Barbara Hause, MBA Financial Counselor serves clients nationwide by phone and in person from the San Francisco Bay Area.

Barbara Hause, MBA

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Latest Articles

  1. Five Essential Money Tips for Living Happily Ever After

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    When you can depend on steady income and credit it’s easy to coast along day to day and not pay attention to the consequences of how today’s spending choices will affect your future goals and dreams. Coasting along and spending freely can work for quite some time until you get in a bind: can’t pay your taxes, credit cards are maxed or a shortage of cash flow happens which could be caused by a number of reasons (job layoff, illness, economy, life change). Once you start falling behind it is difficult to catch up when you, “continue to do what Read More

  2. Financial Counseling Saves Money and a Marriage

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    A client, Donna, who has been coming in for financial counseling for almost a year, recently said to me that paying for financial counseling seemed counter-intuitive to her. She found it hard to justify paying money when she and her husband, Jim, desperately needed it. So I asked her what brought her in. Donna went on to explain that she was so frustrated with their finances that she not only felt “out of control with money” but also out of control in her marriage, with her children and in her business. She was living with a lot of fear, frustration Read More

  3. Financial Counseling and Financial Planning: They Go Hand-in-Hand

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    The difference between financial counseling and financial planning is duration and function. Financial counseling is a short or mid-term relationship between client and counselor. Financial planning is a long-term relationship between client and planner. The goal of the financial counselor is for you to become independent by helping you build new skills and attitudes to improve your day-to-day relationship with money. A financial planner is someone you depend on long-term to take care of the money you are saving and making sure it is getting the best rate of return to meet your financial goals and priorities. Why do financial Read More

  4. The Story of Joe and What It Can Mean for You

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    If you find you are consistently making poor money decisions, and, what is more telling, repeating your negative behavior, the real answer to your money problems may have less to do with your money than with the attitudes you inherited or learned at home regarding its use and management. The following story might give you some insight into how inherited attitudes regarding money have a greater impact than you might suppose on a person’s effective money management. This is a story of Joe who is living beyond his means to keep up a “social image”. Joe purchased a home in Read More

  5. Learning The Value Of Money

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    When I am asked, “What do you do? I answer by saying, “I am a financial counselor. I work with couples and individuals who want to improve their relationship with money.” Many times, the response I get is, “my son or daughter could use your help” or “children should be taught about money in school”. I think what people are saying is they are concerned about how children as adults will be able to handle money so they can support themselves and no longer be dependent on family for financial support. Children start learning about money and how they value Read More