Understanding Household Debt and Budgeting

What are your financial goals?

Get there with help from NFCC-certified counselors:

Manage both fixed and variable expenses
Optimize and track spending
Identify and limit impulse buys
Make appropriate budget adjustments
Build good habits and savings

Connect with a counselor today!

Or call 800-388-2227

(Low or no cost. No obligation.)

As featured on:

Why trust NFCC-certified counselors?

70+ Years of Nonprofit Service

Have Met Highest Industry Standards

No Hidden Fees

Personalized Plans that Actually Work

Expert financial guidance, just a click away.

Take Control of Your Finances with Expert Guidance

Are you saving for college or retirement, paying down credit cards, or managing unanticipated expenses? NFCC can help with a financial review.

What’s the first step to creating a household budget?

The best place to start is by meeting with a nonprofit credit counselor for a full financial review. They’ll help you get a clear picture of your income, expenses, and spending habits so you can move toward your financial goals with confidence.

What does a financial review include?

During your review, you’ll look at all sources of income and your fixed expenses—like rent or mortgage payments, utilities, and insurance. You’ll also go over variable expenses such as groceries, gas, and entertainment that may change from month to month.

Why is it important to compare income and expenses?

Comparing your estimated income to your monthly expenses helps you identify where adjustments may be needed. It’s a key step in understanding how to stay on track and make informed choices that support your financial priorities.

Can a counselor help me with long-term financial goals?

Absolutely. Whether you’re saving for college, retirement, or an emergency fund, a certified counselor can guide you through the budgeting process to help you reach those goals more effectively.

How does budgeting help with unexpected expenses?

By building a clear budget and identifying spending patterns, you can better prepare for unanticipated expenses. Counselors can help you plan ahead so that surprises don’t derail your progress.

We’re here to answer your questions

How it works.

Connect with an NFCC-certified credit counselor for a confidential consultation
Participate in a one-on-one review of your financial goals and budget
Create a personalized financial action plan

Connect with a counselor

Why others trust NFCC with their debt.

Your work and business vision have changed the trajectory of my life. You’ve impacted my legacy, how I walk, how I talk, how I live, parent and love. I am different. I am free.

Johnika Dreher

Client, NFCC Member Agency Money Management International

We realized that we had more expenses than income. My counselor helped me prioritize my expenses and informed me of options to handle my debt. She provided suggestions on how to balance our budget.

LeAnne

Apprisen Client

My daughter referred me! This program will help me pay off the debt faster and free up some money to start putting toward my retirement fund.

Deborah

InCharge Debt Solutions Client

I am only in the beginning stages but, so far, everything in my “plan” to financial stability seems to be going smoothly. I feel more prepared to handle my financial situation.

Jennifer

GreenPath Financial Wellness Client

Start Paying Off Your Debt Today!

Ready to get started? We’re here to help.
Call 800-388-2227 or fill out the form below.

NFCC Locator Form

" *Required" indicates required fields

I'm ready to schedule a financial review for: *Required

Name *Required

Zip *Required

Email *Required

Phone *Required

Preferred Language *Required

Checkbox *Required

The NFCC and its member agencies may contact me by phone, email or text.*

We take your privacy seriously. By clicking on the “Get Connected” button below, you consent, acknowledge, and agree to the National Foundation for Credit Counseling© (NFCC©) Terms of Use and Privacy Policy, as well as the terms of use and privacy policies of any NFCC Member Agencies or third parties that may contact you following your submission of this form. Moreover, you agree that NFCC may share your information with NFCC Member Agencies to provide you with counseling and education or other third parties to provide additional services. You further agree that you are providing express “written” consent for NFCC and NFCC Member Agencies or third parties to call you (including autodialing, texting and pre-recorded messaging for convenience) via telephone and mobile device (including SMS and MMS communications - charges may apply depending on your carrier; messaging frequency varies), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. You agree that opt-out and unsubscribe options and instructions will be the responsibility of the entity directly sending you communications, which may be a NFCC Member Agency or a third party. You further agree that NFCC is not responsible for and will not be liable for communications it does not send to you directly. You agree to receive electronic communications, including periodic emails, with important news, financial tips, tools and more. Consent is not required as a condition to utilize NFCC’s services and you are under no obligation to purchase anything.

Comments

This field is for validation purposes and should be left unchanged.