The Eighty-five/Fifteen Financial Fitness Program was designed to help you scale back spending over a period of time to a level which equals 85% of your “after tax income”. Asking participants in this program to scale back their spending by more than 15% will ultimately lead to an unfavorable life-style change that is unreasonable. Radical changes in human behavior over short intervals, which are viewed by the individual in peril as negative, often lead to depression and feelings of helplessness.

Let Kirkland Financial Group, Inc. bring the message of successful financial management to your place of employment, community center, civic organization or place of worship. Whether its tax issues, credit problems, poor budgeting or investment strategies, we have a seminar just for you. You won’t want to miss our lecture on “managing your personal finance”. Learn more about our financial fitness groups and how they are helping to transform the lives of ordinary people.

Learn everything you need to know about the credit industry with Kirkland Financial Group, Inc. Understand what factors determine your credit rating. Learn strategies for improving your credit score. Register for our “Credit Repair Boot Camp Class”! In this class you will be taught our “step-by-step” process to understanding and repairing your credit rating. We’ll help you to resolve delinquent accounts, remove outdated information and outdated accounts. In many cases, outstanding accounts can be resolved for 70% or less of the outstanding balance.