When you hear the word counseling, you may think about the type of counseling people seek out for help with relationships and other issues. Credit counseling, however, is entirely different. It is a common process that is used to help people who are struggling with debt and need to learn how to use the tools that are available to them to reduce, and ultimately, get out of debt. 360 Credit Consulting in Austin exists for just that purpose — we want to help you achieve a brighter financial future with a great credit report. If you are ready to learn about credit counseling, then call our office and schedule your free credit analysis today.

Learn How to Organize Your Finances

Sometimes, it’s hard to know how to handle all of the different facets of adult life. Organizing finances is one of the biggest areas that most adults struggle with. Having the ability to purchase things without a parent telling you no can be the best feeling — until the bill comes. One benefit of being a kid is that while you may not have received everything you wanted, you didn’t have to worry about balancing a budget. If you struggle with setting a budget and sticking to it, then credit counseling could be very beneficial for you. At 360 Credit Consulting in Austin, our professionals are trained and experienced in helping you determine the appropriate budget for your financial situation. We can help you learn to organize your finances so that you can start building a better credit report and take control of your money.

Tips, Tools, and Advice

There are a number of things that you can expect to receive from credit counseling with 360 Credit Consulting, including a free credit analysis. We want to help empower you to take charge of your finances and make them work for you, not the other way around. During your sessions, you can expect to receive the following services:

  • Budgeting assistance
  • Review of your credit reports
  • Detailed planning for your financial situation
  • Referrals to other tools and resources

We want to offer the help you need when you meet with us, as well as the tools that are necessary for you to take control of your finances once you feel confident to take that step. If you are ready to take the necessary steps to improve your credit score, then we can help.

Create a Debt-Reduction Plan

If you are struggling with debt, then you would probably appreciate having someone help you create a clearly defined plan for getting out of it. Not only can we help you develop the right plan for you to pay down your debt, we can also help you develop the strategies that you need to avoid indebtedness. From building a savings account to living within your budget, we can help with every aspect of your financial plan. Not only will a debt-reduction plan help you to see how you’re going to get out of debt, it will also show you the light at the end of the tunnel. When you can see a date on the calendar that you are aiming for, it will provide the motivation you need to stick with the plan, get rid of your debt, and improve your credit report.

Create a Savings Plan

Some people believe that if they can’t throw several hundred dollars into savings each month, then they shouldn’t even try. This simply isn’t true! Savings, like debt, is something that takes time. If you can commit to setting aside a small amount of money each month, you will be amazed at how much you can save in a year’s time. When you think about the future, you should also think about how much a savings account can spare you future financial heartache. Things will break and need to be repaired or replaced — how will you pay for these? If you don’t have savings set aside, you will probably use a credit card and go into debt once more. Let us help you learn how to build a savings account that fits within your budget. You will save yourself from future credit card debt while building your credit report. 

Credit counseling has many benefits for the people who choose to take advantage of it. At 360 Credit Consulting in Austin, we want to help you take control of your finances so that you can enjoy the future as you wish. When you commit to credit counseling with us, you are committing to a more stable financial future for yourself. Call today and schedule your free credit analysis.