5 Steps to Financial Health

Do you want to be Financially Healthy?  Here are some steps to do just that. Take the five (5) steps to help you achieve a goal or dream or assist you if you feel you are at the end of your rope. 

Use the drop down menu to choose your area of interest. 

You will see a list of five (5) steps (free confidential counseling, articles, modules, etc.) to help you available your goals. 

Completing the listed five (5) suggested steps is a great way to gain the knowledge and skills you need to improve your financial health.

Then, check out the many other great resources on the site to deepen your knowledge and skills in that topic, or explore other areas of interest.

BALANCE offers financial information and counseling nationwide to help individuals and families make the most of their money. We offer solutions for those experiencing a financial crisis, suggestions and guidance for those facing money challenges, and practical information for those considering financial opportunities. Each year, we help thousands achieve their financial goals.

Before calling the a counselor complete the Personal Financial Assessment booklet to help you have everything at your fingertips.



 Balance is a non-profit with a commitment to promoting financial wellness starting back in 1969 originally as the Consumer Credit Counseling Service of San Francisco (CCCSSF). For more than 50 years, we’ve dedicated ourselves to providing money management education and assistance to local consumers. Since then, we’ve grown nationally through various partnerships with the financial services industry, government agencies, local charters, and corporations. Today we are known as BALANCE and continue our commitment to educate, inform and empower our clients to take control of their financial lives.  

How long will a counseling session(s) take?

That depends on you.  Each session runs about one hour.  Then your work begins.  Depending on the session you could expect 2-4 further sessions for you to be successful in your financial empowerment.

Who are the Counselors?

The over 50 counselors on staff have gone through extensive training and certification to be the best for you. The certified BALANCE counselors are required to successfully complete certifications from Accredited Financial Counselor certification by AFCPE and Planning Education . Also they are required to earn the Certified Financial Counselor Certification from the National Association of Certified Credit Counselors. They must meet and complete the Fair Credit Reporting Act Certification Program. The Housing counselors also must successfully complete the Department of Housing and Urban Development’s housing counselor certification and the NIS by signing and agreeing to abide by NIS Code of Ethics, Conduct, and Guidelines with certification from NCHEC.

Will BALANCE protect my privacy?

Yes – Go here for further information:Privacy Policy