
What We Offer
WE HAVE SUCCESS WITH HELPING OUR CLIENTS REMOVE:
COLLECTIONS
LATE PAYMENTS
CHARGED OFF ACCOUNTS
JUDGEMENTS
INQUIRIES
BANKRUPTCY
SHORT SALES
TAX LIENS
PERSONAL INFORMATION
REPOSSESSIONS
FORECLOSURES
AND MUCH MORE!
One of the primary reasons people abandon budgeting is that they fail to create realistic budgets for their actual expenditures. We go over a fill list with you and more.
Being realistic and accounting for true expenses is crucial in budgeting. While expenses may be reduced in the future, the essence of budgeting is to devise a plan and adhere to it. Every penny count, and we strive diligently to help you recognize this fact.

Fixed Monthly Expenses List
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Rent
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HOA Dues
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Homeowner’s or Renter’s Insurance
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Cable Bill
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Internet Bill
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Phone Bill
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Daycare
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Subscription Payments
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Car Insurance
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Insurances
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Alcohol
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Smoking
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Gambling

Variable Monthly Expenses List
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Groceries
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Restaurants
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Water/Sewer
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Power/Electricity
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Clothing
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Pets
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Kids and/or Babies
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Babysitter
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Gifts
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Personal Care/ Beauty
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Entertainment
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Sports & Recreation
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Haircare
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Medical Out of Pocket Costs
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Natural Gas
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Garbage
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Gas For Cars
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Personal Spending Money
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Buffers
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Charitable Donations
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Mortgage
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Car Payment
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Credit Card
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Student Loans
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Other Loans

Savings & Sinking Funds Monthly Expenses List
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Emergency Fund Savings
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Christmas Sinking Fund
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Retirement
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Kid’s College Fund
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Auto Repair Sinking Fund
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Home Repair and/or Maintenance Sinking Fund
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Vacation Sinking Fund
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Yearly Auto Fees Sinking