What is Financial Education?
Do you wish you knew more about personal finances? Dealing with money can be confusing, but when you’re financially literate you have the power to make informed choices, and even avoid money problems. Budget and financial education is an effective response that allows everyone to become (or become again) an actor/actress in their own life. Our mission is to change the relationship with money, to train responsible citizens and consumers who will have the tools and knowledge necessary to gain autonomy and develop their consumer self-defense in relation to unforeseen circumstances and excessive risk-taking.
Who is it for?
Through workshops, webinars, and online courses we provide educational opportunities for everyone, including employees, students, children, and communities.
We focus on:
What are the warning signs that you have too much debt or are about to lose financial stability ?
Ask yourself the following questions:
If you answered yes to more than a couple of those questions, you have a debt problem.
Is it too late? No, you still can change the future of your financial situation. But how?
No matter how your financial situation currently looks, you can improve it BUT the most important thing is that you really want to repair your finances and get back on track. Only then will you be able to do what others have done successfully and face this challenge.
We are here to help you to find the right strategies to deal with your debt. Here some examples:
Debt snowball: You focus on paying off your smallest debt first (while paying minimums on the others), then roll the amount you had been paying on it into payments on the next largest.
Debt avalanche: You pay off your debt with the highest interest rate first (while paying minimums on the others), then the next highest rate, and so on. It may save you time and money over the course of your debt payoff.
Debt settlement: You offer a lump-sum payment to a creditor that reduces the amount owed by 25-50%. If accepted, the debt is settled, however, this will have negative impact on your credit history.
Debt consolidation: Combine multiple old debts into a single new one, ideally at a lower interest rate, making payments more manageable or the payoff period shorter. There are a few ways to consolidate debt, including balance transfer cards and personal loans.
Debt management plan: If you’re facing a mountain of credit card debt and not making much progress, we can help you to set up a debt management plan to cut your interest rate and put you on a repayment plan.
We understand how hard it can be to talk about debt. Many people think they will be judged or blamed for their current financial situation. But we all make mistakes and have times when we need a little help to get back on our feet. We’re not here to judge you or give you more stress, but to help you find real solutions with kind and honest guidance.
Here is how we proceed
Within 1- 2 weeks - UNDERSTAND YOUR SITUATION
Within 2 - 4 weeks - FIND THE WAY OUT
During 3 months (in average) - KEEP ON RIGHT SIDE
We accompany you to
Our goal is to help you achieve financial well-being for life, and that includes helping you rebuild your credit, keep a balanced budget, and plan for the future.