MADISON, Wis. (1/28/09)--UW CU is offering its members a financial fitness program, BALANCE, to help them muscle through a tough economy. The program offers UW CU members access to financial counseling over the phone. BALANCE aims to help members find ways to pay for college, consolidate credit card payments, create spending and savings plans, and prepare for retirement. The program also offers tips on managing finances in a slow economy, avoiding foreclosure, and what to do when incomes are reduced. “The BALANCE program really puts emphasis on helping people make good financial decisions,” said Mike Long, UW CU vice president of lending. “Some members are being forced to cut certain things out of their budget, and the people at BALANCE can work with them to help decide what some of those things are. “Whether it is preparing a new budget to reflect the economic conditions or advice on raising a credit score to purchase a home, BALANCE has the resources to help,” he added. UW CU, Madison, Wis., has $1 billion in assets.