What does it cost to give yourfinances a checkup?

Got $1,000 in checking?

Thesesmart movescould help you reach your next big savings goal.

A woman wearing a yellow long sleeve shirt does financial planning on her sofa.

Getty Images

Many of these apps offer free financial planning options as well as paid subscriptions that unlock more features.

Your first consultation will typically include free financial planning advice.

The counselor can help you evaluate potential steps toreduce your debtand prevent further debt.

Article image

Most certified credit counselors offer services at no cost or charge nominal fees.

Counselors in your area may also offer free financial planning workshops or classes for the public.

Can You Survive 10 Days of Budgeting?

Article image

If you should probably wrangle your budget, it may be time to consider a savings challenge.

Financial Planning Day is held the first Wednesday of October every year.

Its 100% no-strings-attached free financial planning advice.

Pay a Certified Financial Planner for a la Carte Services

Looking for a step above free financial planning?

If youre researching financial planners, ask about specialty or a la carte services.

Theres someone out there who has services and a fee structure that will meet your needs.

Read on:

Lisa Rowan is a former writer and producer at The Penny Hoarder.