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    • Home
    • About Us
      • About Us
      • Board/Staff
    • 502 Homeownership loans
    • FINANCIAL COUNSELING
      • Counseling
      • PRE-PURCHASE COUNSELING
      • BUDGET COUNSELING
      • CREDIT
      • LOSS MIT/FORECLOSURE
    • Financial Classes
    • Pay for Services
  • Home
  • About Us
  • 502 Homeownership loans
  • FINANCIAL COUNSELING
  • Financial Classes
  • Pay for Services

HANDS Inc.

HANDS Inc.HANDS Inc.HANDS Inc.

Low Income Housing in Bowling Green, KY

Low Income Housing in Bowling Green, KYLow Income Housing in Bowling Green, KYLow Income Housing in Bowling Green, KY

BUDGET COUNSELING

A budget will have anything you spend money on each month, periodically through the year and for big purchases in the future.  


A budget takes a few months to workout all the kinks and make adjustments to get a good balance budget.  


A budget needs to maintained and followed each month to be able to: 

  • pay your bills on time (mortgage/rent, utilities, loans and etc) 
  • have money for flexible items (food, gasoline, child care expenses and etc)
  • have money saved for periodically expenses that may only need paid once every 3 months, 6 months or once a year (car taxes, auto insurance, garbage bill and etc), 
  • to save money for wanted items and/or purchases (vacation, down payment on a home, computer, and etc).


A budget will need to be adjusted if 

  • your household income changes (get a raise, change jobs, lose a job and etc)
  • if you add an expense or no longer have an expense (get a loan, get a credit card, pay off a loan, pay off debt and etc)
  • if monthly expenses changes (move - rent changes, have a child, cost of living increases and etc)


Starting, adjusting and maintaining a budget can be overwhelming and you may need assistance with your budget. HANDS is here to help assist you with your budget.  


To get assist please contact HANDS @ 270-796-4176 or email help@handsinc.net. 




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