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First, review your credit report and address any collections, judgments, or errors. Discuss opportunities to increase your score with your coach.

Start by cataloging your debt and looking into ways to reduce your expenses or increase your income. Then, determine a payment plan and explore debt management options.

 
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Consider identifying unnecessary expenses in your budget, negotiating your bills, exploring payment plans, or finding local resources like SNAP farmers’ markets.

Not sure where your money goes? Start here.

Opening a savings account, examining your budget, or enrolling in direct deposit my help you build your emergency fund. Have a current emergency? Speak with your coach about options.