BALANCE Financial Fitness is a program paid for by Redwood Credit Union to provide our Members free access to tools and tips for better money management. Whether you're interested in creating a budget, developing a workable spending plan, getting out of debt, understanding and improving your credit report, buying a home, or planning for your financial future, Redwood Credit Union, and our trusted partner BALANCE, are here to help.

BALANCE is a confidential financial education and counseling service committed to helping individuals and families nationwide take control of their finances and reach their goals. On the BALANCE website, you’ll find information about what they do, who they are and how they can help you master your money. To speak with a BALANCE representative call 1 (888) 456-2227, toll free.

Being financially successful means you are in control of your money instead of it controlling you. Your income doesn’t necessarily determine how financially successful you are – your choices and priorities do. If you are struggling, financial success may seem like a distant dream but, by engaging in this 5-page program - with an optional quiz to ensure understanding – and following these ten steps, you can make that dream a reality:

Step 1: Establish Goals

Step 2: Take Stock of Your Current Financial Situation

Step 3: Create a Spending and Savings Plan

Step 4: Establish an Emergency Savings Fund

Step 5: Invest Diversely

Step 6: Make Sure You’re Covered

Step 7: Establish a Good Credit History

Step 8: Delete Your Debt

Step 9: Buy a Home

Step 10: Seek Advice and Do Research

Click on the image to get started!