Building a Strong Financial Future
Learn how to create an outlook for their finances that will create motivation and discipline, and develop specific, attainable financial goals that fit with their values. Participants will also develop the necessary tools for maintaining a simple and effective spending plan, and create a plan for building a strong financial future
Building the Foundation for Financial Wellness
Are you looking to improve your financial picture, but you're not sure where to begin? Building the Foundation for Financial Wellness offers the opportunity to get started the right way… with vision, outlook, and motivation backed by a solid plan.
Learn how to:
- Develop specific, attainable goals that fit with personal values
- Follow the correct steps in developing an effective spending and savings plan, and
- Build the foundation for financial wellness.
Confessions of a Shopaholic
Overspending has become a celebrated activity in our culture. Everyone likes to spend money on the latest and greatest… tablets, smartphones, smart TV’s, etc. Unfortunately, overspending can severely hinder our financial wellness and prevent us from achieving our full potential in building wealth and security. In this session you will learn how to gain control over your spending, have a correct “money mentality”, be a savvy shopper, and overcome spending problems.
Credit Reports, Scores, and all that Fun Stuff!
The topic of credit can be daunting when you consider everything involved. With so many changes and regulations, it's difficult in this day and age to have a solid grasp of things such as credit scores, credit reports, and what is considered to be good credit. Through Credit Reports, Scores, and all that Fun Stuff consumers learn how to order their credit report, how to read their credit report, how to dispute and correct inaccurate credit reporting information, how to repair and rebuild damaged credit, and strategies for debt management.
Dealing with Debt Collectors
When it comes to dealing with debt collectors, many consumers feel lost not knowing where to begin. This class is the perfect way to gain the knowledge and confidence needed to tackle old collection debts with skill and ease. The class covers what collectors can and cannot do, how debt collectors get paid, options for responding to a debt collector, record keeping, enlisting the help of an attorney, and options when a debt collector violates the law.
Defeating Your Debt
It's estimated that the average American household owes almost $10,000 in credit card debt alone, representing minimum payments of almost $400 a month. Covering strategies for negotiating interest rates, negotiating settlements, and developing repayment plans, this class empowers consumers to take charge of their debt and work towards a debt-free lifestyle.
Don't Live for Your (Student) Loans
The average college student graduates with approximately $27,000 in student loan debt. This session will equip you with the knowledge and power to handle your student loans like a pro! You will learn about the vast benefits of paying off your loans faster, the helpful payoff programs that are available through the federal loan program, and how to maximize your repayment efforts so you won’t ever be buried by your loans. Corresponding materials and handouts will be provided to arm you with useful tools and practical resources.
Eating Healthy on a Budget
Participants learn the best strategies for getting the most out of their food dollar. At the same time we discuss important strategies to follow when shopping and share helpful meal planning ideas.
Managing Finances During a Crisis
In this session, you will learn how to create an emergency budget and manage your expenses on a reduced income. Additionally, you will receive helpful resources to help you with deeper financial issues related to debt repayment and credit. You can also get connected to a financial counselor if needed.
Paper or plastic… Avoiding debt disaster!
Borrowing money doesn’t usually conjure thoughts of anxiety or fear, but often borrowers end up with debt “horror stories”. The first area that many individuals get tripped up with is a credit card. In this session you will learn about the good and the bad of credit cards – rewards, interest, fees, limits and more. Find out how to use a credit card to establish your credit history, stay out of debt, and use credit the right way. You will also find out about some of the consequences of a debt disaster such as bankruptcy, judgments, and garnishments.
Planning for the Holidays – Without Breaking the Bank
Learn how to plan, prepare, and manage holiday expenses. Receive tools that will help you reduce your holiday costs and increase your holiday enjoyment.
Protecting Your Personal Information
Identity theft is one of the most pervasive crimes in our nation. It impacts individuals from all walks of life and is typically carried out by a person that is known to the victim. Criminals are continually developing new ways of farming sensitive personal information to carry out their crimes. In this ever-changing landscape of electronic transactions and information sharing technology, it's vital that we continually learn what measures we need to take to remain safe. This class lays the groundwork for what we need to do to combat identity thieves.
Stress and Money
Have you ever paid a bill late because you forgot the due date? Many individuals cause themselves unnecessary stress, lose money, and time by not having an organized household. Put a stop to unnecessary fees and additional stress by creating a solid plan to manage finances and declutter your space. This workshop will review a plan to stay organized, get your budgeting system together, and become debt fee so you can live a balanced lifestyle.