People always have the best intentions. They want to keep credit card debt under control, make necessary payments on time, and save for a rainy day. It’s sad, but the road to ruin is paved with good intentions. Establishing and maintaining financial wellness requires effort.
More Than Good Advice
Many folks have problems due to lack of experience with finances. Recent college graduates have little understanding of house budgets and how to allocate money. Older employees have lived from paycheck to paycheck. They do not always save money and a medical emergency can create a serious challenge. Others want to save for a house and do not know how to do it.
Good advice indeed helps, but that is not enough. Financial wellness needs the right tools to build fiscal stability. Countrywide Pre-Paid Legal Services knows this, and we provide the means to create a healthier personal balance sheet.
We Offer Superior Financial Wellness Benefits
Countrywide has a national network of certified counselors to assist plan members. These professionals work in the community and it is easy to schedule face-to-face meetings.
A budget analysis is a primary service we offer. The counselor will work with the person to put his or her financial house in order. It is interesting to note how many plan members do not have any idea where their money goes, or why it isn’t wisely spent. The counselor will show ways to trim expenses and pay off credit cards. Suggestions on how to save for emergencies are shared.
A Countrywide fiscal analysis will go beyond a budget. Knowing the value of assets will help an individual plan for major purchases. We will do an asset inventory to assess stocks, bonds, property and other possessions. Whole life insurance policies are ordinarily little more than expenses. Our counselors can point out that these policies can be cashed in and premiums used elsewhere.
Other Tools That Help
Countrywide has a self-study program which prepares a person for buying a house. “Make Your Move” explains everything about residential real estate and alerts a Financial Wellness Plan member to financing opportunities and pitfalls to avoid.
Sadly, there are those whose money troubles have gotten out of control. Countrywide has a Debt Management Plan to help a person get out of the wilderness. It requires additional counseling and help in developing a plan which is acceptable to creditors. This service does cost a little extra but can help somebody deal with debt that has become uncontrollable.
We are also able to help those facing bankruptcy. The courts require financial education for those looking to file for bankruptcy. We can provide that and help the individual go through the bankruptcy process. What is important to remember is that the Countrywide services will be there for the person as he or she reconstructs a better financial situation.
Employers Are Important
Employers want to assist their employees, but decision-makers insist on usable benefits. We agree with this. To create a Financial Wellness Plan that gives the right services, we ask employers to select the benefits they want in their plan from among our options. It assures the Countrywide benefit is something everyone is going to be able to use.
What Countrywide offers to all organizations is a comprehensive benefit that includes several valuable services. Financial wellness has become a matter of great concern in the economy. Increasingly more employers are looking for a cost-effective way to help employees with personal economics. The Countrywide program is highly affordable and has received great reviews from those who are currently using it.
The Countrywide member services include a great deal of respect for those whom we help. We treat people like adults and no sermons are preached. Countrywide believes in taking on a problem and producing usable solutions. If you have any questions about our benefits, please feel free to contact us at your convenience. We will gladly share all our information about the options we have that your employees can use.