They would rather not use the 'B' word.
"People don't want to talk about budgets," said Todd Capitao, a division manager for Tabor Community Services.
Clients may prefer to talk about a spending and saving plan, but developing a budget is the main goal, Capitao said.
"And then we help people create an action plan to get where they want to be financially," he said. "For some people, it's working to get the savings and credit rating they need to buy a house. For others, including those facing foreclosure and eviction, it's more urgent."
The first meeting between a client and a counselor will take about an hour and a half.
"We usually meet with clients for a total of six to eight hours," Capitao said. "The first time is usually face to face. The rest can be face to face or by phone."
The process can take up to two years to complete.
"But it can be two weeks or less if a family's facing eviction. But we have had folks we've worked with for five years," he said.
Now the services will be available in the Southern End.
Solanco Neighborhood Ministries is partnering with Tabor to offer a more advanced level of financial counseling services than has been available locally.
Tabor offers more advanced and specialized levels of counseling, said Neighborhood Ministries director Teresa Dolan.
"We will be making a more pointed effort with our clients now that we have something local," Dolan said. "We do see a need here. We're really excited to see Tabor here."
"We have highly-trained counselors. Some are specialists and we have experts in reverse mortgages and foreclosures," Capitao said.
The local office should make the service more available to people who cannot easily travel to Lancaster, Dolan said.
Tabor has been working with residents of the Southern End but has not had a local office until now.
"Travel for low-income people can be a huge barrier," Capitao agreed. But, he added, the services are not just for low-income families.
"There is no income limitation. The service is free to everyone, regardless of income," he said.
Best known for its food bank, Solanco Neighborhood Ministries volunteers have also been noticing some of their clients have been scammed by credit services that advertise widely.
Those clients would be better served by Tabor, she added.
Tabor has been working with clients in Lancaster County for 51 years. Founded to help low-income families find housing and manage finances, it is now certified by the federal Department of Housing and Urban Development as well as national and local foundations.
The new service is being sponsored by the Solanco Family Life Network and funded by a grant from the United Way. Because Neighborhood Services does not have private office space available, the sessions will be held in an office at Oak Bottom Village, Quarryville.
Tabor's counselors will be available in Quarryville from 11 a.m. to 5 p.m. on the second and fourth Wednesdays of each month. The first appointments will be available on June 12.
To make an appointment, call Tabor at 717-358-9364 or go to the agency's website.