issues
Credit Reporting Topics | Your Rights as a Consumer | Dealing with Creditors