- Are you facing stress due
to credit collectors or considering bankruptcy?
- Need a game plan to get out
of debt?
- Engaged or newly married and
want to get started on the right foot?
- Small business owner and need
some direction with your company's finances?
- Are you okay financially, but
just need a tune up?
Our financial services
address any financial situation and will give you the tools to
face it with confidence to win.
Counseling sessions may be
scheduled as "Face to Face" where you meet a counselor in person in
a mutually acceptable location, usually a restaurant or coffee shop. Or you
can schedule a "Phone" session when traveling is not feasible.
The 2-hour, 1-on-1 counseling
session will help you achieve your financial goals. You can meet with Steve
& Marie, or one of Dave’s Certified
Counselors located across the country. See www.daveramsey.com for information on other counselors.
· How does it work?
Financial Counseling may
be best thought of as coaching in personal finance. The principles we
use are those taught by Dave Ramsey in his books, radio program, and
Financial Peace University. Giving every dollar a name before the month
begins, and sticking to that Cash Flow Plan, is the heart of any successful
financial plan. In your initial meeting, your Certified Financial
Counselor will help you establish a reasonable Cash Flow Plan and address
whatever issues are needed to help you make a plan to establish Financial
Peace.
You will need to make a list of the assets you own, and a reasonable guess as
to their value (if sold today). Also a list of your debts and expenses,
and all sources of income. When this information is assembled, and
submitted to your counselor, then a counseling session may be scheduled.
Sometimes that appointment can be a mere 24 hours after your information is
submitted.
In the session itself, we will discuss your opportunities and your
challenges, looking both at the short-term and long-term aspects of
"Financial Peace" in your situation. You will come away from
the session with a Cash Flow Plan to manage your money, and a long-term game
plan for paying off debts and preparing for retirement.
· How do I get started?
First, download and fill
in the Microsoft Excel spreadsheet:
· http://www.his-way.net/Preparation.xls.
(If you have Microsoft Works
instead of Excel, download the Microsoft Works spreadsheet:
· http://www.his-way.net/Preparation.wks.
If you have neither, print out the individual pages (see links at left) and
fill in the boxes, then fax them to (412) 341-8683, or call for a mailing
address. If you have any questions about how to answer any of the
questions, please don't hesitate to call (or email) for more information.
Once your information is in our hands, we will contact you to schedule an
appointment. We look forward to meeting you!