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Show f Business Debtor telesupport groups offer guidance and support How you handle your money could be a sign of deeper issues. "Money problems are never about the money," said Steve Rhode, president and of Myvesta.org, the nation's only financial crisis and treatment center. Money behaviors and disorders come in many forms. "Some people are con stantly spending money on material items to impress their peers, others feel their own is based upon material goods," Rhode said. "Spending money and acquiring new items fills a void in many people's lives, it cheers them up or provides a false improvement of their self image." self-identi- ty er tions," Rhode said. "Anyone who feels stressed out over money issues, is a compulsive spender or whose money behaviors have had drastic effects on personal or professional relationships can benefit from programs like this. We help people with money issues realize they don't have to be victims to their destructive money To help people tackle the emotional issues that money problems can cause, Myvesta.org has created call-i- n telesupport groups available to people across the country. "Our goal is to provide a caring, compassionate environment for people to share their problems with others who are in similar situa groups meet once a week via conference call and are designed to help those with compulsive spending, money or debt issues. behaviors and understand they are not alone." According to a national survey by Myvesta.org almost 50 percent of people in debt are depressed. "People in financial trouble experience much more grief than an empty wallet, many times there's an empty feeling inside," Rhode said. Myvesta.org's telesupport Friends and family members of those struggling with money problems also are encouraged to enroll. To learn more visit Myvesta.org. Beating the holiday debt cycle Study Reveals: employees believe that communication is poor in their organizations months." Kidwell suggests making a plan of action and tracking spending habits for at least one month to determine how money is spent by a consumer. 'Track your cash for at least a month, writing down everything you buy so you know exactly where you money is going," Kidwell said. "Then you can make informed decisions on how to spend your money and how much you can afford to send to your creditors. If you don't think' you have the discipline to do it on your own, don't be afraid to seek professional help." Kidwell recommends taking some time to figure how much of your holiday purchases ended up on plastic. "After all your bills have According to a survey conducted by Myvesta.org, the average holiday shopper planned on spending $773 on holiday gifts in 2001. If those gifts were paid with credit it would take 15 years for the consumer to pay off the debt if only the minimum payment is made, and end up costing more than $1 ,200 in interest. The interest calculation assumes a 2 percent minimum payment and an annual interest rate of 10 percent. "Even if you went a little overboard on gifts you don't need to be paying on the debt for years to come," said Mike Kidwell, vice of president and Myvesta.org. "With some simple planning and discipline you can pay off those debts in as little as six er arrived, total them up and see exactly what you have spent. Take that amount, divide it by 12 and save that amount of money every month until next years holiday season. That way you'll already have the cash to pay for your gifts and you won't have to chaige them." Myvesta.org is offering a - publication on dealing with holiday debt called "Avoiding Headaches" It covers paying off holiday debt, tips on keeping your holiday expenses down and ways to better manage debt lead. The publication can be downloaded on the internet at www.myvesta.org Founded in 1994, Myvesta.oig is the nations it financial crionly sis treatment center. Seven out of every ten employees believes that the flow of communications is poor in their organizations, according to surveys conducted by The Discovery Group, a management consulting firm specializing in assessing employee opin- Post-Holid- ions. This result is based upon studies conducted in 56 organizations during the past several years. More than 50,000 employees were surveyed from a variety of d manufacturing and service organizations. "Important information rarely cascades down U.S.-base- non-prof- knows as well as and whenever possible." do-kno- smoothly through organizations," says Dr. Bruce Katcher, an IndustrialOrganizational psychologist and author of the study. Dr. Katcher adds, "It is important for senior managers to skip the middlemen when communicating important information to employees, communicate don't- - These and other suggestions are explained more fully in a report titled "How to Improve Hierarchical Communication" that can be accessed on the web at http:www.DiscoverySurvey s.comarticlesitw-23.htm- . 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