Clients that meet with a Housing Counselor establish financial literacy goals in order to improve access to affordable housing. Counseling is provided by a HUD-certified housing counselor and includes a client intake, financial and housing affordability analysis, and a client action plan. Handling money wisely is one of life’s greatest challenges. Budget Counseling takes an in-depth look at income and expenses for those who want to take control of their finances. Counselors will help individuals and families set a budget based on income, living expenses, priorities, and goals. Future financial problems can be avoided through planning, wise use of credit, education and family money management.