Everything here is free, and none of it asks whether you have applied for assistance. Use a calculator for five minutes on your phone, work through a course at your own pace, or come and sit in a class with someone who has been where you are.
Small groups, online, in the evening or over lunch. A course you can pause is useful. An hour with someone who has been through it is a different thing entirely, and it is the part people tell us mattered.
Three sessions. Bring last month's bank statement if you have it — and if you would rather not, come anyway.
Two sessions over lunch. Starting from nothing, which is where most people start.
Forty-five minutes with a coach, on whatever you want to bring. Nothing is written down and nothing goes on your file.
The first two are ours, built into this page — no account, nothing to download, and nothing you type is sent to us or saved anywhere. The two below them open a guided session from our learning center.
Put in what comes in, then what goes out. The jar fills with whatever is left. If it stays empty, that is worth knowing too — and it is the most common answer we hear.
Pick an amount you could set aside on a Friday and then leave alone. Every coin in the jar is one week. Nothing clever happens here — that is rather the point.
List what you owe and what each one charges you. Put every spare dollar against the highest rate and the whole thing clears sooner, for less. This works out how much sooner, and how much less.
Start from the payment you know you can make every month, not from the price on the windscreen. The jar is the car that payment buys you.
These open in our learning center, a site we run with Banzai and First United Bank. It looks a little different because it is a different system — but it is ours, it is free, and nothing you do there is shared with us.
Where the money goes, how to plan a month ahead, and what to do when the plan does not survive contact with a real week.
Building a cushion from very little. Where to keep it, how to protect it, and how to stop an emergency turning into a crisis.
A private look at where you stand right now, and what one change would make the biggest difference. Nobody sees the result but you.
