BALANCESM Financial Fitness Program
During challenging economic times, your credit union can be your first financial resource. With BALANCE, you can access comprehensive financial education and counseling services 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 offers no-cost, monthly webinars on different financial topics.
October — Using Credit Cards Wisely
A credit card can be a valuable financial tool. However, before racking up big charges on multiple cards, participants should learn smart ways to handle their credit cards and take a disciplined approach.
Session 2: Thursday | October 21, 2021 from 6:30 p.m. – 7:30 p.m.
Register: Using Credit Cards Wisely Session 2
November — Rebuilding After a Financial Crisis
A job loss, a medical crisis, or other hardship can send a normal financial situation into a tailspin. Participants will learn how to get their finances back on track, including budgeting, repaying debt, rebuilding credit, establishing emergency savings, and replenishing retirement savings.
Session 1: Tuesday | November 9, 2021 from 11:30 a.m. – 12:30 p.m.
Register: Rebuilding After a Financial Crisis Session 1
Session 2: Thursday | November 18, 2021 from 6:30 p.m. – 7:30 p.m.
Register: Rebuilding After a Financial Crisis Session 2
Whether you are purchasing your first home, buying a new car, managing debt, or learning about protection from identity theft, BALANCE has videos to help.
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
- 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 complimentary. After each session, you'll receive a written action plan outlining the options, choices, rights, and responsibilities discussed during your counseling session.
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: [email protected].