Financial & Housing Counseling: Lisa's Story
February 1, 2024
Financial & Housing Counseling Help Lisa Pay Off Debt
The Financial and Housing Counseling Program staff met Lisa while presenting a Senior Fraud and Scams training for Foster Grandparents. She asked for a business card and a few days later she called to schedule a Financial and Housing Counseling appointment. This program strives to meet people where they are at, so a Catholic Charities staff member met over the phone due to Lisa's lack of transportation.
Lisa’s biggest concerns were getting a better handle on her bills and paying off her debts, of which she owed about $6600. At her first appointment, Lisa and her counselor created a budget with action steps, laying the foundation to help Lisa get out of debt. Due to Lisa’s fixed income and the rise in rental costs, she pays over 40% of her income for rent.
Lisa diligently completed all of her action plans, including tracking her spending which would give her a realistic picture on how much she was spending each month. Nine months later Lisa still tracks her spending.
In September, Lisa called and shared that one of her debts was paid off. She was so excited, and we were grateful to be able to celebrate that success with her. Since April she’s paid off over $2800 in debt and built up her savings account. Lisa’s budgeting, expense tracking, goal setting, savings and renters rebate all helped her get that debt lowered. Lisa shared that she was proud of the work she has done and that Catholic Charities Financial and Housing Counseling staff were 'considerate, compassionate and very helpful."
Learn more about our Financial and Housing Counseling services here.
Our Recent News
At Catholic Charities, we are blessed to witness moments that reveal the true spirit of community. During a recent visit to our St. Cloud Senior Dining program, our team saw one of those moments firsthand. Grandpa Ray and his grandson, Noah, were preparing to deliver meals—a routine that has become a treasured family tradition. Ray often brings all three of his grandsons, turning service into something that strengthens their bond while uplifting others. Our Senior Dining Coordinator, Kim, shared that Ray and his grandkids have become a bright spot for many of the neighbors we serve. For those receiving meals, it’s not just about nutrition. It’s the warmth of a familiar smile, the energy of young people at the door, and the reminder that they are seen and cared for. This simple act of delivering meals shows the power of serving together—building community, connection, and hope one doorstep at a time. We depend on volunteers like Ray—and like you—to bring compassion to our neighbors. If you feel called to serve, explore our volunteer opportunities, including meal delivery and family volunteering. Your kindness could be the moment someone looks forward to each day. Make an impact and volunteer with us!
Mental Health Awareness Month is a time to honor the courage it takes to seek support, the resilience people carry within them, and the professionals who walk alongside individuals on their healing journeys. At Granite City Counseling—a program of Catholic Charities of the Diocese of St. Cloud—Jennifer Lieser Eschmann, MSW, LGSW, embodies that mission every day. Jenny’s path into mental health care began long before she earned her graduate degree. With 20 years of social work experience, she had already spent much of her life serving diverse communities and supporting individuals through life challenges. She graduated from Saint Benedict/Saint John’s in 2004, later pursuing her Master of Social Work to deepen her ability to support others. As part of her MSW training at St. Cloud State University, Jenny completed an internship at the St. Cloud Veterans Administration, gaining meaningful experience supporting veterans and their families. She also worked in higher education, promoting mental health initiatives, and helping students access the care they needed. Before her graduate studies, she served for many years as a Licensed Social Worker, working with a wide range of populations. These experiences shaped her, strengthened her, and gave her a broad, compassionate understanding of the people she serves today. A Person-Centered, Strength-Based Approach Jenny’s practice is grounded in person-centered care and a deep belief that every individual carries strength worth recognizing and nurturing. She incorporates: Cognitive Behavioral Therapy Motivational Interviewing with a focus on the Stages of Change Mindfulness techniques A strong emphasis on self-care and resilience She specializes in supporting individuals experiencing depression, anxiety, grief and loss, stress, and challenges related to self-esteem and confidence. Helping people recognize their own strengths and potential isn’t just part of her job—it’s her passion. At Granite City Counseling, she works with individuals from many backgrounds, offering a safe, secure, and welcoming space where clients can share openly—often from deeply vulnerable places. She sees this as a privilege, not a task. Jenny wants future clients to know that they are not just a number. At Granite City Counseling, care is personal, intentional, and rooted in genuine compassion. Outside of work, Jenny enjoys spending time with her friends and family—especially cheering on her daughter at sporting events. She loves finding great bargains and looks forward to new travel adventures whenever she can. A Message for Anyone Who Is Struggling If you or someone you know needs someone to talk to, Jenny wants you to reach out. Support is here, and healing is possible. Visit https://www.granitecitycounseling.com/ or call 320‑650‑1550. You deserve care, connection, and a place to feel heard.
Every July, something powerful happens across Minnesota. Communities come together, neighbors support neighbors, and food shelves receive a boost exactly when they need it most. This year, Catholic Charities of the Diocese of St. Cloud is once again proud to join the 17th Annual Open Your Heart to the Hungry and Homeless Summer Challenge—a statewide effort to strengthen food access during the summer months, when demand on food shelves rises. When school lets out for the summer, thousands of Minnesota children lose access to reliable meals. At the same time, donations to food shelves typically drop. This creates a seasonal gap that leaves many families struggling to put food on the table. The Summer Challenge helps bridge that gap. Through this initiative, participating food shelves—including Catholic Charities Emergency Services Food Shelf—receive a proportional matching grant based on the funds raised throughout July. That means every gift made this month goes even further, helping us serve more families across Central Minnesota. Last year, Minnesota food shelves reported more than 9 million visits, the highest number ever recorded. Rising food costs and ongoing economic instability continue to push families toward emergency food support at unprecedented levels. As one of the largest providers of emergency food assistance in Central Minnesota, Catholic Charities sees this need every day. In 2025 alone, 83 food shelves across the state participated in the Summer Challenge, raising $2.4 million to keep shelves stocked. Grants awarded ranged from $150 to $4,000, depending on each organization’s fundraising totals. This year’s theme—Kicking Hunger Together—aligns with the excitement of the World Cup, reminding us that teamwork, unity, and community spirit can make a real difference. Local Impact: How Your Support Helps Here in Central Minnesota, Catholic Charities Food Shelf continues to experience record demand. Participation in the Summer Challenge strengthens our ability to meet this need and ensures families have reliable access to nutritious food all summer long. Every donation helps us: - Keep shelves stocked with healthy, essential foods - Support families facing unexpected hardship - Ensure children have access to meals during summer break - Respond quickly to rising demand in our community Throughout July, your support has double the impact thanks to the Open Your Heart Summer Challenge. Whether you give online, host a food drive, or help spread the word, you’re part of a statewide team working to ensure no Minnesotan goes hungry. Make a gift now at https://wgv.to/catholic-charities-of-the-diocese-of-st-cloud
