We offer group educational programs that promote financial literacy. These workshops are easily adaptable to all segments of our community and they can be delivered on-site for civic organizations, churches, schools, employee groups, and more. More specific information about them follows:
Personal Money Management
- Setting financial goals.
- Distinguishing between needs and wants.
- Tracking monthly spending.
- Creating a budget.
- Prioritizing spending and shopping wisely.
- Program can be tailored to young adults.
Understanding Credit
- Distinguishing between the various types and sources of credit.
- Establishing and reestablishing credit.
- Warning signs of debt overextension.
- Tips for wise credit management.
- Options for managing debt.
- Program can be tailored to young adults.
- “Student borrowing” for high school and college audiences.
Money and Credit Management
- Combines the above two workshops into one.
Transitional Financial Management
- Teaches essential money and credit management skills relevant to those dealing with transitional events such as retirement, separation from the military, and reentering the workforce.
Obtaining and Understanding Credit Reports
- How to obtain free copies of your credit report.
- Positive/negative impact of credit use.
- How to read, understand, and dispute/correct information on your credit report.
Identity Theft/Credit Fraud
- Various forms of identity theft/credit fraud.
- Steps to take if your identity has been stolen.
- Tips to reduce chances of identity theft/credit fraud.
- Obtaining and understanding credit reports.
“Consumer Beware” Issues
- Consumer rights and responsibilities in the market place.
- Legislation and regulations that protect consumers.
- Remedies that can be employed in situations where consumers have delinquent debt(s).
- Repercussions of, and the true costs involved in, using non-traditional avenues for financing (“pay-day loans”, pawn shops, etc.)
Homeownership Education
- How to make an offer to buy a home.
- Roles of buyers, sellers, real estate agents, and more.
- The importance of home inspections.
- Costs of renting vs. buying.
- Overview of the mortgage application.
- Differences between loan products.
- Housing–related terminology.
- Closing costs and documents.
“Better Fortunes. Control Your Money. Control Your Life.”
If you can’t attend one of our group workshops, you can still obtain valuable money/credit management information from our online financial education program.