Harbour Credit Counseling Services, Inc

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Very impressive site. Charts, budgets (though he likes to call them "Spending Plans".) Detailed explanations of how to split out your expenses and pay debts off systemmatically. Uses graduated modules to progress from debt to excess cash flow. Really encouraging newsletter materials. Strong points on career improvement during this economic pitfall.

Very comprehensive strategies for getting out of debt and getting on with my life. Using it with office staff to encourage money management and career paths.