MARINE CORPS AIR STATION YUMA, Ariz. -- A very common cause of everyday stress can be problems with finances. Not having enough money to pay the car insurance bill, getting the cell phone cut off and not having the credit to get the car that's been screaming, "buy me" are all problems Marines can encounter when they are not financially prepared.
For some, financial problems might seem too great to overcome or plans too complicated to handle. But, with the right help, problems can be taken care of through numerous avenues, said Margy Pracchia, command financial counselor, personal services.
At financial services, Marines can find advice on several areas of finances.
"I try to educate families on buying cars or homes, any financial issues, and also I do individual counseling that is completely confidential," said Pracchia.
She said the confidentiality of the individual counseling is very important to have. Some Marines might be afraid to talk to their commands about financial problems because of possible punishment or embarrassment.
In addition to personal assistance, Pracchia offers monthly classes for all Marines and family members.
"I usually have a monthly class going, like car buying, checkbook or money workout," she said.
The classes are designed to help prevent financial problems, but a lot of people wait until it's too late and the financial damage has been done.
"People don't want to talk finances until after they have problems," said Pracchia.
She is planning a class for spouses of deployed Marines that should help them prepare for the future. It will be called "Financial Fitness for Life."
"It'll prepare families for paying off debts, planning and saving for education, and saving for other things in the future," explained Pracchia.
Financial planning is not only for adults. If younger people can be introduced to, and understand financial responsibility, before it's time to accept it, they might have a chance to avoid many of the financial problems people find themselves in every day.
"I'm also planning a class to target teens ages 13 and up," according to Pracchia.
She said she's trying to start young with the kids, so they will be better off on their own to be financially fit.
A class is also being prepared on identity theft. It will go over methods of identity theft and ways to protect against them.
"Identity theft is on the rise. I always talk about it, but I noticed lately in the newspaper and on TV it is coming on strong. It's hitting everybody," explained Pracchia.
All of the assistance offered at financial services is free. The counselors are certified and have experience in their field.
"I've been doing this job for almost ten years," said Pracchia.
According to Pracchia, anyone who might be experiencing financial trouble might find the help they need at financial services. To get in touch with financial services and set up an appointment call 269-2425.
"I'll do whatever I have to to help," said Pracchia.