Common Cents Financial Planning was started in 2006 when good paying jobs were plentiful, the economy was booming and retirement investments were exploding! That was then, and this is now. Every job is hard to find or hard to hold. The National Debt has hit thirteen trillion dollars and we wonder if our retirement accounts will ever be back to where they once were!

We all face uncertain financial times in our lives for a variety of reasons:

• Medical - No health insurance - High premiums - Insufficient insurance policies - High co-pays - Large out-of-pocket expenses
• Life Style Change - Marriage - Divorce - Loss of a loved one - Loss of job - Lower paying job -New member of the family
• Debt - Higher account balances - Higher interest rates - More fees - Higher minimums - Lower credit lines

When we have uncertain financial times, the trendy choice may not be the right one! Avoiding phone calls, ignoring mail, consulting with or using a debt relief agency, filing bankruptcy, or even getting that second job may seem like the only way to deal with the situation, but it usually just conceals the real problem. At Common Cents Financial, we work together to reduce your monthly expenses, increase your cash flow, account for where you spend your money, without putting your FICO score in jeopardy.