financially healthy lives.

Financial wellness ensures stability and security in managing one’s money effectively. It enables individuals to meet their financial goals, reduces stress related to money matters, and fosters overall well-being by promoting a sense of control and preparedness for the future.

To improve financial wellness, focus on budgeting effectively, saving consistently, reducing debt, investing wisely, and educating yourself about personal finance. These steps help build financial security and promote overall well-being.

Financial stability can be measured by assessing factors such as having a steady income that covers expenses comfortably, minimal debt relative to income, sufficient emergency savings, a good credit score, and investments that support long-term financial goals.

To create a budget:

1. List all income sources.
2. List all expenses, categorizing them.
3. Allocate income to cover expenses and savings.
4. Track spending and adjust monthly as needed.

Use this budget worksheet to get started. We can help!

A Debt Management Program (DMP) is a structured repayment plan that helps you pay off debt and build financial resilience. It’s ideal for those making minimum payments, dealing with high interest rates, or facing collection calls. To see if a DMP is right for you, consider these questions that may indicate your debt is impacting your goals.

• Ease and structure: A personalized payment schedule is created, based on your pay frequency and bill due dates. You can “set it and forget it” with one consolidated payment on your preferred schedule.
• Time and money savings: GreenPath works directly with your creditors to request concessions such as lower interest rates and monthly payments, so you eliminate debt faster and save money.
• Peace of mind: A Debt Management Program (DMP) consolidates your payments into one manageable payment to reduce the overwhelming stress of multiple payments across credit cards, loans, and more.
• Support you can trust: GreenPath is a national, non-profit organization that has empowered people to achieve their financial goals since 1961. NFCC-certified counselors create a personalized plan tailored to your needs and provide support every step of the way.