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Financial Wellness

Financial Wellness Counselors

We care about your financial wellness. That's why we've partnered with BALANCE to provide you with access to confidential, no-cost financial counseling services to help you develop a sensible budget for your financial life.

  • Budget plan
  • Money management
  • Debt repayment
  • Credit report review
  • Financial goal-setting
  • Identity theft solutions

Start Your Path

 

Back on Track Balance Contest 

Presented by our partner in financial education, BALANCE, “Back on Track” offers our BalanceTrack users the chance to win $500 and/or one of three $100 gift cards! New to BalanceTrack? It’s an online resource that helps you boost your financial IQ. Modules include relevant topics such as money management, credit building, saving for college, and much more. At the end of each module, you can test your knowledge by taking a quiz.

Entering “Back on Track” is easy:
  1. Visit BalanceTrack online at amerfirst.org/balance
  2. Users must complete at least one BalanceTrack module with a passing grade (multiple entries across different modules are encouraged!).
  3. If you complete the special Module of The Month, you’ll be entered into a monthly drawing to win a $100 gift card. Plus, you receive three bonus entries towards the $500 grand prize.

Learn More

Free Financial Webinars 

July – Safeguarding Kids' Identity 

Today’s youth generation is tech-savvy and connected online. However, parents still play an important role in helping them avoid online hazards such as identity theft, privacy and cyber-bullying. This workshop covers important issues including online privacy tips, managing computer settings, smartphone apps, and positive online behavior.

Session 1: Tuesday, July 13, 2021

Time: 10:30 a.m. PT / 1:30 p.m. ET

Session 2: Thursday, July 22, 2021

Time: 5:30 p.m. PT / 8:30 p.m. ET

Register Now

 
August – Sandwich Generation (Taking Care of Kids and Parents)

The Sandwich Generation is positioned in the middle. They care for aging parents while supporting their own children. In this workshop, participants will learn how to manage their parents’ medical, legal and financial needs, while ensuring they stay financially prepared for their kids’ future. 

Session 1: Tuesday, August 10, 2021

Time: 10:30 a.m. PT / 1:30 p.m. ET

Session 2: Thursday, August 19, 2021

Time: 5:30 p.m. PT / 8:30 p.m. ET

Register Now

 
September – Financially Savvy Seniors

Retirement can be a great time for seniors if they are prepared financially. Attendees will learn about specific retirement concerns such as managing money, Medicare, Social Security, improving cash flow, insurance, investing, estate planning, and more. 

Session 1: Tuesday, September 7, 2021

Time: 10:30 a.m. PT / 1:30 p.m. ET

Session 2: Thursday, September 16, 2021

Time: 5:30 p.m. PT / 8:30 p.m. ET

Register Now

 

Financial Wellness Checklist

1. Build an Emergency Savings (3 to 6 Months)

  • Open an account with us and take advantage of your member benefits
  • Determine how much you need in your savings account and by when
  • Use automated savings to pay yourself first!

2. Strengthen your Credit Score (FICO 720+)

3. Kick-off a Goals-Based Budget

4. Minimize Bad Debt (Credit Cards and Personal Loans)

5. Achieve Home Ownership

  • Contact us to discuss the Home Buying process
  • Call 888-456-2227 to speak with a certified financial counselor about how to prepare for home ownership
  • Or for online resources, visit amerfirst.balancepro.org

6. Tackle College Tuition (For You or Your Children)

  • It's never too soon to start saving for college with youth savings, Coverdell Education IRA solutions, and share certificate options
  • Determine how much you need for college and by when
  • Use automated savings to pay yourself first!
  • For other college savings options, like 529 Plans, speak with our Investment Advisor
  • Learn more about Student Loans

7. Prepare for Retirement and Your Future

8. Build Wealth and Gain Financial Freedom! (Be Debt Free)

  • For other options for your money, contact us
  • Call 888-456-2227 to speak with a certified financial counselor to assist you with wealth building advice
  • Or for online resources, visit amerfirst.balancepro.org
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