Services

The road to financial freedom starts with a budget. You might not have thought about it this way but planning your spending is a lot like planning a trip. Without a plan you will be lost!

A budget is simply a written plan for spending and saving to help guide you to financial success. The goal of a good personal financial plan is to create financial security over time. Establishing a personal budget is a great place to start!

Are you living paycheck to paycheck? paying the minimum on your credit cards? afraid to add up all of your debts?

We Can Help

It may be difficult to see a solution and almost impossible to move past your fears if you are swimming in debt. You have tried to follow a budget but that hasn’t worked. You may even be contemplating bankruptcy.

Your personal financial counselor and accountability coach can provide you with the guidance, ongoing support and accountability needed to manage your finances with confidence.

Together, we will assess your current financial situation and address methods to repay debt and establish savings through one or more of our programs.

30-60-90 Day Budget Management Program
Personal Budget Management for clients who are committed to creating and living within a realistic budget. Service includes assessing cash flow (negative or positive), debt to asset ratio and a solvency review. With the guidance and support of your financial counselor, you will construct an operating budget and establish written financial goals.

You will make progress in your very first 30-minute strategy session as you complete the cash flow assignment. You agree to faithfully participate in scheduled meetings for the number of days that you choose (30-60-90). Meetings can be held in office, by phone or via video conferencing.
Reorganization and 30-Day Budget Management Program
If your debt requires restructuring and refinancing, we will work with you and your banker/attorney/CPA to achieve this result. If you select this option the 30-Day Budget Management Program is included. Meetings can be held in office, by phone or remotely via video conferencing.
Settlement Option
If a decision is reached with you and your banker to proceed with offers of compromise we will negotiate with your creditors to reach settlements. Upon receipt of acceptance letters from the creditors, funds will be forwarded to the creditors from your bank. Meetings can be held in office, by phone or remotely via video conferencing.
Single Issue Phone Consultation
There are times when a calm voice of reason is needed to weigh in on a specific issue that a non-client would like help with. We can fill that role by phone or remotely via video conferencing.

Services

Are you living paycheck to paycheck? paying the minimum on your credit cards? afraid to add up all of your debts?

We Can Help

30-60-90 Day Budget Management Program

Reorganization and 30-Day Budget Management Program

Settlement Option

Single Issue Phone Consultation

Learn More

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