Our Services

Our credit scores and debt load can affect everything from the interest rate we pay on loans to the price we pay for insurance to the ability to find housing. At Patchwork Financial Counseling, we review your credit report and develop a plan with you to address any concerns. We specialize in reducing debt and improving your credit score. 

Divorce is a traumatic time of life and can stress our finances as well as our hearts. A counselor who has experienced divorce and navigated difficult financial times can make the journey easier. Together we can develop a financial plan that will set you in the best position for economic success in the future.

A budget is the building block (or patch) of successful money management. Everyone handles money differently, so budgets should reflect those differences.  We will work together to choose the best budget method for you and craft that budget to your needs to assist you in developing a healthy financial future.

Life is unpredictable. We navigate through our finances with a plan, but life can change those plans or throw us off track entirely. If you have experienced money trauma, we can help you to understand your feelings towards your money issues. Much like you would go to a therapist for emotional trauma, an accredited financial counselor can help you navigate the path to healing.

Planning to buy a home or car soon?  Your credit report is more important than ever. A little preparation can make a large difference between the price you pay and the deal you get. We walk you through the process to a successful transaction, explaining terminology and the process so you can confidently know you are making the best deal.

Preparing your finances for future eventualities such as disability and death is key to a sound financial plan. Should I have a trust or a will? Who will inherit my possessions? Who will care for my children if I die? Who will have Power of Attorney for me if I should become unable to handle my finances myself? How will my loved ones know about my life insurance policies? What is the best way for me to make sure someone can access my money in an emergency? These are only a few of the plans we need to execute prior to life changes.

We offer financial education workshops to address many topics. Check with us if the topic you are interested in is not listed below:

• Budgeting

• Managing Bank accounts

• 401k, HSAs and IRAs

• Credit cards

• Loans

• Credit reports

• Financial Scams