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Taking Control of Your Financial Future

Financial well-being can be improved by seeking trustworthy advice and having an action plan to develop a working spending plan, set up a simple savings plan, and understand how to get on track to pay off debts.

It’s especially helpful for people facing financial hardship during these challenging times to learn some tried and true strategies, from sticking to a budget or setting a spending limit, to prioritizing finances and paying their obligations, to utilizing credit cards wisely.

What’s the best way to improve one’s financial literacy?

Being informed about finances is crucial to a healthy financial future, and that information should come from reliable sources, like the Consumer Financial Protection Bureau.

The National Foundation for Credit Counseling, the nation’s largest nonprofit financial counseling organization, is an excellent source of information to increase financial literacy. Additionally, counselors who are certified by HUD can provide education and resources for homeowners and renters.

It’s possible to find many informative articles, webinars, and learning experiences on the internet geared toward empowering financial wellness and literacy. the five factors that go into a person’s credit score, so people have the knowledge to improve their financial situation. People can work through online learning experiences and other educational resources to help them understand issues around topics including managing student loans, housing financing (such as forbearance and avoiding foreclosure), and how to use credit cards wisely.

What role does managing credit play in a person’s financial wellness?

After working with our clients across the decades, we have seen that building healthy habits around credit and debt is directly related to empowering financial wellness.

A few of those healthy habits include:

What first steps can one take to manage credit challenges before they get out of hand?

Many people who are struggling with debt are not alone. Many people may have been forced to use credit cards to pay their bills during this unprecedented time, and now wonder how it has impacted their overall financial situation. It is very important to be aware of the situation as a first step.

We suggest people review these five questions about their specific situation.

People can identify the areas they need to address first by asking these simple, but sometimes challenging questions.

  1. Are you unsure of the amount of debt you owe to lenders?
  1. Do you pay only the minimum monthly payment?
  1. Do you take credit card cash advances to help pay bills?