personal finance help

Here’s How to Get the Personal Finance Help You Need

It’s more than just a goal. Effectively managing your personal finances should be a part of your life every single day.

Knowing how much money you bring in, having a budget, and tracking your spending is just the beginning. When you manage your personal finances, you’re managing your livelihood now and for the future.

It’s also a big challenge, whether you must live paycheck to paycheck or are more comfortable financially. Most people will likely need some sort of personal finance help during their lives. Here’s how to get it.

Good Ways To Get Personal Finance Help

Government Programs

There are numerous federal and local government programs that provide Americans with extensive financial assistance for those experiencing a wide range of issues. Some are specific to a certain event, such as COVID-19 pandemic relief or stimulus payments when the economy is sluggish.

Others are for everyday financial emergencies. For example, those who need help with utility bills may qualify for help from the Low Income Home Energy Assistance Program. The Child Care and Development Fund provides grants for those low- and middle-income workers who need assistance paying for expensive childcare.

There are also a significant number of programs for first-time homebuyers, including down payment assistance or mortgage refinancing assistance, as well as support for those impacted by natural disasters.

Look for College Grants

Tuition costs continue to drastically rise across the country, but there are many different grants that offer significant help to pay. The Pell Grant is the gold standard and is awarded based on such aspects as attendance cost, enrollment status, and overall financial need.

As a bonus, those who apply for a Pell Grant through the Free Application for Federal Student Aid (FAFSA) also qualify for additional scholarships and grants offered by states and institutions. Other grants include the Federal Supplemental Educational Opportunity Grant and the Iraq and Afghanistan Service Grant.

 couple that needs personal finance help

Get Short-Term Help from a Professional

Depending on your issue, you may need personal finance help from a professional, and that’s OK. There’s nothing wrong with admitting that you just don’t understand a financial concept or that your efforts have not been working.

Financial professionals are there for you. An accountant can help with paying your taxes and avoiding an audit. They’re also perfect if you want to set up a side business or keep track of your business’ expenses and income.

An insurance agent helps you protect your property, health, and car investments and can also guide you through which insurance companies are offering you the best coverage and deals. Attorneys function as financial professionals if you’re setting up a business, buying or selling your home, writing, or updating your will, and developing an estate plan.

Consider a Financial Planner, Investment Advisor, or Debt Counselor for Long-Term Help

While some financial professionals specialize in temporary financial emergencies, others offer bigger-picture assistance. Many use financial planners as their first line of defense when facing personal finance help issues.

They do it all, from guiding your retirement investments and helping you save for college to creating and tracking a plan to lower debt.

There’s a financial planner for most budgets, and options range from a one-time consultation to planners offering a comprehensive personal finance plan and services on an ongoing basis with monthly retainers.

Investment advisors are like financial advisors but only focus on helping you pick the best investments to improve your personal finances. And if you’re dealing with out-of-control debt, a debt counselor may be a saving grace.

They do everything if you need personal finance help, from offering loan refinancing advice to helping you create a budget.

 installment loan

Consider an Installment Loan

Taking advantage of a short-term loan is another option for getting yourself back on the right track with personal finances. It’s easy to qualify for a loan of up to $1,500 at Carolina Title Loans, Inc.

You don’t need perfect credit to qualify. For an installment loan, you just need proof of income through your most recent paystub, an open checking account that’s in your name, and a driver’s license or state-issued form of identification. The loan is paid off over time in monthly payments.

It all starts online. To begin the process, simply fill out the short inquiry form on our homepage with your name, email address, phone number, and zip code. A loan representative from the Carolina Title Loans, Inc. location closest to you will give you a call and walk you through the rest of the loan process.

Once you qualify and are approved, you receive the cash you need the same day or the very next business day.

Get Started Today

Everyone should be able to easily get help with their personal finances. We’re here for you. Start the loan process online, give us a call, or visit one of the many Carolina Title Loans, Inc. locations near you today.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.