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.

Many circumstances in life can derail even the best money management plans and leave us with less money than we need to meet monthly obligations. What can you do if you are in this situation? This 5-page program - with an optional quiz to ensure understanding - covers a five-step plan for handling a financial crisis and getting back on your feet:

Step 1: Take Inventory of Income and Assets

Step 2: Review Expenses

Step 3: Take Inventory of Debt and Review Financial Position

Step 4: Prioritize Bills and Communicate With Creditors

Step 5: Rebuild Credit and Start Saving

Click on the image to get started!