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 first edition of our 2010 series of United Financial monthly newsletters. In this addition we

Provide you with money saving tips for
Home, Car & Entertainment

It is no surprise that the American people have felt the backlash of the current struggling economy in more ways then one. It is difficult for the average person to significantly cut back spending habits without changing the day-to-day lifestyle people have become accustomed to. There are many different ways you can turn your financial hardships around with some simple steps that will help you and your family save money in 2010.

These steps may seem small and insignificant, but they will help your bank account considerably when it comes to making everyday lifestyle choices and cutbacks. These simple steps include:

Household Money Saving Ideas
Cutting Costs on Entertainment
Eliminate or Reduce Costs on Cars
Tips to Save Money on Insurance

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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. Topics to be announced!

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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 .

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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