Take Charge Quick Tips Financial expert Ryan C. Mack offers quick tips to help you save money, protect your credit, boost your tax refund and more. If you have a topic you’d like us to address, email us at TakeCharge@1199Funds.org. Tips on Saving No-Spend Day Once a month challenge yourself to not spend a dollar on anything. Pack Your Lunch Take those savings and put them in your retirement account. Tips on Credit Write Out Your Debt So you can pay off your debt. Pay More Than the Minimum Pay less interest to credit card companies and put that money towards your savings. Check Your Credit Report Free at www.annualcreditreport.com. More Tips Earned Income Tax Credit Free money! Visit our Earned Income Tax Credit page to find out more. Retirement The 3-legged stool of retirement: Pension benefits, Social Security benefits and your savings. Audio: Take Charge of Your Finances Empowerment through financial literacy starts in your mind. Update Your Beneficiaries Who will you leave your money to? Know Your Net Worth Your assets minus your liabilities. The Benefits Channel Sign up for webinars and browse our video library for information on protecting your health, applying for your pension benefit, boosting your financial wellness and more.