Read the Financial Danger Warning Signs
Your answers to these five questions will tell you if you are in financial
danger:
- Is there no room left on your credit cards?
- Are you behind on any monthly payments to any creditors?
- Are your monthly expenses more than your income?
- Do you dread going to the mailbox or answering the telephone?
- Do you feel financially overwhelmed, stressed, and confused?
If any of these scenarios apply to you, credit counseling may help. In some
cases, a debt management program (DMP) can help you get your financial house in
order. ClearPoint Credit Counseling Solutions' certified financial specialists
work with consumers to identify ways to get your household budget under
control. As a 501(c)3 nonprofit credit counseling agency, promoting financial
literacy is our mission. Our financial specialists are certified through the
NFCC (National Foundation for Credit Counseling) and can offer advice in many
areas, including budgeting, housing and debt management.
Financial distress hurts your health as well as your pocketbook. It can be all
consuming. Ask for help if you need it. Putting your finances in order and
paying down debt will help you sleep at night, reduce arguments with family
members, and allow you to focus on your job. Pay attention to the warning
signs. Putting off dealing with your financial problems will only make them
worse.
ClearPoint financial specialists are trained to work one-on-one with consumers
to make personalized budget recommendations and find solutions to financial
problems. They may also be able to refer you to other agencies that can help.
At ClearPoint Credit Counseling Solutions, our job is to educate consumers how
to make wise financial decisions and pay down debt. We'll help you set
achievable short and long-term goals. It takes patience and determination, but
by making changes in your spending habits today, you can secure your financial
future.