Free Personal Financial Counseling
Regain Control of Your Finances
No matter what's causing your financial setback, our experts are here to guide you back to financial stability.
Break the Cycle regain control set your goals
Build and Manage Your Budget
Budgeting is a simple way to manage your cash flow and keep track of your spending, so you can make smart financial decisions.
Create Your Goals
Whether you want to pay down debt, build an emergency fund or save for retirement, setting goals is the best way to get clear direction and visibility of your financial progress.
Multitask Your Money create your goalsregain control of your finances
MONITORING YOUR FINANCES AND KEEPING TRACK OF YOUR SPENDING
Money Management with My MakingCents
You'll access free digital tools to track spending, create a budget, monitor credit, view all accounts and investments (even those at other banks and credit unions).
Set Your Goals with My MakingCents
Calculate Your Savings Goal
Have a savings goal in mind? Plug the numbers into our savings calculator to see what it will take to reach it.
Savings & Budgeting Resources
-
5 Ways to Rebuild an Emergency Savings Fund
Depleted your emergency savings? Here are ways to start saving again.
Learn More about 5 Ways to Rebuild an Emergency Savings Fund -
Budgeting Basics
These money management tips will help you avoid overspending, save extra money and improve your personal finances.
Learn More about Budgeting Basics -
Tips to Stay on Top of Bills and in Charge of Your Budget
Advice from Navy Federal Credit Union leaders on how to stay on top of your bills and in charge of your budget during tough times.
Learn More about Tips to Stay on Top of Bills and in Charge of Your Budget -
Making Budget Breakthroughs
New approaches to common budgeting hurdles can help you create a budget for the long haul.
Learn More about Making Budget Breakthroughs -
How to Get Rid of Credit Card Debt and Increase Your Wellbeing
When you're eliminating debt, you have to take a holistic view of your financial style.
Learn More about How to Get Rid of Credit Card Debt and Increase Your Wellbeing -
Debt Consolidation Calculator
Should you consolidate your debt? Fill in loan amounts, credit card balances, and other debt to see what your monthly payment could be with a consolidated loan.
Learn More about Debt Consolidation Calculator
Ready to Start?
Let’s work together to help you take the next step toward financial success.
If you have questions, please call 1-888-503-7106.
Let Us Help—Apply Now for Financial CounselingApply now for financial counseling
Frequently Asked Questions
How do I sign up for counseling?
To sign up for counseling, simply fill out the Personal Finance Information Sheet and a counselor will call within 3 business days to review your application.