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Free financial advice to help you craft better strategies for your money and credit.
Challenges with debt can make it tough to maintain a budget and save effectively, but these financial skills are often the key to achieving stability. The more you know about how to manage your money, the less reliant you’ll be on credit cards.
Personal finance doesn’t have to be so confusing. Here’s a simple, 60-second overview of everything you need to know about managing your money.
Good finance is essentially a really skillful balancing act. You have to make sure you’re spending, debt, and savings are proportional to your income level. Otherwise, you wind up with debt problems and can’t reach your financial goals, like retiring on time, buying a house, or sending your kids to college without the burden of high student loan debt.
Savvy finance also means taking steps to maximize your credit score. As the most important number in your financial portfolio, an excellent credit score means less money spent on interest and the best terms on loans, including your mortgage.
So whether you’re just starting out or you’re already enjoying your golden years, good finance is essential for a stable and successful life.
This guide is designed to help you develop the skills you need to overcome challenges with debt. If you have questions or you need help balancing your budget, call (844) 276-1544 to get a free no-obligation debt and budget evaluation.
Building a successful budget
Budgeting is essential for avoiding debt and achieving your financial goals. It’s the cornerstone of a stable financial outlook. This guide will teach you how to build and maintain a budget step-by-step.
Budgeting made easy »
Free budgeting worksheets
Income Worksheet
Expense Worksheet
Debt Worksheet
More budgeting resources
Budgeting for Kids
Teaching your kids how to budget sets them up for success later in life.
Learn More
College Students
Learn how to build a budget that will help you get through school.
Get Started
Vacation Budgets
Take a debt-free vacation with a budget that doesn’t break the bank.
Learn How
Wedding Budget
Make a practical spending plan so you don’t start your relationship in debt.
Start Planning
Back to School
Send your kids back to school without sending your finances into a tailspin.
Set a Budget
Holiday Budgeting
Make a plan to get through the most expensive time of year without debt.
Deck the Halls
What’s your money mindset?
The way you think about your finances, debt and budget can have a huge impact on your ability to manage your money successfully. Learn how your mindset affects your ability to achieve your goals.
Get a good money mindset »
Finding smart ways to save money
Saving money is essential for achieving your long-term goals, but it can be challenging to save when you have debt. The good news is that even with limited income, you can craft a saving strategy that will help you build momentum, so you can start saving consistently.
Start saving »
More resources for saving
Retirement Planning
Learn how to save money for your golden years while you’re in debt.
Retire on Time
Emergency Fund
Build an adequate financial safety net, so you can maintain stability.
Save Strategically
SMART Goals
Set goals that give you a roadmap to success and milestones to target.
Be SMART
Investing Basics
Investing is essential if you want to stop living paycheck-to-paycheck.
Get Started
Shop Smart to Save
Find easy tips that can help you cut costs and save on everyday expenses.
Shop Wisely
Organize Your Savings
Learn how to divide and allocate your savings to achieve your goals.
Get Organized
If debt is holding you back from balancing a budget and achieving your goals, we can help.
Financial Advice for Specific Households
Some financial situations require specialized advice. Whether you’re a single mom trying to support two kids or you’re a Service Member trying to manage your money on active-duty, these guides can help you achieve stability. Learn how to overcome the unique challenges that you face.
Finance for Women
Learn how to overcome the unique financial challenges women face.
Take Charge
Finance for Couples
Get tips to successfully merge your finances with your significant other.
Work Together
Family Finance
Find a range of resources to help you manage your family budget.
Achieve Stability
Single Parents
Manage your money as a single parent to support your household.
Prosper on 1 Income
Military Families
Navigate the unique challenges that come with serving your country.
Military Money
Learn how to make college affordable and manage student loans.
Gain Independence
Financial Planning for Major Life Events
Certain life events can seriously derail even the best-laid financial plans. Events like these often require a specialized strategy. In addition, planning for the unexpected can help you weather any financial storm that may come. These financial planning guides help ensure that you’re ready.
Financial planning to maintain stability »
Unemployment Guide
Learn how to survive a layoff without creating serious debt problems.
Navigate unemployment
Disaster Planning
Learn how to protect your finances and assets during a natural disaster.
Weather a storm
Have the right conversations with your fiancé about money and credit.
Merge Your Finances
Separate your finances and protect your credit following divorce.
Move Forward
Death of a Spouse
Get tips to help you achieve stability after the death of a loved one.
Cope Financially
Talk to Aging Parents
Understand what issues you need to cover as your parents get older.
Start a Conversation
Still have questions about your finances? Ask our certified financial coaches!
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Dear ##first_name##,
Thank you for submitting your details. A certified credit counselor will be calling you soon at the number you provided.
Consolidated Credit has helped over 10.2 million people find relief from debt. Now we’re here to help you.
Your counselor will help you complete and review your debt and budget analysis, then they’ll discuss the best options for getting you out of debt. If a debt management program is right for you, your counselor can also help you enroll as soon as you’re ready.
If you’d like to speak with a counselor now, please call:
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Our office hours are:
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Sunday closed
This program has helped my husband and I save so much money and actually get out of debt instead of continuing to make minimum monthly payments! If you’re thinking about trying it, don’t wait any longer! Their customer service is friendly, knowledgeable, and fast to respond and get you answers to your questions and worries.
Melinda of Clearfield, PA
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Our financial coaches will review it and reach out to you directly with the answer at the email you provided. If you prefer not to wait, please call (844) 276-1544 to speak with a certified credit counselor for a free consultation.
For immediate assistance, please call:
(844) 276-1544
Hours of Operation:
Monday - Thursday 8am to 10pm (EST)
Friday 8am to 8pm (EST)
Saturday 9am to 5pm (EST)
Sunday closed
Headquarters:
5701 West Sunrise Blvd.
Fort Lauderdale FL 33313
