Budgeting Effectively for Healthy Finances

How to build and maintain an effective household budget that helps achieve your goals.

Budgeting isn’t just for adults. High school students, college students and even kids should learn the art of building a useful budget. It’s the foundation of every financial strategy; without a budget you simply won’t know where your money is being spent, or if you can really afford all the items you are purchasing ? especially if you are using credit cards to make those purchases.

An effective and accurate budget could save you the stress of falling into debt. With a budget you can track your expenses, save money, eliminate wasteful spending and plan out future monetary goals. It all makes sense; budgeting for the whole family keeps everyone financially fit.

Every financial situation is different. If you require immediate help or just want to talk with a professional about budgeting or getting out of debt, take the first step today. Call Consolidated Credit at to have a free consultation with a certified credit counselor or get started online with a request for a free Debt & Budget Analysis.

Budgeting Made Easy

Budgeting can be intimidating, especially if you’ve never built one before. Many people believe it’s just too hard and too time consuming and not worth the effort. That’s really not the case, though. It’s also worth the time investment, because once you get your budget functioning properly it’s just a matter of tracking your spending and finding ways to save.

Budgeting 101 for College Students

College students don’t usually take the time to budget. That’s a mistake, especially if you have a credit card with you during your school years. It’s easy to forget how much you’re spending if you don’t keep a budget and track your finances. That’s how college students fall further into debt and end-up not saving money for the future.

Budgeting for Kids

With the unruly nature of our economic times it’s wise to get your kids involved with budgeting. Teaching your children the value of a hard-earned dollar and understanding the consequences of overspending, are valuable life lessons that can carry them through their lives. Budgeting will give them the groundwork they need to begin a life of sound financial decisions.

Need More Help Balancing Your Budget?

When you’re struggling to get ahead of high credit card debt payments, balancing your budget can seem impossible. We can help. Call Consolidated Credit today at for a free consultation with a certified credit counselor or get started online with a request for a free Debt & Budget Analysis. We also offer a FREE budgeting application for your iPhone that you can download now.

Better Budgeting iPhone App

"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.

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. Click here to learn more.

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.

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.

You can save!

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

FREE Debt Consultation