Money Management

3. PFM counseling services are not a bill pay service, and are not solutions to those who are considered __________.
4. This counseling service helps members identify savings goals and assists in developing a plan to reach those goals.
5. PFM services are voluntary and ___________.
6. This counseling service helps members get educated on personal finance management and helps members develop their money skills to avoid future budget problems.
7. Anyone can receive one free copy of their credit report every 12 months from each credit bureau at www.____________.com
9. PFM counselors can also help members analyze and understand their ____________ and suggest ways on improving their credit rating.
10. This counseling service assists members in a financial crisis, helping them to regain control of their finances.
11. When speaking with a PFM counselor, members should allow at least ____________ minutes to discuss their current financial situation.
12. Members can view the free events calendar on NFO and sign up for different kinds of financial ______________.

1. Members can get educated on money management by visiting NFO and clicking on the _______________ tab, then selecting Managing Your Money.
2. ______________ Works! is a free publication, available for download on NFO, that contains valuable money management tips.
7. The Managing Your Money page has many _______ to read up on keeping up with your finances, loans, credit, and more.
8. _____________ counselors are available to assist with member's money management needs.