My experience comes from working in the credit related and mortgage industry for 12+ years. I have worked with many individuals and families to assist and develop monthly budgets and helping with credit issues. Recently, while living in California, I spent a little over a year working with our church to help families in developing workable budgets, making suggestions to reduce expenses, and assisting with creditors. While I do not claim to know all the answers, I do have a great deal of experience in financial counseling and believe that I can offer useful information for those that want it. It is important to understand that the only way financial or credit counseling works is if you want it to.
I believe that it is essential that you be involved in helping yourself, I am not a "bill paying service" nor do I want to be. I will take the time to provide you with quality information and make suggestions to you, but you have to take the steps necessary to achieve you or your family's goals. It is important to understand that you must want assistance or information, it does not necessarily mean that you have "problems". Perhaps you simply have credit related questions, perhaps you would like to know how you could save more money every month. Whatever the issue or question is I will provide you with a confidential response, several if necessary, give you my opinions, and make some suggestions.
I have provided budget worksheets, credit related articles, and credit resources within this site for your use. I add to this site on a consistent basis, so return often.
What most people do not realize is that everyone has the ability to do what professional credit counselors and the so-called "credit repair" companies by themselves. All it takes is a little guidance, information, and a little self motivation. The worst thing that you can do is pay for services that you really do not need.
