Comedian Jeff Foxworthy warned about putting confidence in a brain surgeon whose first words are, “Welp, we’re gonna open up your head, get a stick, dig around and see what we find. Okay?” The appropriate response would be “see you later” and you should flee as quickly as possible.
When it comes to your money, do you seek financial help through a qualified professional, or do you use the “six degrees of separation” technique; “My wife’s mother’s second husband’s cousin-in-law’s nephew won ten thousand dollars playing the lotto. I’ll bet he knows a lot about money.”
It’s no secret that we need money to live and the longer we live, the more of it we will need, so why risk your present and your future on the word of someone who may or may not know about money?
Money needs are as specific as one’s clothing and financial plans have to be tailored to your lifestyle, your stage in life, your income, debts that you’ve incurred and your future needs. Perhaps you’re spending a king’s ransom on diapers because you have eight-month-old triplets; or are facing the hard reality of paying back student loans on a less than desirable salary; perhaps you’ve been working so hard for years that you’ve looked up only to find retirement is in your near future.
While there is a lot of accurate financial information available online, it’s still going to be general financial information. There is great benefit to getting financial help through a personal financial assessment, which is foundational for a plan.
There are many questions you may have about money and there are resources to help avoid misinformation. At CESI we have tools to help you in a variety of financial situations.
With credit counseling, you can talk to a certified financial counselor who will help you get a handle on your budget, create a financial action plan and figure out workable solutions for your debt situation. These services are free, confidential and comprehensive.
Credit counseling is a great way to set up a solid financial future and avoid the pitfalls of not having a financial plan. Perhaps due to factors in or out of your control, you may find yourself in debt and don’t have a clear plan of how to get out- we can help.
You have options to consider when looking for debt relief. The information available can be confusing -- debt settlement, consolidation loans, debt management plans, and bankruptcy are all solutions for addressing debt. Each has advantages and disadvantages. A credit counselor can help sort through the options so you can decide which solutions is best for you.
When choosing a credit counselor, here are some things to look for:
At CESI we believe in true financial solutions, not quick fixes. Get financial help that will help you get out of debt and stay out of debt for the long-term. That’s why we provide the financial education and resources you need to enjoy a debt-free life.
Consumer Education Services, Inc. (CESI) is a non-profit committed to empowering and inspiring consumers nationwide to make wise financial decisions and live debt free. Speak with a certified counselor for a free debt analysis today.
Consumer Education Services, Inc. empowers people to overcome their financial challenges and lead financially-healthy lives.
CESI is NOT A LOAN COMPANY