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.

September - Personal Finance for College Students

College education is a prime time for young adults to learn about finances and plan for their future. Attendees will learn about using credit wisely, developing a positive credit history and score, creating and managing their own budget, ways to track spending, and options for student loan repayment.

Session: Thursday | September 22, 2022 from 6:30 p.m. – 7:30 p.m.

Register: Personal Finance for College Students - Session 2

September - Resolución del Misterio de los Informes de Crédito (Solving the Mystery of Credit Reports)

Los puntajes de los informes de crédito tienen mucho poder: pueden ayudar a comprar esa primera casa pero también puede quitarle oportunidades financieras. Esta sesión proporciona una descripción general de las agencias de crédito, puntuación de crédito, orientación para disputar inexactitudes, mejorar los puntajes de crédito y lidiar con el robo de identidad y el fraude.

Sesión: Mar., 27 de Sep. de 2022 6:00 p.m. - 7:00 p.m. MDT

Registro: Resolución del Misterio de los Informes de Crédito

October - 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. Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.

Session 1: Tuesday | October 11, 2022 from 11:30 a.m. – 12:30 p.m.
Register: Breezing Through the Holidays - Session 1

Session 2: Thursday | October 20, 2022 from 6:30 p.m. – 7:30 p.m.
Register: Breezing Through the Holidays - Session 2

October - Conduzca feliz: Decisiones para Comprar un Automóvil (Drive Away Happy - Car Buying Decisions)

Comprar un automóvil puede ser abrumador y estresante con todas las decisiones que debe tomar: nuevo o usado; comprar o arrendar Cero por ciento de financiamiento o reembolso (sin mencionar la elección del color). Los participantes aprenderán consejos y trucos para tener la mejor experiencia posible en la compra de automóviles, al mismo tiempo que toman decisions acertadas de financiamiento.

Sesión: Jue., 6 de Oct. de 2022 7:00 p.m. - 8:00 p.m. MDT
Registro: Conduzca feliz: Decisiones para Comprar un Automóvil

October - Convertirse en Propietario de una Casa (Becoming a Homeowner)

La propiedad de una casa comienza mucho antes de la firma del contrato; la preparación es una de las claves fundamentales para tener un proceso de compra sin problemas. Esta sesión cubre todos los
temas principales previos a la compra tales como el presupuesto, la entrega del anticipo, los informes de crédito, relación deuda/ingreso, y el proceso del préstamo hipotecario.

Sesión: Mar., 11 de Oct. de 2022 6:00 p.m. - 7:00 p.m. MDT
Registro: Convertirse en Propietario de una Casa

November - 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 1: Tuesday | November 8, 2022 from 11:30 a.m. – 12:30 p.m.
Register: Using Credit Card Wisely - Session 1

Session 2: Thursday | November 17, 2022 from 6:30 p.m. – 7:30 p.m.
Register: Using Credit Card Wisely - Session 2

BALANCE Resources

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
  • 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 complimentary. 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: [email protected].


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