An official website of the United States government
Here's how you know
A .gov website belongs to an official government organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

Vermont Veterans Outreach Personal Financial Counselor provides financial services to Vermont’s Veterans, Service Members and their families. These services include budgeting, debt reduction, retirement planning, and much more. Our Family Program Personal Financial Counselor can assist you in your efforts to become financially stable and independent. The Personal Financial Services integrates within the military life-cycle; from pre-deployment financial preparation activities through transitioning from the military to civilian life. These services are free, confidential and available to Veterans and families residing in Vermont.

Personal Financial Counselor

Contact: Megan J. Sather
Office: (802) 338-3446

Calculators & Comparison Tools 

NOTE: By clicking any of the links below you will be leaving VTNG Family Programs website  
Calculate how quickly you can pay off debt.
Information about credit cards, bank accounts, digital savings apps. mortgages and insurance.
Comparison of best rates available for high yield savings accounts, Certificates of Deposit (CDs), and mortgages.
Learn about the Military's Savings Deposit Program.
A wealth of financial calculators for loans, taxes, investments and more. Provided by Military OneSource

Financial Education

Games and information for teaching children, teens and young adults about money; quick and simple tips about budgeting, saving and spending.
Offers a host of consumer tools, many created specifically for Service Members and Veterans.
Information on consumer protection and fraud prevention. Tools and tips for military service members and their families.

Free online tutorials on personal finance and economics.


March 6, 2024

2023 Tax Changes w/ Megan J. Sather

We asked Personal Financial Counselor, Megan J. Sather, to come in and talk with us about changes to the tax law that you need to know about before filing this year. View Megan's 2023 Tax Changes PDF:
NEWS | Sept. 8, 2022

Surviving the Holidays Financially

The holidays will be here soon, and we need to plan now to be able to survive them financially.  No one ever wants to go into debt to pay for the holidays.  You still have a few months left to plan. 

The first thing you need to do is know where all your money is being spent right now, and that will require some type of spending plan.  There are many free resources to help you create a budget, start by checking with your bank or credit union and see if they have a spending tracker. 

Once you have found where you are spending your money now, you need to make a spending list for the holidays.  This year the holidays may look different, you may not be traveling or may not be having the big gatherings.  Sit down and plan what your family will be doing this holiday season.

Once you know what your holidays plans are, start your holiday budget by listing everyone you purchased gifts for last year and add new people you will be buying for this year.  Then make a list of all the extra expenses you will be spending on beyond the individual gifts, include things like, gift wrapping, postage for sending gifts, and extra food and drinks for the holidays.

Now that you have made a list of things you want to spend money on, you need to find that money in the budget you already completed.  If you don’t know how much to spend, some experts say no more than 1-2% of your yearly salary is a good guide for spending on the holiday’s, that’s for All the holiday’s you celebrate this time of year.

If there is very little or no extra money in the budget, then you need to get creative.  Two great gifts to think of giving are gifts you make or gifts of your time. If you love baking, or love crafts, you can make something and also help children make gifts, they say people appreciate the time you put into handmade items, what a great lesson to teach your children.  Giving your time, maybe running errands for a homebound family member, a date night out for new parents, or creating a photo calendar for friends and family.  Put yourself in their place and think what you would love to receive.

Planning for the holidays continues after they are over, keep track of what you spent this year, and beginning in January you can start saving that in a holiday account and be on track to have a debt-free holiday season.