Inflation – Fight Back! How to Prevent Foreclosure
Enough of these cost increases. You’re mad, and you’re not going to It’s hard to get through the day without being reminded of
take this anymore! You can combat those high prices for gasoline, families devastated by foreclosure. Because your home is
food, and other expenses with these knockout blow tips. probably your most valuable asset, you need to review
your financial lifestyle and be sure that you are not going
Save on gasoline to be the next housing victim.
Ration that fuel with careful trip planning and carpooling to the office Keep a budget. Your budget is your framework for
or other activities. Increase your mileage with properly inflated tires. managing your money. It helps you stay on track so you
Pump less gas by filling up in the morning or evening when it’s cooler never fall behind on mortgage payments.
(less volume). Save money on every gallon by checking out
Scale back when times are tough. If beset by
raleighgasprices.com or by using a rebate credit card, like the
adversity, respond immediately and cut your discretionary
chase.com Freedom Card that gives 3% rebates.
purchases. Always make sure that you have enough to
cover the mortgage, even if some other bills are late.
Lower your food bill
Talk to your lender. If you do get behind in payments,
Spend less at the grocery by
pick up that phone. At the early stages of delinquency,
shopping for store-brand
your lender may have a variety of remedies and workout
cereals and staples, or go to
plans available to you.
an all-generic food store like
Aldi (aldi.us). Try cheaper dry Re-evaluate your housing. If you continue to fall behind
milk for baking or mix it with on the mortgage and other bills, decide if your situation
your regular milk in cereals. will ever improve to the point where you can comfortably
Look for the day-old display make regular payments. If not, consider cheaper housing
of bread, cakes, and other alternatives and plan to put your home on the market.
items sold at deep discounts.
Come in for counseling. At any stage of a mortgage
If you’re at least 55, shop at
crisis, come in to see us. We are a HUD-approved agency,
Kroger on Tuesdays for a 5%
and are equipped to deal with the numerous federal and
discount. Make large batches
state programs designed to help homeowners. We may be
of soups, stews, and
able to help by reviewing your budget, suggesting ways to
casseroles (think crock-pot)
save money, and helping you prioritize your bills. If credit
to freeze into convenient
cards are a problem, we can set up a debt management
portion sizes. Buy a turkey or
plan that may lower your payments and interest rates. If
ham, slice up the leftovers,
your mortgage is delinquent, we may be able to help you
and freeze for future brown
negotiate a workout or restructuring agreement that
enables you to save your home. All these services are
free, thanks to federal grant money. You just need to
Spend less when you go out make an appointment by calling 919-821-1770.
Order water at the restaurant (with lemon) and save on beverage
costs. Eat out at lunch instead of dinner and slash your bill. Rent a
movie for $1 at a local Harris Teeter or Lowes Foods redbox.com kiosk,
Who We Are
make your own popcorn, and settle in for the night without the
babysitter. Spend your free time with a good book from a thrift store Triangle Family Services is a private
for 50 cents or get a whole box for $5 at the Wake County Library United Way non-profit agency. We
annual book sale. Walk or hike in the fresh air at the local park or have served the physical, emotional, and financial
greenway for good conversation, exercise, and fun. needs of the greater Raleigh community since 1937.
Our programs focus on family safety, financial
security, and mental health. Our Consumer Credit
Clark Howard to the Rescue Counseling Service is accredited, with agency and
counselor certification from the National Foundation
If you can’t get enough of the tips we publish in this newsletter, try
for Credit Counseling. Our agency is HUD-approved for
listening to Clark Howard, the nationally syndicated talk show host
homebuyers and homeowners, with counselors
tightwad, who will bring you 3 hours of savings and investing ideas on
certified by The Association of Housing Counselors.
680 AM in the morning and on 101.1 FM in the afternoon. You can
This newsletter profiles some of the financial services
check out his website at clarkhoward.com, and even get advice from
that we offer.
Team Clark (volunteer staff of 100) by calling 404-892-8227 Mon-Fri.
Public Workshops for 2008
Sessions are held at our agency offices in Raleigh or Durham, except where noted. All sessions are free, but require advance
registration by calling 821-1770 x307. We also offer the same workshops to churches, civic groups, schools, and corporations. Invite
us to speak to your group: call Joe Paradise at 821-1770 x309 for more details or to set up a presentation.
Topic Description Time Raleigh Durham
First Time Essential info from our counselors, a mortgage lender, a realtor, and a 9:30-4 PM 5/17, 7/19, 5/3
Homebuyer home inspector. Certificate issued. Workshop held at the Church of the 9/13, 11/15
Workshop Good Shepherd, 125 Hillsborough St, and in our Durham office in May.
Cars: Here’s How to buy, maintain, and sell your auto, research and negotiate, 6-7:30 PM 9/23 9/17
the Deal compare new and used car deals, and stay away from the repo man.
Identity Theft How to protect yourself from thieves who can steal your SSN or credit 6-7:30 PM 11/18 11/19
card number and wreak havoc on your life.
Ways to Save Lots of ideas on how to save the big and small bucks on your house, car, 6-7:30 PM 5/20 5/21
Money cable, food, and everyday purchases.
Investing Learn the basics of cash, CDs, stocks, ETFs, bonds, and mutual funds for 6-7:30 PM 6/24 6/18
Basics investing in your 401k or taxable account.
Financial Classes for parents & teens. Covers the basics: saving, Parents only 6-7:30 PM 7/16
Teen Talk budgeting, pay stubs, buying a car, loans and credit. Parents/teens 6:30-8 PM 7/22
Credit Everything you need to know about credit cards, credit reports and 6-7:30 PM 8/26, 12/16 8/20,
In-Depth scores, and repairing and rebuilding your credit. 12/3
$$$ Happily For engaged couples, newlyweds - anyone sharing financial obligations - 6-7:30 PM 10/28 10/15
Ever After get your budget/credit issues in order and your relationship will benefit.
Bankruptcy Required post-filing instructional course for Chapter 7 filers. Certificate 6-8 PM 5/13, 6/10, 7/8, 8/12,
Education issued for $20 fee. All classes held in Raleigh office. 9/9, 10/14, 11/11, 12/9
Durham Open House May 21
We’re holding an open house at our new Durham location (201 West Main St, 2nd floor, Suite 202G). Stop by for refreshments and
information – learn how our agency has established a new presence that will serve the financial counseling and education needs of
the local community. The event starts at 5 PM, with a free Ways to Save Money workshop scheduled at 6 PM. We’ll have raffle
drawings periodically through the evening – you must be present to win. Attendance is open to the general public, but you need to
RSVP to 919-821-1770 x307. Go to our website at tfsnc.org for more information.
This newsletter is brought to you by Triangle Family Services, a community resource for physical, emotional, and financial well being.
Download previous newsletter editions from our web site. We are in downtown Raleigh (4 blocks west of the State Capitol bldg., at
the corner of Hillsborough and Harrington St.) and in downtown Durham (we’ve recently moved to W. Main St. adjacent to the
Corcoran St. parking garage). We offer financial counseling appointments each business day, starting at 9 AM, with some evening
slots available. Appointments can be in person or by telephone. Give us a call at 919-821-1770.
Triangle Family Services
401 Hillsborough St., Raleigh, NC 27603
201 W. Main St., Suite 202G, Durham, NC 27701 Open House
(919) 821-1770 (800) 283-6904