This month’s money makeover

Who: Nicole Rasmussen, 38

Income: $79,200 a year, including spousal support

Goals: Get help with household budgeting and retirement planning.

Assets: $60,000 in retirement savings; $15,500 in savings accounts and stock holdings; $20,000 in a savings account shared with ex-husband

Liabilities: $493,000 home loan; $60,000 home equity loan; $11,000 in credit card debt and a $7,500 car loan

Recommendations: Sell home to get out from under expensive mortgage payment; focus on reducing credit card debt; consolidate retirement accounts and balance funds into a mixture of 60% stocks and 40% bonds. Moving forward, reduce spending and continue to put money into retirement accounts and emergency funds.

About the planner: Dirk Huybrechts is a certified financial planner with HFM Advisors in Brentwood.