When you get married, you merge your finances as well as your heart. Many couples struggle to hit their stride when it comes to money. You might have different backgrounds, different salaries, and different ideas about spending. Fortunately, credit counseling from Christian Credit Counselors can put you on the right path.
Getting Real About Money
Money is often a taboo topic, but it’s important to speak freely about finances when you’re married. You should have a solid idea of your income and expenses, and create a budget that works for your family. If you’ve built up some debt, make paying that debt down a priority. It’s hard to manage this when one person’s spending is out of control.
A Neutral Opinion
Couples frequently fight over money. Once you’ve covered essential expenses, it’s sometimes hard to determine how to spend — or save — the extra money in the budget. Having an experienced counselor take a look at your financial plan can prevent arguments.
Building Financial Literacy
Many people graduate high school or college without having basic financial knowledge. You need to know how to balance your income and expenses. You need to know how to build up your credit score. You need to know how interest rates affect how much you spend. Credit counselors help you learn all about your money and guide you toward making smart decisions.
A Solid Future
Credit counseling helps you plan for your future. A bad credit score makes it difficult to buy your first home. Excessive debt means you’re never able to take a vacation. A lack of retirement savings means you won’t be able to enjoy your golden years. When you work with a counselor, you’re able to build a better future.
You don’t have to deal with your finances on your own. Christian Credit Counselors has experienced counselors to offer help where you need it. Contact us to set up an appointment.