December 13th, 2012

SMCU Financial Counseling Guides You on the Road to Being Debt-Free

Do you feel like you’re at a dead end because of money issues? Are you worried that your paycheck won’t be enough to cover the bills each month? Is credit card debt preventing you from saving money and starting to build the life you dream of? Do you need financial counseling but don’t know who to trust?

Part of getting off the merry-go-round of living paycheck to paycheck is putting together a smart plan for spending and saving your money. However, it can feel like an impossible task when you are trying to put dinner on the table, make sure the car can get you to work and back, and fix the leaky sink, all the while dodging calls from creditors looking for last month’s credit-card payment.

Sometimes what you need is someone to guide you onto the right track, someone who’s been through the processes of getting out of debt and rebuilding a credit report, and someone who knows what to expect and which pitfalls to watch out for. The right tool or a word of encouragement can go a long way toward setting you on the path toward financial success.

For nearly 80 years, SMCU has been providing financial counseling and support to our members who are going through difficult situations. Making our members’ financial dreams come true is part of our mission.

Free Financial Counseling from SMCU and BALANCE

As part of our commitment to providing free financial education, we’ve partnered with BALANCE, a financial assistance company, to provide SMCU members free financial counseling. BALANCE has a team of highly trained experts and counselors who know how to help you get out of debt and rebuild your credit, so you can start living your dreams.

BALANCE offers a suite of free financial counseling tools through their website that can help you start building a budget and paying off credit card debt. They provide free publications and toolkits that help you develop habits that create the foundation for future financial success.

Of course, sometimes you need more than great reading material. Sometimes you need a flesh-and-blood person who can answer your questions and assure you that you are heading in the right direction. BALANCE has what you need here too.

When you have a quick question, you can call their Infoline and get an answer fast. If you need more help, BALANCE financial counselors are available for personal appointments. Their counselors will schedule a phone consultation to review your personal situation and offer a plan to help you progress toward your goals.

Your Road Map to Financial Success

As you begin you may need help with:

Once you’ve made it through the early stages and start to see the path before you, you’ll find courses designed for:

A bit further down the road, BALANCE can help you:

Before long, you’ll be able to look behind you and see how far you’ve come. You’ll feel the power of knowing that you took control of your financial situation and made changes.  You may even find that you are able to help someone else take their first steps toward getting out of debt.

The first step is to visit the BALANCE website or talk to a representative. SMCU and BALANCE will help you get all the financial counseling you need to take the next step and will be with you for every stage of your journey. After all, we’ve been walking this road since 1933. We know the way.

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