BALANCESM Financial Fitness Program

During challenging economic times, your credit union can be your first financial resource. That's why you can access BALANCE, a comprehensive financial education and counseling service, at no charge to you. BALANCE counselors are experts in all aspects of personal finance and credit. And because BALANCE doesn't sell any financial products, you can be sure the information and advice you receive are objective and unbiased.

Attend a Webinar

BALANCE is offering no-cost, monthly webinars on different financial topics.

Upcoming Webinars:

October – Safeguarding Kids' Identity and Online


Today’s youth generation is tech-savvy and connected online. However, parents still play an important role in helping them avoid online hazards such as identity theft, privacy, and cyberbullying. This webinar will cover important issues including online privacy tips, managing computer settings, smartphone apps, and positive online behavior. financial crisis can throw even the best money management plan into chaos.  
Session: Thursday | Oct. 18, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

November – Breezing Through the Holidays


It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt with holiday spending. This webinar will help you learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.

Session 1: Tuesday | Nov. 6, 2018 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Session 2: Thursday | Nov. 29, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

December – Becoming a Homeowner


Homeownership starts well before the contracts are signed—preparation is one of the keys to a smooth home buying process. This webinar covers all major pre-purchase topics such as budgeting, the down payment, credit reports, debt-to-income ratios, and the mortgage lending process. 

Session 1: Tuesday | Dec. 4, 2018 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Session 2: Thursday | Dec. 13, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Money Management Counseling

Schedule a BALANCE telephone counseling appointment anytime throughout the day or evening, weekdays and weekends. Each session lasts about an hour and can be conducted in English or Spanish.

Your counselor will work with you to determine your needs in these areas:

  • Money management
  • Goal setting
  • Budgeting
  • Savings plans
  • Debt repayment
  • Bankruptcy prevention
  • Home purchase
  • Avoiding foreclosure

Each 60-minute session is action-oriented and there is no limit to the number of sessions you can have, all free. After each session, you'll receive a written action plan outlining the options, choices, rights, and responsibilities discussed during your counseling session.


Information Line

Depending upon the amount of assistance you need, your toll-free call may last up to 30 minutes. After your call, you'll receive additional educational material by U.S. mail or email, or you can view and download relevant additional information from the BALANCE website.

Call 888-456-2227 Monday through Thursday 6 a.m. - 9 p.m., Friday 6 a.m. - 6 p.m., or Saturday 9 a.m. - 6 p.m. (MT).

Or you can get started now by sending an email to: info@balancepro.org.

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