If you’re living paycheck to paycheck or your income has dropped, you know how easy it is to run out of money before the end of the month.  There are so many things to spend money on for everyday living expenses, plus the unexpected expenses such as car repairs and medical bills.

 
If you’ve had a reduction in income you may not know where to begin to adjust your spending.  Studies have shown that most people take a year to adjust to a reduction in income. By that time a lot of damage can have occurred such as incurring a large amount of debt.

When money is tight, it’s wise to closely examine your spending, look for ways to plug spending leaks, and develop a spending plan. Rather than developing a budget, many people say “I have no money to budget.” They feel they don’t make enough money and are stuck living paycheck to paycheck.  But you may be surprised at the solutions you can find as you begin to work on it.  And you will enjoy the reduction in stress.

Sometimes it helps to have a fresh set of eyes look at a situation and suggest options. FISC’s financial counselors have helped many people to reduce expenses and have more peace of mind about money. Click here to learn how FISC helped Melanie, a former client, reach a better place.

If you are ready to start, click here to begin the process online.

Once you have submitted your information online, we will contact you within one business day to arrange a time for one of our counselors to call you.