Advantage Advisor

Monthly Newsletter: April - 2024

Don’t Be An April Fool About Saving More Money

While a good laugh is always welcome, there is one area where being foolish isn’t so funny: your finances. Saving money is a crucial aspect of financial stability and security, yet many people overlook its importance or struggle to prioritize it. This April, let’s commit to being savvy savers rather than April fools when it comes to our money.


In This Issue

1. Surviving In An Expensive World: Budgeting Tips For High Debt Situations

2. Understanding The Pros And Cons Of Adjustable And Fixed Rate Mortgages

3. 5 Smart Financial Moves To Make With Your Tax Refund Money This Year

4. Clients Speak Out (Reviews)

5. Company News & Events

Recent Blog Posts

Surviving In An Expensive World: Budgeting Tips For High Debt Situations

In today’s economic landscape, with rising costs and stagnant wages, navigating through financial challenges can feel like traversing a maze blindfolded. For individuals grappling with high credit card debt, the journey becomes even more daunting.


Understanding The Pros And Cons Of Adjustable And Fixed Rate Mortgages

In the realm of home financing, one of the pivotal decisions prospective homeowners face is whether to opt for an adjustable-rate mortgage (ARM) or a fixed-rate mortgage (FRM). Both options come with distinct advantages and drawbacks, and understanding them thoroughly is crucial for making an informed choice.


5 Smart Financial Moves To Make With Your Tax Refund Money This Year

Tax season is upon us, and for many individuals, that means receiving a tax refund. Instead of splurging on impulse purchases, consider making wise financial moves that can positively impact your future. Let’s take a closer look at five smart financial strategies to make with your tax refund money this year.


Get A Free Debt Analysis

Get a free analysis of your debt, a budget breakdown, and a personalized 20+ page Action Plan for becoming debt free. It's all online, 100% secure, no obligations, and it only takes a couple of minutes to complete.


Money-Saving Tip:

Consider utilizing cashback apps or browser extensions when shopping online to earn money back on your purchases, effectively saving without much effort. Take advantage of loyalty programs offered by your favorite stores to earn discounts and rewards on your purchases.

Clients Speak Out

“Every single time I called, no matter who I spoke with, each person was extremely helpful, kind, and patient. I never felt like a burden for calling or that any of my questions were unimportant. Dealing with people every day all day, especially regarding money, could certainly be considered stressful. It could certainly try the patience of anyone. I have never experienced this as a customer with this agency. In addition, they always had an answer, a solution, or an idea. When it came time that we were able to pay off the debt in full, they were beyond helpful in making certain this happened efficiently and effectively. Best decision I've ever made with respect to paying off debt!”

~ Teresa R.

“I had a wonderful experience. Anytime I ever had a question or concern it was answered and handled in a very prompt way. Also, everyone that I dealt with was both professional and kind. Thank you!”

~ Barbara B.

“Great program that helped me pay off $70k of debt in only 4 years!” 

~ Susan I.


Shining A Light On Our Best Assets

Employee Spotlight

Heather Murray

Heather is the Vice President of Advantage and oversees the agency’s housing counseling services, regulatory compliance, and partner relationships. She also supervises the Allegheny County Financial Empowerment Center, which Advantage operates in partnership with Neighborhood Allies and Allegheny County. Heather has been with the agency for 16 years. In her spare time, Heather loves to read and spend time with her husband and two teenage children. Her obsessions include her mini-golden doodle, Bear and the Hallmark Channel.

Service Spotlight

Debt Management Program

If you are struggling with credit card debt or any other unsecured debts, Advantage is here to stand up for you as your advocate, helping you achieve financial freedom. Our certified credit counselors are experts in creating a personalized debt management program, and they’re ready to create one made just for you. Debt management plans will include a money-spending plan based on your income, expenses, and lifestyle, which will help you manage the debt you have today and the money you’ll make tomorrow. Debt management is an affordable and easy way to recover from all of your unsecured debts.


Company News & Events

Program Support Specialist

Are you local to the Pittsburgh area and interested in joining the AdvantageCCS family? 

Advantage is hiring for an in-office position on our Program Support Team. This person will be based out of our Southside office and will work a Monday through Friday daylight schedule. Advantage offers medical, vision, and dental benefits, plus paid time off, and a retirement plan. 

Please click on the link below for more details, and if interested, please send your resume to Heather Murray at

Financial Program Support Specialist Jobs (NOW HIRING) in Pittsburgh, PA (


Phone: (866) 699-2227

Fax: (412) 390-1336

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Disclaimer: The information provided is for informational purposes only. The materials are general in nature, and are not offered as advice or guarantee, and should not be relied upon without advice from an attorney or a financial advisor. Reading the information does not constitute a legal contract, consulting, or any other relationship with Advantage Credit Counseling Service.