Listings for Financial / Budgeting Assistance and Counseling


Finances impact every part of our lives. As we age, finances can be strained by a fixed income, familial obligations, changes in the economy, and more. Resources, both public and private, in the community can help you to navigate your personal financial situations.

Budgeting Assistance and Counseling

Budgeting can be difficult, especially if you're looking at or just recently entered retirement. These resources can help you to prioritize your finances and get on track with a sustainable budget.

See the glossary for descriptions of all categories

Administration of Resources and Choices (ARC)

ARC Elder Services

1625 N. Alvernon, Ste 101
Tucson, AZ 85712

(520) 623-9383

Fax: (520) 623-9577

  • Low Income

ARC’s skilled professional case managers help seniors escape abusive and life-threatening situations. We employ the generosity of Tucson area adult care homeowners to help provide safe temporary housing, acquire immediate medical care, and transition to long-term housing– all free of charge. ARC can place vulnerable adults in temporary homes when there is an emergency with their caregiver or under duress, and they need a break. So ARC, under emergency circumstances, will temporarily place them in a home so that the caregiver can get some respite.

business hours
Monday - Thursday 9am-5pm; Friday 9am-4pm

There is no fee or charge for short-term Elder Shelter Project Services. However, participants are responsible for the ongoing costs of care and placement.

Family Housing Resources, Inc.

3505 N. Campbell Avd., Ste 501
Tucson, AZ 85719

(520) 318-0993 ext: 109

Fax: (520) 323-3788

  • Low Income
  • Spanish Services

Family Housing Resources (FHR) is a HUD-certified counseling agency. FHR assists low to moderate-income individuals and families with housing resources and information, including financial management and budget counseling, pre-purchase counseling, pre-purchase home buyer education workshops, and predatory lending education.
FHR also manages six rental properties for low to moderate-income households and may have units depending on availability. One of the properties that FHR manages is a senior living community for low-income seniors, Silverwood Casitas. There is currently a 2-year waitlist and no availability at this property.

business hours
M - F 8:00 AM - 4:00 PM

Financial Planning Association (FPA)

Andrew J. Spillios

650 E. Rudasiill Rd
Tucson , AZ 85704

(520) 625-8108

Andrew Spillios is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. We are serving clients in Tucson, AZ, and the surrounding communities.
Andrews specialties in Budget & Debt Management, Comprehensive Financial Planning, Attending College, Investment Management, Estate Planning, Retirement.

business hours
M - F 8:00 4:30 MT

Money Fit by DRS

Debt Reduction Services, Inc.
Credit Counseling

(800) 432-0310

  • Spanish Services

Money Fit offers

-Debt Management Program
-Debt Counseling
-Debt Payment Consolidation
-Credit Counseling
-Budget Counseling
-Financial Education
-Student Loan Repayment Plan Counseling and Application Assistance
-Bankruptcy Certificate Counseling and Education Services
-Financial Education

For more information or assistance, please visit our website or call our 800 number.

business hours
M-Th, 6:00 am-5:00 pm Pacific Time F 6:00 am-4:00 pm Pacific Time (closed holidays and holiday weekends)

Free Credit Counseling and Financial Webinars
Debt Management has a one-time enrollment fee in Arizona of $39 and a monthly administrative fee equal to 0.34% of the total debt balance but capped at $50/month.
$300 fee for Student Loan Repayment Plan Application Assistance
$50/household Bankruptcy Certificate Services

Money Management International

2401 W. Peoria Ave., Ste 120
Phoenix, AZ 85029

(602) 246-4520

Money Management International provides credit counseling, debt management plans, foreclosure counseling, homebuyer counseling, credit report reviews, reverse mortgage counseling, bankruptcy counseling, and representative payee services to consumers struggling with debt, budgeting, housing, and student loan concerns. Services are available by phone, online, and face-to-face. Counseling is available by telephone 24/7, so no matter where you live or what time of day it may be, when you’re ready to speak with a counselor, we’re here to help - 866-550-8004.

business hours
Tues–Thurs 9:00AM –3:00PM by Appointment

National Association of Personal Financial Advisors

8700 W. Bryn Mawr Ave., Ste. 700N
Chicago, IL 60631

(847) 483-5400

Since 1983, The National Association of Personal Financial Advisors (NAPFA) has provided Fee-Only financial planners across the country with some of the highest standards possible for professional competency, comprehensive financial planning Fee-Only compensation. With more than 4,000 members across the country, NAPFA is the leading professional association in the United States dedicated to advancing Fee-Only, fiduciary financial planning.

service area

business hours
M - F 9:00 AM - 5:00 PM

Pima Council on Aging (PCOA)

Personal Budgeting Assistance

8467 E. Broadway Blvd
Tucson, AZ 85710

(520) 305-3410

The Personal Budgeting Assistance Program at PCOA pairs trained volunteers with people who need assistance with budgeting, writing checks, and organizing bills. Services are provided in-home.

service area

business hours
M - F 8:30 AM - 5:00 PM

No Cost

Pima County Community Land Trust (PCCLT)

17 N. Linda Ave.
Tucson, AZ 85745-2960

(520) 603-0587 ext: 121

  • Spanish Services

Pima County Community Land Trust (PCCLT) is committed to developing permanently affordable housing, promoting community revitalization, and providing programs and services that help low-moderate income families achieve, preserve, and sustain housing.
As a HUD-approved housing counseling agency, we provide pre-purchase, homeowner and renter individual counseling services to identify obstacles and create an action plan to overcome them and include a review of finances (income/expenses), preparing a budget, and reviewing credit. We host education workshops that focus on financial management, homebuyer education, and homeowner advocacy. PCCLT manages a pipeline of permanently affordable homes available for sale and rent.
We offer down payment assistance to purchase a home and have monetary assistance for those experiencing hardship.

Due to the ongoing COVID-19 crisis, we are not currently scheduling in-person appointments or accepting walk-ins.
However, we are scheduling all of our services via phone or videoconferencing and will gladly make accommodations as needed. Contact us by phone or email. All messages are returned promptly.

business hours
M - Th 9:30 AM - 5:30 PM, F - Su Closed

Valley Assistance Services

3950 S. Camino del Heroe
Green Valley, AZ 85614

(520) 625-5966

Fax: (520) 625-1261

  • In-Home Services
  • Low Income
  • Spanish Services

Valley Assistance Services provides multiple community health and social services programs, which include: care management, RN advocacy, post-hospital discharge advocacy, wrap-around services, dementia support, caregiver support, health education classes, emergency financial assistance with rent and utilities in our service area, workforce training and career path building computer lab with one to one coach, youth and young adult financial literacy, budgeting and savings classes, application assistance with SNAP(food stamps), senior transportation, grocery shopping, errands, friendly phone calls, friendly visitors, fall prevention and fall prevention events, peer socialization and support for seniors, Holiday program, information/referral and resources, and more.

service area
Amado,Arivaca,Green Valley,Sahuarita,Tubac

business hours
M - F 9:00 AM - 5:00 PM

All programs are free except for A Touch That Cares(R) concierge care management, a fee-based program.

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