Financial counseling is performed by financial counseling professionals, often employees of a nonprofit organization organized to assist clients in financial difficulty on a one-to-one basis. Clients are helped to resolve problems that impact their financial well-being, to make decisions that have financial implications for life now and in the future, to improve their financial management, to handle difficult transitions, and to improve functioning in the consumer market and/or legal systems by handling financial or consumer collections and other dilemmas. Financial counseling utilizes information and skills to assist clients in changing behaviors in resource management, consumption, lifestyle, and communication in order to obtain and maintain increased financial security. (more…)

Financial counseling is assisting clients in the development and creative use of all their resources to achieve economic financial security or well-being by generating alternatives from which the client chooses. Ultimately the client is assisted to improve quality of life with less wasteful resources. The processes are: (more…)

Regardless of where you seek financial advice one word is sure to appear regardless of the source- budget. While many people cringe when they hear the “b” word tossed around it is not something that you should avoid. A budget does not necessarily mean you have to give up all the little things that you enjoy. Instead having a sound financial plan (a budget) in place you are actually in a better position to save more money and spend where it really matters. (more…)