Guardian Financial Counseling

02/21/2023

08/24/2022

Here is The Biden Administration's official plan. How do you feel about it? Is this acceptable and helpful, or were you expecting more?

02/25/2022

For now, experts say it's uncertain how badly it could damage the American economy.

09/22/2021

Your DTI (which stands for Debt to Income ratio), plays a MAJOR part in determining if you'll be qualified for a home. Credit is proof that you pay your debts and pay them on time. DTI shows that you can afford the monthly mortgage payments based on your income and existing debts. There are DTI calculators online that can help you see where you stand. Ideally you want to stay under 40%, however exceptions can be made by some mortgage creditors.

09/20/2021

Imagine the weight of poor financial decisions being lifted off your shoulders, and you're finally able to exhale.

Make an appointment. Start a healthy journey with your finances.

09/17/2021

Failure to plan, is a planning to fail.

09/13/2021

The first month is the hardest. This is where discipline and habits begin to form. The second month is when you learn from your mistakes from the month. The third month is where you find your rhythm and become more aware of your triggers. You also begin to gain more confidence in your budgeting abilities. Stick with it!

09/09/2021

Don't get roped into the idea that you have to spend more money because you have more money. Most people have found themselves in a tight financial position where their expenses match their income. That can a difficult hole to dig yourself out of.

09/01/2021

This year's most popular session was budgeting, and quite a few clients received help on deciding to refinance their home.

Thank you for all of your continued support. Cheers to 3 years and lot more!

07/28/2021

Anything that tempts you to spend money, usually an emotion, place, or person is a spending trigger. They cause unplanned purchases which will wreak havoc on your budget. Spending triggers subconsciously help us fill voids, replace certain negative emotions, or heighten positive emotions. Giving into your triggers may feel good, or like the right thing to do at the moment, but they can cause more stress later as you have to deal with the damage of your unplanned spending. Identifying them before they hit can help to manage them and give you more control in those situations. So what are your spending triggers?

07/19/2021

The way you manage your money today not only affects your tomorrow, but the tomorrow of generations after you. Make changes today to manage your money wisely.

07/15/2021

The heartbreaking reality this country is facing.

Housing has become so expensive in the United States that the typical minimum wage worker cannot afford rent, according to a new report.