BALANCESM Financial Fitness Program

At Nusenda Credit Union, we care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. BALANCE counselors are experts in all aspects of personal finance and credit. And because BALANCE doesn't sell any financial products, you can be sure the information and advice you receive are objective and unbiased.

Counseling Services

Online Workshops

Online Resources

Counseling Services

BALANCE counselors are accredited financial counselors can work one-on-one to help you address issues including bankruptcy, debt management, and credit report reviews. Schedule a BALANCE telephone counseling appointment anytime throughout the day or evening, weekdays and weekends. Each session lasts about an hour.

 

Accredited financial counselors will work one-on-one with you

Each 60-minute session is action-oriented and there is no limit to the number of sessions you can have, all complimentary. After each session, you'll receive a written action plan outlining the options, choices, rights, and responsibilities discussed during your counseling session.

Your counselor will work with you to determine your needs in these areas:

  • Money management
  • Goal setting
  • Budgeting
  • Savings plans
  • Debt repayment
  • And more!

BALANCE Webinars

We’re very excited to announce the BALANCE free webinar series for 2025! Whether you’re an employee, member, or friend, BALANCE webinars are packed with useful info and are open to everyone. Just make sure to reserve your virtual seat. Unable to attend? BALANCE has a full library of recorded webinars. Listen at your own time to free money management webinars. Learn the basics of financial planning and create a future of security and opportunities.

January — Basics of Personal Finance

From managing daily expenses to investing for retirement, this session helps participants set personal finance goals, learn the basic of smart money management, and build a solid foundation for the future. 


Session 1: Tuesday, January 7, 2025 
Time: 11:30 a.m. - 12:30 p.m. (MST)
Register here


Session 2: Thursday, January 16, 2025 
Time: 6:30 p.m. - 7:30 p.m. (MST)
Register here

 

February —Unleashing the Power of Credit

Credit is a valuable financial tool, but knowing how it works is crucial to making it work for you. This session delves into the fundamental aspects of credit, including credit scores, credit reports, and their effects on your financial well-being. Discover the various types of credit, the factors that shape your credit score, and effective strategies for building, maintaining, or improving your credit.


Session 1: Tuesday, February 11, 2025 
Time: 11:30 a.m. - 12:30 p.m. (MST)
Register here


Session 2: Thursday, February 20, 2025 
Time: 6:30 p.m. - 7:30 p.m. (MST)
Register here

 

March —Tap into Wise Credit Card Use

Much like driving a car, understanding the rules and best practices of credit card use can significantly impact your financial journey. In this session, uncover the essentials of using credit cards wisely, from exploring various card types, interest rates, and fees, to finding the card that best suits your needs. Uncover practical strategies for budgeting and managing debt that empower you to use credit cards responsibly.


Session 1: Tuesday, March 11, 2025 
Time: 11:30 a.m. - 12:30 p.m. (MST)
Register here


Session 2: Thursday, March 20, 2025 
Time: 6:30 p.m. - 7:30 p.m. (MST)
Register here

 

April — Are You Financially Healthy

We’ll talk about what it means to be financially healthy – which is so much more than just your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. You’ll also confidentially determine your Financial Health Score and the steps to improve that score.


Session 1: Tuesday, April 8, 2025 
Time: 11:30 a.m. - 12:30 p.m. (MST)
Register here


Session 2: Thursday, April 17, 2025 
Time: 6:30 p.m. - 7:30 p.m. (MST)
Register here

 



Online Resources

Access financial education anytime you need it. Increase your know-how with articles, financial calculators, videos, checklists, quizzes, and more. 

 
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What is BALANCE?

As the nation’s non-profit financial coach for over 50 years, BALANCE is dedicated to increasing the financial health of all consumers. Through BALANCE millions of families achieve their financial goals through debt reduction, credit score improvement, budgeting, and homeownership.