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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 | Jan. 3, 2023

Holiday Debt, Now what? 

Holiday Debt, Now what?  The holidays are over, and the credit card bills are starting to come in the mail.  What is the quickest and best way to pay off your holiday debt?

There are 4 steps to take to organize and pay off your debt in the shortest amount of time.

  1. The first one is the hardest one.  Make a list of all your debt’s, balances, monthly payments, and interest rates.
  2. If you don’t already have one, create a budget to see how much you can afford to put towards paying off your debt faster.  You need to be honest with what you can cut out of the budget to make payments larger than the minimum payment.
  3. Figure out which method you want to use to pay off the debt, there are two different methods; debt snowball and debt avalanche.  The debt snowball method is when you start by paying off the smallest balance first and then rolling that payment over to the next smallest balance.  This method is perfect for people who need to see results to help keep them motivated to stay the course.  Debt avalanche goes after the highest interest rate, possibly saving you more money in interest.  The choice is yours, and only you know what will help you to stick to the plan.
  4. Many people add a side job into their budget to help pay off bills faster, I know it means giving up free time but tell yourself it’s not forever just till you pay off the debt.

There is a great free website that can help you see how fast you can pay off your debt.  If you got to and enter all your debt information and it will show you how the two different debt repayment plans will take you from in debt to debt free.  It also allows you to print a debt repayment schedule for the fridge, you can see each month how much of your payment goes to the balance and how much to interest.

As always if you want to sit down and talk through creating a budget or a debt repayment plan, please contact your Veteran’s Personal Financial Counselor, Megan J Sather, 802-318-2507,