Make God's Love Visible: Gary's Story

October 30, 2024

From Overwhelmed to Empowered: Gary’s Financial Counseling Journey

Gary has been a client of Catholic Charities Financial and Housing Counseling program since 2013.


He was referred to the program by his family after it became overwhelming for his mother and three sisters to manage his finances. Gary was having trouble paying all his bills, including his rent. When it became clear that he could face eviction, his family offered to help him cover his back rent if he would meet with a financial counselor at Catholic Charities.


Gary enrolled in Catholic Charities managed checkbook service program which offers managed checkbook services through a local bank where clients’ funds are held in a protected “For the Benefit Of” account. 


Your gift to Catholic Charities provides Gary and thousands of others the help they need AND gives them a chance for a brighter future.


For the past decade Gary has been meeting with Emily, a Catholic Charities Financial and Housing Counselor, at the beginning of each month. Over the years, a positive professional relationship has developed between Emily and Gary. As his trusted advisor, Gary feels comfortable and safe asking Emily to help with his finances. With Gary’s permission, Emily is also able to keep his family informed of his finances and provide them with peace of mind.


Through the managed checkbook service, Gary’s essential bills such as rent, health insurance, car insurance, and utilities are paid. After these bills are paid, Gary receives a weekly spending check which is used for items such as gas, food and medication. Along with receiving social security, Gary works and over the years has built up a healthy balance in his checking account. This allows him to weather any unplanned emergency such as a health crisis or car repair. 


Catholic Charities Financial and Housing Counseling helps keep people in their homes, become more financially self-sufficient and maintain a safe place for their families to live. We meet people where they are and empower them to build the skills necessary for future financial success, stability and independence. Last year, 472 individuals like Gary received financial and housing counseling services.


Our ability to continue helping our neighbors depends on donors like YOU. Please consider donating to Catholic Charities today to provide help and hope to people in their hour of greatest need.  



“Financial and Housing Counseling services from Catholic Charities is something that we had no idea was available until a friend of the family suggested it. As a family it has brought peace of mind for us all, knowing that Gary’s finances are being expertly managed.” - Gary’s sister, Ann

Donate to Make God's Love Visible
Make God's Love Visible

Our Recent News

By Brittany Hoversten July 26, 2025
In 2024, Rebecca and Daniel were facing a difficult reality: their home was in the foreclosure process. With Daniel recently diagnosed with a serious, terminal illness, Rebecca had become the primary financial provider while also caring for her husband and their disabled daughter. What began as a hopeful purchase of a home in 2022 quickly became a financial burden as life’s unexpected challenges took a heavy toll on their family. Overwhelmed and unsure of how to move forward, Rebecca and Daniel turned to Catholic Charities’ Financial and Housing Counseling program for help. After meeting with one of our experienced counselors, they gained a clear understanding of the foreclosure process in Minnesota, including available options and timelines. The first step was to assess their hardship and review their home’s affordability. Despite Rebecca’s best efforts to contact the mortgage company, the stress of managing multiple responsibilities made it difficult to complete the required paperwork. Our counselor worked directly with the mortgage company, helping Rebecca and Daniel fill out the necessary forms. As a result, they were offered a partial claim mortgage assistance program that allowed them to bring their mortgage current and stop the foreclosure. “I don’t have to worry about losing our home while dealing with Daniel’s healthcare needs,” Rebecca shared with relief. Our team also helped the family apply for energy assistance and connected them with additional social security resources, further supporting their financial recovery. Catholic Charities’ Financial and Housing Counseling program, available since 1982, has no income limits and provides expert guidance to anyone looking for assistance. As a licensed U.S. Department of Housing and Urban Development (HUD) provider, we are committed to helping individuals make informed financial decisions and build a secure future. Rebecca’s heartfelt gratitude says it best: “Many thanks to you, Lois, for everything you do for us!! God Bless You!”
By Jenna Pettit July 7, 2025
Catholic Charities of the Diocese of St. Cloud receives $10,000 grant from Federal Home Loan Bank of Des Moines and Stearns Bank through the Member Impact Fund Grant program supports affordable housing and community development
By Brittany Hoversten July 1, 2025
Summer should be a time of fun and freedom — but for many families in Central Minnesota, it’s a time of deep uncertainty. Without school meal programs and with rising grocery prices, far too many of our neighbors are struggling to put food on the table. That’s why we’re excited to announce that Catholic Charities Emergency Services Food Shelf is once again participating in the Open Your Heart to the Hungry and Homeless Summer Challenge — and we need your help! What Is the Summer Challenge? Every July, food shelves across Minnesota take part in the Open Your Heart Summer Challenge — a statewide fundraising effort where donations are matched through grant funding. That means every dollar you give to our food shelf during the month of July helps us qualify for a matching grant of up to $4,000. It’s a powerful way to double your impact and ensure we can continue meeting the growing need in our community. The Need Has Never Been Greater Food insecurity remains heartbreakingly common in our state. According to a 2024 statewide hunger study, 1 in 5 households in Minnesota are food insecure. Here at Catholic Charities, we’ve seen that need firsthand. Our food shelf has seen a dramatic rise in the number of shoppers — including many families who have never needed help before. The cost of food is higher than ever, and families are forced to make tough decisions between buying groceries and paying for rent, gas, or medications. What We’re Doing At Catholic Charities Emergency Services Food Shelf, we offer more than just food — we offer choice, dignity, and hope. Our shoppers are able to select the food that fits their family’s dietary, cultural, and health needs. We provide a respectful, welcoming experience and access to nutritious foods, including fresh produce, meat, and dairy. In 2024, we distributed over 2.7 million pounds of food through our food shelf, mobile outreach, and emergency food bag programs — but we can’t do it alone. How You Can Help This July, your support means more than ever. Every donation made to our food shelf during the Summer Challenge will be matched through the Open Your Heart Summer Challenge, stretching your gift further to help feed families in Central Minnesota. ➡️ Donate Today: Click here to give now Thank you for being part of this mission of compassion and community. Want to learn more about our Food Shelf and other food programs? Visit ccstcloud.org/food-services To learn more about the statewide Summer Challenge, visit oyh.org/summer-challenge