Debt Management and Credit Counseling
A Garden State Consumer Credit CounselingSM organization
A Non-Profit Organization
Credit Counseling


Novadebt's Budgeting Steps and Tips

Welcome to Novadebt! Enclosed is a program that will help you achieve financial stability.

The information provided here will allow you to set goals for the future, understand where you are at right now, and help you make changes in your situation to meet the goals you set. This can be key to your financial stability and success.

Once you have completed the worksheets you will be on your way to establishing a budget that suits your needs. A successful budget takes time and patience, yet has many rewards. Follow the steps carefully and remember we are here to help you along the way. Our counselors can help you by taking a more in-depth look at your situation and give you suggestions that may be of further assistance to you.

Novadebt is a non-profit, social service agency, providing education workshops, budget counseling, housing counseling, bankruptcy counseling, bankruptcy education, and credit counseling services. Novadebt is licensed by the New Jersey Department of Banking and is a member of the Better Business Bureau. Our agency is also a member of the Association of Independent Consumer Credit Counseling Agencies and all of our counselors are certified.

If you have any questions, contact us at 1-800-99-BILLS.

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Page last updated on 02/04/2012