Ask the Experts – Find Answers to Your Top Budgeting Questions

A good budget is the cornerstone of a health financial outlook. Find the answers you need to build the best budget possible.

Let’s face it – a budget may not be the most exciting financial tool in your arsenal, but it’s one of the most necessary if you want to be successful. Learning to build and maintain an effective household budget helps you avoid problems with debt and build a healthy saving strategy. Without a budget, you’re flying blind.

Below you’ll find answers to any questions we’ve received that relate to budgeting and money management, in general. If you can’t find the information you need or you’d like to ask a follow up question, just complete the form to the right and we’ll get you a response within 48 hours. If you need the answer faster than that, call us now at to speak with a certified credit counselor right away.

    • Tips on how to save money at the holidays

      The holidays are a joyous time of year, but they can also be a bad time for credit card debt if you can’t stick to a budget. Gary Herman talks about how to maintain a budget to avoid overspending that can lead to a holiday debt hangover.

    • Find ways to streamline your budget

      What do you do when getting your dream job requires taking a pay cut? This is just one way you can get into trouble with your budget where you start to spend more than you’re bringing in. We offer advice to help you balance things out.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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