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 April 28, 2026
Catholic Charities of the Diocese of St. Cloud is celebrating a meaningful boost to its Senior Nutrition efforts thanks to a generous $57,856.54 donation from the CentraCare Foundation. This contribution will support the full spectrum of Catholic Charities Senior Nutrition services — including Meals on Wheels, senior dining, and other nutrition initiatives that help older adults access healthy, reliable meals across central Minnesota. On Thursday, April 23, Catholic Charities President & CEO Aaron Fisk, Food Access Director Stacy Lund, and Senior Nutrition Manager Shannon Nolan gathered to accept the check from CentraCare Foundation. The gift represents a powerful investment in the health, independence, and dignity of seniors throughout the region. “We are grateful to the CentraCare Foundation for this generous donation. This support will have a significant and immediate impact on the older adults we serve,” said Stacy Lund, Food Access Director. “With this contribution, we can strengthen access to nutritious, consistent meals for seniors who face food insecurity. Nutritious food is a critical component of healthy aging, and your support helps us improve meal quality, expand service capacity, and maintain reliable nutrition assistance for seniors striving to remain healthy, independent, and safely in their homes.” Catholic Charities Senior Nutrition programs — including Meals on Wheels — provide nutritious meals, wellness checks, and social connection to at‑risk, homebound, ill, and vulnerable adults age 60 and older. For many seniors, especially those living alone or managing chronic health conditions, these daily visits and meal services are a lifeline. CentraCare Foundation’s mission centers on improving community health and well‑being. Their investment in Catholic Charities Senior Nutrition reflects a shared commitment to ensuring older adults have access to the nutrition and support they need to remain healthy and independent at home. This donation will help Catholic Charities continue expanding its reach, improving meal quality, and ensuring that no senior in need goes without a nutritious meal. To learn more about Catholic Charities Senior Nutrition programs or to inquire about services for yourself or a loved one, visit ccstcloud.org .
By Jenna Pettit March 27, 2026
Catholic Charities is thrilled to announce the success of our 16th Annual Pack the Porches Food and Fund Drive, held on March 27th, 2026.
By Brittany Hoversten March 5, 2026
If you ask anyone at Emergency Services, they’ll tell you the same thing: Nikki is unstoppable. Every single day, she goes above and beyond for Catholic Charities, our clients, and her team. Nikki is a proud mom of two, and her youngest recently moved out on their own. Life hasn’t always been easy—she lost her children’s father suddenly in 2006, a time she describes as chaotic and life-changing. Today, she’s in a happy relationship and loves spending time at the cabin, traveling, riding motorcycle, and making the yearly trip to Sturgis. Catholic Charities “found” Nikki in a very full-circle way. At the time, she was helping her dad with his job as a grocery vendor—the same stores that donate to Catholic Charities. difference for the community every day. At the end of each night, she lays her head down knowing she helped someone—and that’s what keeps her going. When her dad broke his elbow, Nikki stepped in to help him. Her strong work ethic caught the attention of a Catholic Charities program manager who had grown up with her dad. He saw something special in her and offered her a position. Her first assignment? Driving the Catholic Charities food truck—even though she had never driven a truck before. She remembers being terrified backing down the ramps, but her supervisor simply told her, “Keep it between the yellow lines.” She did—and that moment sparked the confidence that has fueled her ever since. Over the past 13 years, Nikki has worked in nearly every corner of Emergency Services. Nikki originally got pulled into Mardi Gras because her mom is crafty, and she’s been involved ever since. She especially loves the decorating and seeing everything come together. Last year’s event was particularly wild with so many new people, but Nikki’s natural leadership helped bring everyone together to create a fantastic experience. When asked what motivates her, Nikki doesn’t hesitate: positive thinking. “Negative thoughts will never give you a positive life,” she says. She believes positivity is contagious, and her mantra is simple: Do the best you can with what you have, take it one day at a time, and always pay it forward.