SPENDING PLANS  ~  SAVINGS  ~  DEBT REDUCTION

• Would you like to learn to save and manage money better?
• Do you often spend more than you can afford?
• Are you constantly running out of money to pay normal living expenses?
• Is money a cause of stress in your life and relationships?
• Does your income fluctuate making it difficult to control cash flow?
• Do you avoid or hesitate looking at the true “bottom line”?
• Does any one in your family have a problem with chronic debting?
• Would you like to achieve a better understanding of money?

Handling day to day finances seems simple, but may not always be easy. Whether you have a lot of money or never seem to have enough, your money can influence your emotions. Money and how you feel about it may affect your lifestyle, relationships and self-esteem. Money plays a powerful role in your life.

Money problems can cause feelings of guilt, shame and stress. For some it is a difficult topic to talk about with family or friends. A loan may relieve the pressure of your stress from overspending, but for most people the relief is only temporary. If your spending habits, attitudes and beliefs don’t change, you may soon be back to where you started. Budgets are usually short lived and tend to make you feel deprived.

Financial Counseling with Barbara can be your solution to having a more positive, productive and confident relationship with money