JANUARY 2013

Budget and Debt Counseling: Your Roadmap to Financial Success

Your Credit Union recognizes that money management skills are learned, not bestowed at birth. That's why, as a benefit of being a PFCU member, you have access to BALANCESM Financial Fitness Program. BALANCE offers personal finance counseling by certified experts for a budget-friendly price: FREE. The first step toward financial security is analyzing cash flow with a budget and debt counseling session. All the essential elements are covered, including goals, assets, income and debt. The focus of the appointment is up to you. You may choose to concentrate on developing a spending plan that you're comfortable following, or explore debt reduction options. Each session is conducted over the telephone and takes about an hour. A copy of your new budget and a detailed action plan will be sent to you so you can monitor progress and stay on track.

If debt elimination is your main goal, you may choose a Debt Management Plan to quickly and efficiently repay your financial obligations. BALANCE negotiates with creditors to reduce interest and fees. You make one monthly payment. Since you are a member of PFCU, the program's monthly administration fee of $35 is waived.

Budget and debt counseling is your opportunity to better understand your individual spending decisions and make a plan that is driven by your goals – not entrenched habits. Professional guidance is key – without it, your financial dreams may never become a reality.

To use the services, simply call BALANCE at 888-456-2227. Counselors are available Monday through Thursday, 8 a.m. to 11 p.m. (ET), Friday, 8 a.m. to 8 p.m. and Saturday, 11 a.m. to 8 p.m. Or visit balancepro.net for more information.

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