Financial Workshops

Understanding Your Credit Report and Credit Score

Did you know that there are ways to improve your credit score and get lower interest rate offers on home and auto loans? Have you ever been told to close old credit card accounts to help improve your credit score? In this class, we will discuss the components of a credit score and examine some of the common myths. You will learn strategies for increasing your score and learn to avoid doing things that can negatively impact it. Learn how to get your free credit report, how to read it, and how to dispute and correct any errors that you find.

Budgeting 101

Budgeting is a way to take control of your finances and achieve financial health. During this class, we will walk you through a 5-step budgeting process, and teach you how to create long and short-term financial goals. We'll discuss money saving techniques and review tools and technologies that can be used to make your budgeting process easier.

Identity Theft

Identity thieves would like to have a shopping binge at your expense. About 10 million Americans are victimized each year and these thieves don't discriminate. It doesn't matter if you are poor, rich, young or old. You are a potential victim. In this class, we will examine the different types of identity theft, what you can do to protect yourself, six common mistakes that leave you open to identity theft, warning signs that you might already be a victim, and what to do if you are a victim of identity theft.

Smart Shopping for Credit Cards

Choosing the right credit card is one of the first important financial decisions made by many young people. Unfortunately, many choose a credit card based on the free gift they will receive instead of the terms and conditions. This class is a great resource for your high school or college student or even for those young adults who have never had a credit card before! We will discuss what to look for when choosing a credit card including APR, grace period, finance charges, transaction fees, and reward plans.

Basic Money Management

Do you feel like your financial life resembles a hurricane? You know you received that bill in the mail a few weeks ago, but don't know where you put it, or if you even paid it? Do you have a lot of unsecured debt and want advice on how to pay it down? Basic Money Management examines the fundamentals of a healthy financial life: organizing your bills, reducing your debt, saving for your future, and knowing your rights regarding debt collectors.

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