When looking at your finances, with debt management as a primary focus, it can seem overwhelming to try and navigate the process of debt repayment and planning for your future. It is important to have a support system in place to not only help inform you, but be your cheerleader as you accomplish your goals (no matter how big or small they might be along the way!).
Addition Financial is here to help by providing a team of experts that can offer guidance, education, and encouragement to meet your ultimate goal of leaving your debt in the rearview mirror. Debt-free living is not simply about paying off your debt; it is about having the tools to ensure long-term financial stability and not taking steps back.
The core mission of Addition Financial is to support the success of our members, so let’s break down how we can support you when moving towards a debt-free life.
Take advantage of free tools and calculators available to you to build a budget that works for your lifestyle while keeping debt reduction a top priority. We have an arsenal of tools to assist in creating financial confidence in whatever circumstances you may find yourself in. By utilizing our website, you can find:
When thinking about strategies to work with the debt you are facing, our team can look at your timeline and current financial situation to determine which of our offerings are right for you through credit counseling. Do you have multiple debts? What is your largest or smallest debt you want to tackle first?
If you are looking to lower your monthly payments, refinancing your auto loan, mortgage, or student loans with Addition Financial could help free up funds for debt repayment. We’ll see what works for you as a responsible option. Some options include:
Not familiar with refinancing and debt consolidation basics? Don’t worry, we covered that in our podcast in season 4 in our “Money Taboos” series. Our member experience lead, Monica, covered the topic in depth for anyone who might need more information. Take a listen to the episode here to get your basics covered.
We want you to be able to access tools whenever and wherever, and at your fingertips is the best place to find them. Addition Financial offers a mobile app to track spending, set budgets, and receive alerts.
We want you to have the financial tools you need – right when and where you need them. That’s why Addition Financial offers convenient digital banking tools that let you track spending, set realistic budgets, and monitor your financial habits all in one place. You can even set up custom alerts for when you’re close to your budget limit or when transactions post to your account, helping you stay proactive and in control.
Need to break down spending by category or analyze trends over time? Our money management app integration makes it easy to visualize where your money is going and find opportunities to cut back and reallocate toward debt repayment.
Whether you're just starting out or fine-tuning your debt-free plan, these tools are designed to simplify the process, reduce financial stress, and help you build better habits that last. Best of all, they’re accessible 24/7 – because staying on top of your finances should fit your life, not the other way around.
Whether you need help creating a debt payoff strategy, improving your credit score, or just figuring out where to begin, Addition Financial’s certified financial counselors are here to guide you – at no cost to you. These experts will work one-on-one with you to understand your unique financial situation and help you set achievable, personalized goals.
Prefer to explore on your own? We’ve got you covered there, too. Our robust financial education blog is packed with easy-to-understand guides, articles, and tips on everything from budgeting and saving to understanding loan options and avoiding financial scams.
Need help navigating a major life milestone – like buying a home, paying for college, or recovering from financial hardship? Addition Financial provides targeted resources and webinars designed to walk you through the process with confidence.
No matter your starting point, you’ll never have to navigate your financial journey alone. We believe financial advice should be empowering, not overwhelming – and with the right tools and support, you can make real progress toward your debt-free goals.
A large part of our support is looking at long-term success and preventing the stress of debt in the future. Your goals of savings, homeownership, and following your other dreams should not be held back by debt. Addition Financial provides tools to track your credit score, credit counseling services, and strategies to improve your credit that you can start even while you are paying off your debt.
We want to know what your long-term financial wellness plan is. Some might have a priority of building an emergency fund, growing their savings, working towards retirement, or investing. Once debt-free, your goals can be more attainable and within sight.
Looking for more? Take a dive into our Financial Education Resource Center, and contact us today to take the next step in your debt-free journey towards a bright financial future. We are always here to listen and help. We want to ensure that our members have whatever they need to feel not only supported by us, but also confident in how to move forward with their money.