Financial Readiness Program
Financial
Planning & Consumer Affairs Services - Financial Planning and Consumer Affairs  Services are offered to help Soldiers and their Families develop and maintain a realistic Family budget, reduce debts, improve their credit, plan for the future through savings and investment, and resolve consumer complaints. The program offers regularly scheduled classes on budgeting, checkbook management, and financial management. Classes are also offered for units in all areas of financial planning.
Individual
Counseling - Individual counseling is available for Soldiers and Families requiring or wishing to receive personal assistance. To sign up for a scheduled class or to schedule individual counseling, call 315-772-0050/5196.
Special Classes - In addition to routine classes and individual counseling, our staff is availabletoteach the financial readiness classes required by AR 350-1 or to present a special class to groups such as FRGs, NCOPDs and OPDs. To arrange a special class, call 315-772-0050/5196.
Budgeting &
Checkbook Management - Classes are offered to assist military Families in the creation and management of a sensible budget. Spouses are welcomed andencouraged to attend. Pre-registration for classes is appreciated. Please call 772-0050 to sign up. For a current list of upcoming class dates, please check the Fort Drum Financial Readiness facebook page or the ACS page of The Preview.
Financial Counseling (by appointment)
· Budget Counseling
· Debt Liquidation Counseling
· Overall Financial Planning
· Basic Investment Planning
· Retirement Planning
. Credit Counseling
. Credit Reports
· Family Subsistence Supplemental Allowance (FSSA)
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If you find yourself in the position of considering loan consolidation, you may be headed for financial difficulty.
The following are danger signs: |
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More than 20% of your take home pay is used for credit payments (excluding home mortgage). |
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You have one or more loans from a lending company(ies) at 18% or more interest. |
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You use credit cards impulsively. |
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You routinely use your overdraft protection. |
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You do not pay your bills on time. |
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You pay only the minimum amount down on your charge accounts each month. |
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The use of advance check cashing and pay day loans is part of your regular budget plan. |
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Your car loan is financed at 12% or more interest. |
If one or more of the above describes you or your spouse, don't wait! Stop by ACS, Bldg. P-4330 or call 772-0050 and schedule an appointment with a Financial Counselor. |
Helpful Tips:
1. Obtain a yearly credit report. The three major companies are:
TransUnion Corporation (800) 916-8800
Experian (888) 397-3742
Equifax (800) 685-1111
2. If you want telemarketers to stop calling your home, register with the “Do Not Call” Registry.For the Federal Government contact http://donotcall.gov/default.aspx or call 1-888-382-1222 from the telephone you wish not to be called. New York State can be contacted by calling 800-697-1220 or online at www.consumer.state.ny.us
3. For every pre-approved credit offer you receive, an inquiry has been made into your credit report. The number of “hits” on your account may work against you. To exclude your name from a list of prescreened names for a two-year period, call the OptOut Request Line at 888-567-8688.
4. ACS Financial Readiness Program helpful links:
www.feedthepig.org
www.financialentertainment.org
www.militarysaves.org
www.saveandinvest.org
www.ftc.gov
www.annualcreditreport.com
www.treasurydirect.gov
www.mymoney.gov
Contact Information:
Army Community Service
Financial Readiness Program
P-4330 Conway Rd
315-772-0050/5196 or 1-800-826-0886 ext.6894
usarmy.drum.imcom-fmwrc.list.mwr-financial-readiness@mail.mil
The Hours of Operation for each facility are listed on the Directory page.
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