Blog

Financial Coaching: It Is An Income Issue

Financial Coaching: It Is An Income Issue

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

When helping a member with their budget, how much time are you spending discussing their income? I think many times we, as financial coaches, ask them for their take-home pay for use as the starting place in the monthly budget and then we move on to the expenses. Most counselors are quite…

read more
Guardians Of The Culture

Guardians Of The Culture

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

Being an HR Executive during the pandemic and the subsequent “great resignation” has been a crazy journey, to say the least. I have learned more about HR law than in any years previous because of special COVID rules, but more importantly, I have learned so much about people. I have learned that the pandemic helped people focus on…

read more
The Physical and Mental Effects of Financial Stress

The Physical and Mental Effects of Financial Stress

By: Kelly Fiddner, Contributor,

Money may not buy you happiness, but studies show that your relationship with it impacts your health. Did you know money is tied to our basic, hard-wired drive to survive? When that drive can’t be attained, it compounds into stress. Maybe it’s why the age-old saying, “health is wealth,” is more than just a cliché. In the last 30 years…

read more
Say My Name

Say My Name

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

Getting someone’s name correct is critically important. We know that a person’s name is part of their identity. It differentiates them from others. If we are to create a positive and productive work environment, it starts with us knowing and using each other’s names correctly. You may be reading this, thinking…

read more
Is Keeping Up With The Joneses Affecting Your Credit Score?

Is Keeping Up With The Joneses Affecting Your Credit Score?

By Denise Keiser AFC®, Counseling Programs Manager

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like,” — Will Rogers. In the spirit of garnering helpful advice from one of the wittiest performers in history, let’s review how money and debt shape today’s credit scores.

read more
Help the Veterans You Serve Get the Benefits They Deserve

Help the Veterans You Serve Get the Benefits They Deserve

By Shellye Carpenter, CCUFC, Director of Partner Relations

While we originally developed this content for veterans as a consumer-facing article, and will share it as such, it’s also extremely valuable information for you to use as a training tool or resource for your staff who work closely with veterans in…

read more
Our Spiritual Nature At Work

Our Spiritual Nature At Work

By Cynthia Campbell, MBA, MEd, Chief Experience Officer

“You are a singular manifestation of a cosmic unfolding and within you there is unrivaled individuality.” When I post quotes like this one from Michael Beckwith on LinkedIn, I have gotten DMs asking me why I post such “woo woo” things on this platform. After all, this is a business…

read more
When Should You Seek Financial Counseling?

When Should You Seek Financial Counseling?

By: Denise Keiser, Counseling Program Manager

…Seeking the advice of a Financial Counselor isn’t just for those who’ve experienced a financial blunder in the past. For clients looking to accomplish financial goals, counseling can be a supplement to what they already know. There is no shortage of financial goals these days. But, the challenge with…

read more
You Became A BALANCE Partner, Now What?

You Became A BALANCE Partner, Now What?

Bruce Doane, Account Coordinator on the Partner Relations Team at BALANCE

Okay, so your organization has signed on to begin utilizing BALANCE’s financial education programs and services. Now what? …How will you distribute information to the rest of the staff so they can communicate these new opportunities to those you serve? Luckily, you’re not alone in this endeavor….

read more
Why Contributing To Your 401(k) Should Come With A Warning Sign — A Tale From A Financial Counselor

Why Contributing To Your 401(k) Should Come With A Warning Sign — A Tale From A Financial Counselor

By: Shelly Weber, Certified HUD Housing Counseling and Financial Coach

We have often heard it said, “Do not neglect contributing to our employer’s sponsored retirement plan”…. Perhaps, taking advantage of an employer’s retirement savings should come with a warning sign: “Do not contribute until you are financially prepared.” This may sound counterintuitive, but let me explain.

read more
Road Trip: Mastering The Strategic Process Of Action Planning

Road Trip: Mastering The Strategic Process Of Action Planning

Denise Keiser AFC®, Counseling Programs Manager

People seek financial counseling because they want things to be different in their financial lives. They are looking for change like relief from surmounting debt, less financial stress, or they have important financial goals to reach like buying a home or saving for retirement. Regardless of the individual’s reason, the counseling process is the same. The process starts with…

read more
Swipe Up: Social Media Spending

Swipe Up: Social Media Spending

Lindsey Deinhardt, Director of Organizational Development

Over decades, we have integrated social media into our lives: it is how we connect with people and organizations. Consequently, companies have taken advantage of this and turned what used to be a networking tool into an easy way to advertise. The average American will spend more than…

read more
Multiple Financial Wellness Vendors: A Blended Family With One Goal

Multiple Financial Wellness Vendors: A Blended Family With One Goal

Jen Martin, Director of Partner Relations

In the first article in this series, we discussed how searching for the perfect financial fitness partner is like dating. Then in part two, we reviewed that every great partnership requires commitment (similar to a marriage), goal alignment, and working together. In part three, we will talk about how relationships change or adapt over time…

read more
Upstreaming Financial Services

Upstreaming Financial Services

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

There is a parable used in the healthcare industry that has changed the way I think about serving people. I would like to share this parable, which I heard told by Dr. Rishi Manchanda, the founder of HealthBegins, in a TedTalk called, “What is an Upstreamist in…

read more
Are your Employees Financially Savvy?

Are your Employees Financially Savvy?

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

Let’s talk about money. It is a taboo subject—much like sex and politics. We were taught not to discuss these topics “in polite company” but look at where “not discussing politics” has gotten us in America! Perhaps, instead of telling people not to discuss politics, we instead encourage…

read more
Insights from the Front Lines: Housing Counseling

Insights from the Front Lines: Housing Counseling

By: Linda Davis-Demas, Senior Director of Housing

Housing Counseling is a core competency of BALANCE. We handle pre-purchase, post-purchase, foreclosure prevention, rental, and reverse mortgage counseling. We are a HUD approved national housing counseling agency. We work with mortgage servicer partners…

read more
Five Steps to Financial Triage

Five Steps to Financial Triage

By: Karina Galvan-Torres, Senior Director of Operations

During times of economic crisis and uncertainty, the significance of prioritizing financial stability suddenly leads every conversation with family and friends. For agencies, like BALANCE, that provide services to underserved and financially vulnerable communities every day…

read more
Knowledge Begets Confidence

Knowledge Begets Confidence

By: Meaghan Hiller, AFC®, Director of Financial Education

How do you foster your employees’ confidence to love their job? Help them build upon their current skills and learn new ones, increase the “tools in their toolbox,” empower them with knowledge and strike up a new spark in how they approach their day-to-day. In two words…

read more
Are Your Members Financially Healthy?

Are Your Members Financially Healthy?

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

When I first heard of the Financial Health model created by the non-profit, Financial Health Network (formerly CFSI), I was thrilled. This framework offers four main pillars of financial health and under each pillar, there are two indicators. It is beautifully simple. They offer…

read more
The Evolving Workforce

The Evolving Workforce

By: Jenna Allen, HR Manager

Over the years, more and more companies are starting to offer their employees the option to work remotely. This gives employees more flexibility, eliminates commute time and the stress that comes with it, and allows employees to be more efficient with their time. Although we have…

read more

Pin It on Pinterest