Assisting Loved Ones with Their Bills

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2 days ago

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Congrats,and thanks!

Congratulations

Congratulations!!

Congratulations

Congratulations

God Bless you guys always

Congrats 🙏

Stay safe!!

Be safe!

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2 days ago

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Congratulations good luck and Gods Speed be safe

Congratulations to you all

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Congratulations be safe!

CONGRATULATIONS.!!!! BLESSEDS

Congratulations

Congratulations 🎊 👏 💐 🥳 🎊

Congrats

Congratulations. Stay safe

Welcome aboard!!!👮🏻‍♀️👮🏻‍♀️👮

Good to hear

Congratulations dear lord PLZ keep them safe out there protecting this evil world🙏🙏🙏🫡💙💙💙💙🙏🙏🙏🙏

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Congratulations.

Congratulations and thank you for your many years of service. Enjoy retirement and stay safe.Image attachmentImage attachment

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Congratulations

Congratulations

Blessings to you!

Congratulations 🎊🎈

Congratulations

COBGRATULATIONS!!!!! Blesseds

Congratulations n enjoy retirement salute sir 💙🫡🫡🫡🫡

Thank you ,and STAY SAFE!!

Enjoy!

THANKS HERO

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That's awesome! Congratulations!!!!!!Enjoy your retirement..

Congratulations good luck and Gods Speed be safe

Thanks for your service ! You are wonderful people,! Love to all !!,

Best wishes. 🙂

Congratulations

Congratulations 🎊🎉🎈

Congratulations Thank You for your service ENJOY Your RETIREMENT 👍👮‍♀️🙏

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That's awesome! Congratulations!

Congratulations Sergeant Michael Liebau.

Congratulations

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Salute and Honor

Congratulations !

Thank You for your Service

Enjoy Retirement! 🙏🍀

Congrats bud, now enjoy yourself

Congratulations, thank you for your service and God bless you. 💙🇺🇸💙

Enjoy ur retirement 🎉🙏🙏🙏💙💙💙

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3 days ago

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God bless you JAMES MENDOZA, PLEASE SUPPORT

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4 days ago

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Thank you for your service K9 Dutch! Enjoy your retirement. Back the Blue 💙

Thank you for your service

Thank you for your help.

Ty for your service xoxo

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💙 Happy Retirement K9 Dutch 💙 thank you for your service ❣️

Thank You for your Service and Dedication ! 🇺🇲🐾🖤🐾🇺🇲

God bless you 🙏🙏🙏🙏❤️🫡🫡🫡

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Welcome and thank you! Stay safe.

Welcome and thank you! Stay safe.SWEARING IN CEREMONY
Public Safety continues to be our top priority in Shafter! Yesterday, we swore in Police Officer Berumen and welcomed her to our Shafter Police Department Family. Officer Berumen comes to us from another agency with five years of experience. Welcome again Officer Berumen to the City of Shafter.❤️🇺🇸❤️🇺🇸 #Shafter #Community #PublicSafety #SmallTownBigHearts #MakeUsProud Shafter Police Department
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Congratulations!!

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Congratulations n thank you for ur service Sir 🎉💙💙💙💙🙏🙏🙏🙏🙏👍

Thank you for 24 years of service!

Thank you for 24 years of service!Congratulations to Officer Charles "Chuck" Porter on retiring after more than 24 years of service to the Olathe community. Well done, sir. You will be missed!
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4 days ago

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Congratulations Officer !! Keep up the outstanding work. Stay Safe Officers.

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5 days ago

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Congratulations 🖤💙

Salute💙🫡🫡🫡🫡🙏🙏🙏🙏💙

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Congratulations and watch your back!👮‍♀️👮‍♀️👮‍♀️

Congratulations 🎈🍾🎊

Congratulations everyone

Congratulations 🖤💙

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God bless you.

Great

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Congratulations everyone

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1 week ago

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Congratulations good luck and Gods Speed be safe

Congratulations

Congratulations!

God bless n protect !!

👮‍♀️👮‍♀️👮‍♀️👮‍♀️💙💙💙👍👍👍👍

Congratulations God Bless the Blue 🙏🙏🙏💙🫡🫡

May Gods bless them and keep them safe.

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Assisting Loved Ones with Their Bills

First, if you are going to accept the responsibility of helping someone pay their bills when they are unable to do it themselves, make sure you do right.  The last thing you would want is to have the right intention, but end up making a difficult situation worse.

To take on this responsibility and set yourself up to do it successfully, you need to gather all of the necessary information in order to get a handle on the task.

Bills show up in a variety of ways and times.   By mail or electronically, sometimes even by text.  Monthly or quarterly.  Sometimes they are attached to a credit card.  Find out what bills there are and when and how they are being received and be thorough when doing so.  While you are at it, try to make a list of contact information in case you need to reach out to any of these businesses to make them aware of the situation or simply to ask for assistance.

Determine any other payment responsibilities.  Are there membership dues to pay?  If the person is a renter, what utilities are their responsibility?

Once you have gathered all of this information, put it all together on a spreadsheet or use a system that you are comfortable with even if it is pen and paper.  The important thing here is to develop an accounting of every bill, it’s due date, and where to look for it.

Once you have done that, take a look at the bills for legitimacy and applicability.  Let’s assume everything is accurate and being billed from a legitimate source.  Are there bills or services that are no longer applicable due to the situation of your loved one?  Might some of the services be cancellable?

Next, you definitely need to make sure that you have access to the funds that are necessary to pay these bills.  Is your loved one using an on-line banking account?  Are there multiple accounts or one centralized account?  Do you need to transfer funds from a savings account to a checking account in order to cover the bills?

Lastly, keep good records of the bills you pay and the transactions you complete on behalf of your loved one so that you can either clearly show them what you did on their behalf and/or work with the necessary parties to ensure you have been transparent, organized, and clear in your actions and decision making.  If your loved one had an organized system for paying the bills and it makes sense to you, go ahead and keep using it.  Either way, be sure to create a paper trail for your actions.

For additional tips and assistance with all of your budgeting needs, please contact the Credit Union’s Financial Planning and Education Center, which  offers FREE AND CONFIDENTIAL Credit Counseling for members and your immediate families. Our Credit Counseling services are led by our Trusted Business Partner, Certified Credit Union Financial Counselor Gwendolyn Hawkins, who has been assisting our members in Law Enforcement with their Credit needs for over 25 years.

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

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