Credit Counseling – Getting Your Finances on Track

Jeanne McTaggartChristian Credit Counselors

Good people sometimes have bad financial things happen to them, knocking them off track. With Christian credit counseling, you can get your financial life back on track even if you have maxed out your credit cards. A trained credit counselor will guide you through the debt consolidation process if you have what seems like unmanageable credit card debt. You’ll also learn how to budget and plan for the unexpected. According to an article by U.S. News & World Report that cited a Voya Retire Ready Index, 17 percent of people planned for retirement. Half of workers have less than $50,000 saved for retirement. Of course, the closer you are to retiring, the more serious it is to lack retirement savings and carry too much credit card debt. To get you going in the right direction, credit counseling helps you set financial goals, pay back debt as part of a budget and understand your attitude toward money.

Figuring out your financial goals

To get where you need to go financially, you need to know what you want. If your goal is to get out of credit card debt, one positive solution is to consolidate debt through a structured Debt Management Plan. Let the professionals at Christian Credit Counselors negotiate on your behalf with your creditors so you achieve lower interest rates. Other financial goals to include in your financial life plan include saving enough to retire by a certain age, buy a home or pay for your children’s college.

Preparing a flexible budget

One of the mistakes people make is having a budget that can’t bend when situations change. With Christian credit counseling, you learn what to do with your money when you have more than you expect as well as how to handle a shortfall without using a credit card. Your Debt Management Plan’s monthly payment as well as housing expenses and food will be a few of the bills you pay first. When you cut back on discretionary spending, you are more likely to live below your means.

Getting in touch with your money values

Whether you know it or not, you have attitudes and opinions about money and debt. Some people value having things more than they value living a debt-free lifestyle. When you view money as “bad,” you are more likely to end up with credit card debt. The root of evil isn’t money itself, but the love of money that motivates some people to do harm to others. When you use money for good, you end up with financial prosperity and abundance.

At Christian Credit Counselors, we take the time to work one-on-one with our clients. Let us explain to you how to benefit from a monthly Debt Management and get out of debt 80 percent faster.

Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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