Budgeting – Ember Financial Services

BUDGETING

Imagine for a minute not being stressed every month when the bills are due. Imagine actually having money left over at the end of the month and getting to choose what to do with it. Budgeting is the answer!

This is the essential tool to get out of debt or avoid debt. Creating a budget doesn’t have to be scary. At Ember, we help you learn to create a budget and give you the accountability you need to stick to your budget.

BUDGET BUSTERS

Eating out and buying groceries, new cars, college, medical emergencies can all blow your budget. At Ember, we provide education and accountability to help you prepare for emergencies and avoid budget busters.

Emergencies can happen. Medical Emergencies – While no one can predict or avoid emergencies, we can help you make a plan for saving for emergencies. At Ember we do not sell insurance but we can help you understand how much life, auto, and health insurance you should purchase for you and your family. We also teach you to have a 3 to 6 month emergency savings in place just in case.
Do you have teenagers? Do you like to eat out? Eating out and buying groceries can be one of your largest budget busters. At Ember we know what it’s like to feed 3 hungry teenagers on a budget. We can help you avoid this budget buster by teaching you to meal plan.
Dreaming of that new car? Everyone needs transportation to get around. Maybe you have a teenager about to get their first car. At Ember, we can help you plan for this expense, know how to budget for a car and how to never have another car payment again!
Are you trying to save for college? Did you know that 70% of students graduate with a debt load of over $37,000? Did you know that it takes an average of 19.7 years to pay off this debt? It doesn’t have to be that way! At Ember we will help you make a plan to save and pay for college.