Financial fitness doesn’t come from having a large income; instead it comes from managing the money that you earn and learning to manage your expenses and starting a savings plan.

Some financial planners do work with clients who have issues with debt management and spending.  However we do not feel that Balanced Financial Planning, Inc. is a good resource for people dealing with spending issues. Instead we recommend you consider checking with your church, local Better Business Bureau or community college for resources that provide financial education, budgeting, debt management and counseling services. You may want to consider non-profit credit counseling services such as MyFinancialGoals.org as a cost -effective way for you to access resources that will help you learn to manage your finances.