Los Angeles Federal Credit Union Click to Access Credit Counseling Info.   Click to Access Your Accounts Online with e-Branch     INTRODUCTION   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN •   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT Your greatest opportunities for reducing spending are in categories you marked as unnecessary or where you overpaid. Question why you made those purchases and how much satisfaction they have provided. Where can you reduce spending and by how much? Next, set goals to reduce or eliminate nonessentials to save for your goal. Looking for some ideas? Click here for ways to reduce spending.

© 2003-2012 Credit Union National Association Inc.