It looks something like this:

Step 1: List your debts from smallest to largest regardless of interest rate.

Step 2: Make minimum payments on all your debts except the smallest.

Step 3: Pay as much as possible on your smallest debt.

Step 4: Repeat until each debt is paid in full.

Insurance is never a fun topic for anybody. It can be uncomfortable and confusing, 

but you'll be thankful you have it when an emergency strikes.

* Homeowners/Renter's * Car * Health * Medical * Life * Disability Long Term/Short Term *

Your financial coach will educate you on the basics of personal finance and work with you

to create a financial plan that reflects your goals. You'll be empowered to take responsibility for your 

decisions and provide accountability to work and to implement the lessons you learn.

The coaching process is intended to be short-term and goal-directed. 

You'll be guided to address concerns by being assisted in defining your own personal financial goals 

as well as the steps you need to take to meet your goals.

Support is provided  as your goals are worked toward.

Your financial coach will help identify core money beliefs; change patterns of thinking or behavior 

that underlie your financial difficulties, and so change the way you feel about money. 

They'll work in changing your attitude and behavior about money, 

focusing on your thoughts, images, beliefs and attitudes about money. 

They'll  identify how these processes influence your behavior and then actively work to change the behaviors

Every year, students leave billions of dollars in grant and scholarship money unclaimed. 

In 2015, that number was reported to be nearly $3 billion. 

Americans owe more than 1.4 trillion in student loans. 

Approximately 44 million Americans have student loan debt.

You’re allowed one free copy of your credit report every year from each of the major credit-reporting agencies. 

But the reports aren’t automatically mailed to you... you have to ask for them!

And since each agency keeps different details on file, it’s worth checking with all three. 

If you play your cards right, you can even stagger them so you’re getting a free report nearly every quarter.

* Experian * Transunion * Equifax *

A wealth check up is equal to a medical checkup, which helps you identify 

opportunities and threats of your financial and administrative status. 

Estate planning is the legal and financial process of “passing the baton” to the next generation. 

It’s making sure that responsibility and wealth are transferred to the right people in the right way. 

Debt collection begins when you’re past due on a bill or just about anything you owe money on. 

When you haven’t showed signs of paying on the bill the company will usually send your account to collections. 

Often times, these companies will sell your debt to a collection agency for pennies on the dollar. 

Other times, the original company will just hire out a collection  agency to be their muscle and  “make you an offer you can’t refuse.”

Spoiler alert: You can refuse their offer—but more on that later.

Nobody thinks filing for bankruptcy is a great idea.  Even quality bankruptcy attorneys 

will tell you it is a last resort. The fear, the shame, the guilt—it turns your world upside down. 

Although someone might do everything possible to avoid bankruptcy, 

sometimes good people still have to go through it. 

But it’s definitely not an easy out, but wait! There may be alternate options.

100% of foreclosures are on houses with a mortgage! Foreclosure is the legal process by which a lender 

attempts to recover the amount owed on a defaulted loan by taking ownership of and selling the mortgaged property. 

Let's discuss your options. Best way to pay for a home is with cash. It may sound crazy, but people like you do it every day! 

If that’s not feasible for you, the next best thing is a smart home mortgage loan. A bad mortgage product can be a liability in your financial portfolio. 

A home should be a blessing to your family, not a financial nightmare!

Retirement planning is the process of figuring out how much money you’ll need to save for retirement 

and then putting a plan in place to get there. Retirement isn't an age— it's a financial number! Which are you planning for?

The count down of a "TICKING BOMB" or a "CELEBRATION!"

Financial Peace University is the class that starts you on your journey to never worry about money again. 

Based on biblical principles, Dave Ramsey's nine lessons show you how to budget, pay off debt, save, invest for your. future, and give generously. 

Keep a close eye on our "Upcoming Events" to register for the next upcoming class. 

Knowing how to deal with debt is easy—pay it off! Investing, however, isn’t quite so simple. Most people have questions about 

when and how to invest their money. Just remember, investing is personal. A financial adviser or investment professional can help 

you create a retirement plan that’s right for you.  Any successful investment strategy relies on a firm financial foundation, so it’s absolutely critical 

to lay the groundwork for financial success.

A budget is just a plan. It’s not a restriction on spending.

It’s a plan for what you’ll do with your money. 

It’s a plan for what’s coming in and what’s going out.

When you budget every month, you’re giving your money purpose.

You’re taking control.