Financial Education and Outreach

CCCSMD Celebrated Financial Literacy Month!

The month of April is one of our favorites because it’s Financial Literacy Month! Last month, our staff and volunteers had their schedules jam packed bringing education and consumer awareness to the communities we serve.

How to Budget for Auto Expenses: A Simple Guide to Saving Money on Your Car

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Buying a new, or ‘new to you’ car is very exciting, though it can also be very expensive. We have assembled a few tips to save money, from driving at the speed limit to using the manufacturer's recommended fuel type. There are several simple steps you can take to help keep your car running smoothly and to reduce your overall costs.
man pretending to hold the sun as it sets over the ocean

Catch the FIRE: Financial Independence, Retire Early

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The key to achieving long term financial success is to balance your investments and business expenses with your income to ensure that you’re operating within your means. You may need to invest in a variety of products, services, tools and technologies to help your business grow, but these investments should always be made with a sound budget in mind.
man stacking coins in three piles

Can I Get Another Loan If I Already Have One?

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As of the fourth quarter of 2022, consumers held personal loans with an average balance of $11,116. Personal loans can be helpful when used wisely, but they can become a debt trap if not appropriately handled. There may be unforeseen circumstances where you find yourself in a situation where you need more money than your loan can provide. You may start wondering if you can take out another loan. This article explores whether you can obtain multiple loans and what factors to consider before taking on additional debt.

CCCSMD Now Offers Online Counseling!

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At CCCSMD, we believe you deserve quality financial guidance that is both convenient and easily accessible. This is why we recently launched online counseling, to supplement our in-person and telephone counseling services! You can now work online with a Financial Advocate to get personalized credit, debt, and housing solutions when you have a free moment.
Diverse family at the holiday table

Financial Success Amidst the Holiday Season

Regardless of what holiday your family celebrates, there are an abundance of gifts being exchanged during the month of December and the expense of all that gift giving can sneak up on you. If you’ve been working hard to stay on budget and gain financial stability this year, don’t let this season derail your progress. There are three things to keep in mind from now until New Year’s to stay on course to improving your financial health.
multi racial hands all in for teamwork

GetLifted Program

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We are excited to share that we have been selected to be a part of Capital One's GetLifted program! When we first heard about this program, we thought this was a fantastic way to bring financial education to the communities we serve.  In this article, we will explain all about the program, the volunteer positions we are looking to fill and how you can become a part of this exciting project!
CCCSMD Executive Team at September Board Meeting

CCCSMD Quarterly Highlights

The third quarter of 2022 brought lots of excitement and productivity to the CCCSMD team! Here are just a few highlights from the past few months.
couple buys house

How to Navigate Buying a Home with Student Loan Debt

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Consumers' first line of defense against frauds is awareness, which is why CCCSMD works to safeguard them. People most frequently associate scams with attacks on their identity or financial security, but as the amount of fraud rises, so do the attack strategies, and individual people aren't the only group being targeted. Scammers target businesses, especially nonprofit and volunteer organizations, and their actions can cause significant financial harm.

Fighting Fires and Financial Scams

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Consumers' first line of defense against frauds is awareness, which is why CCCSMD works to safeguard them. People most frequently associate scams with attacks on their identity or financial security, but as the amount of fraud rises, so do the attack strategies, and individual people aren't the only group being targeted. Scammers target businesses, especially nonprofit and volunteer organizations, and their actions can cause significant financial harm.

Saving Money with Electric Vehicles

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In addition to the fuel savings, EVs don’t require much of the typical maintenance needed for an ICE vehicle as they have significantly fewer moving parts. Electric vehicles also utilize regenerative braking to slow the car by putting energy back into the battery, which greatly reduces the wear and tear on brake pads and rotors.

Are You Living Within Your Business Means?

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The key to achieving long term financial success is to balance your investments and business expenses with your income to ensure that you’re operating within your means. You may need to invest in a variety of products, services, tools and technologies to help your business grow, but these investments should always be made with a sound budget in mind.

Planning for Car Insurance Costs and Changes in Premium Rates

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Most people don't think about car insurance until they have to and then it can be a huge shock to learn that rates went up. To help you prepare, here is some valuable information that can help you plan for car insurance costs and changes in…

Top 5 Methods for Bankruptcy Prevention

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Something urgent came up.  Someone got sick.  Something broke down. Someone lost their job.  Someone encouraged you to buy those new shoes you had to have! Then $100 of credit card debt turned into $500, and $500 turned into $1,000.  Before you knew it, your family was thousands of dollars in debt trying to recover from unforeseen circumstances. 

Board Member Spotlight – Gail Sanders

Gail H. Sanders is a native of Pittsburgh, Pennsylvania.  Upon graduating from Indiana University of Pennsylvania, she moved to Maryland to accept a teaching position.  After receiving a master’s degree from The Johns Hopkins University…