Plan Your Financial Future With Confidence.
Practical tools, simple guidance, and support to help you manage money, reduce financial stress, and make progress toward the goals that matter to you.
Manage Your Money
Know what is coming in, going out, and where it is going.
Plan Ahead
Reduce Financial Stress
Budgeting is your financial roadmap.
A budget gives every dollar a purpose. It helps you make intentional choices today while keeping future goals in view.
Take Control
Manage your money with confidence instead of letting it manage you.
Avoid Debt
Plan for expenses in advance and reduce financial surprises.
Stay Focused
Keep savings goals, purchases, and priorities visible.
Reduce Stress
Manage your money with confidence instead of letting it manage you.
Build Habits
Manage your money with confidence instead of letting it manage you.
Budgeting help, right at your fingertips.
Your Employee Assistance Program can provide tools and expert guidance as you work toward stronger financial habits.
Visit GuidanceResources.com
Access your Employee Assistance Program.
Use access code “Saber”
Log in or register with the company access code.
Search financial topics
Try “budgeting,” “holiday planning,” or “financial wellness.”
Set budget goals that fit real life.
Your budget should be useful, not perfect. Review it, adjust it, and keep moving.
1. Review Your Spending
Look at the last 1–2 months and notice where your money is going.
2. Identify Priorities
Choose short- and long-term goals that matter most right now.
3. Assign Limits
Set realistic amounts for groceries, entertainment, shopping, and more.
4. Use The Tools
Try Excel What-If Analysis to test different budget scenarios.
5. Adjust As Life Changes
Your plan can change when your income, expenses, or priorities do.
Life Moments Guide
New to the Team: Organize Your Money in 30 Days
- Set up direct deposit and check your tax withholding.
- Create a bill calendar and align bills with your pay schedule.
- Build a $500 mini emergency fund.
First‑Time Homebuyer Basics
- Estimate affordability and total monthly costs (mortgage, insurance, taxes, HOA).
- Strengthen credit and reduce revolving debt.
- Save for down payment + closing costs; avoid new credit before approval.
Preparing for a New Baby
- List one‑time costs (car seat, crib) and ongoing costs (childcare, diapers).
- Plan for time off; adjust the budget two months before due date.
- Explore short term disability options
- Build a small baby buffer fund.
Planning a Wedding
- Set your budget before booking anything.
- Prioritize your top 3 expenses.
- Create monthly savings goals.
- Track vendor payment deadlines.
- Budget for hidden costs and fees.
- Keep a 5-10% emergency buffer.
- Stay aligned with your partner on spending.
When Money is Tight (This Month)
- Prioritize: housing & utilities → food & transport → minimum debt payments.
- Call providers to request payment plans or due‑date moves.
- Pause non‑essentials for 30 days; use the Paycheck Planner to stabilize cash flow.
Take advantage of our Employee Assistance Program Online!
To learn more, visit GuidanceResources.com
New users click Register (web ID: LFGSupport)
Follow the prompts to create your username and password.
Don’t forget to download the GuidanceNowSM mobile app.
For telephonic assistance, please call 888-628-4824.
Choose the level that fits you today.
No Judgement. Just progress. Start where you are and build from there.
LEVEL 1
Get Organized
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- Track 30 days of spending.
- Build a $500–$1,000 mini emergency fund.
- Use a monthly budget and paycheck planner.
LEVEL 2
Strengthen
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- Reach 1–3 months of essential expenses in savings.
- Reduce debt with a snowball or avalanche approach.
- Improve credit habits.
LEVEL 3
Grow
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- Plan for big goals like home, education, or travel.
- Review insurance and benefits.
- Learn investing basics and retirement contributions.