If your family's financial situation changes such as with loss of income or a major illness, you will need to rewrite your budget to incorporate these changes. Get help if you need it . If you are still spending more than you are earning, get credit and budgeting counseling from a professional organization such as Consumer Credit Counseling Service. Consumer Credit Counseling Service of the Gulf Coast Area, Inc. is a non-profit, community service organization that provides professional financial guidance, counseling and debt management assistance to consumers. CCCS is primarily funded by national, regional and local creditors and businesses.
Counseling is available in person and by phone.
Spanish speaking counselors are available.