In-Person Money & Credit Management Education

Money and credit management are not innate skills. Rather, sound fiscal management is developed through learning the tools and the knowledge necessary to build a stable financial life based upon firm financial principles. With these topics being far removed from most educational curriculums and family households, it is no wonder that consumers are making poor financial decisions and not using credit responsibly. According to the Federal Reserve Board, consumer debt has grown to a staggering $2.4 trillion as of the end of 2006. Given that, now, more than ever, consumers should start to rethink their spending habits and the way they think about saving and spending money, as well as using credit. Poor financial decisions and a lack of consumer knowledge can lead to serious consequences. Last year alone, over 621,000 Americans filed for bankruptcy.

The goal of the agency’s in-person money management education course is to provide basic proactive money management education. Budgeting tips and skills will be discussed, such as setting financial goals, choosing between “wants” and “needs,” allocating for periodic expenses, prioritizing spending, keeping accurate records, developing a written budget, and setting aside for savings/emergency funds. During the agency’s in-person credit management education course, the instructor will discuss with participants the different types of credit available, the true costs of credit, tips for wise credit management, ways to establish/re-establish credit, and the importance of obtaining/reviewing/disputing credit history.

Both the in-person money management and credit management courses are free (however, we do accept donations). The workshops are scheduled on a rotational basis every Wednesday evening from 5:30 – 7:00 PM in the Warner Robins office located at 748 N Houston Road, Suite H, Warner Robins, GA. Money Management will be offered the 1st and 3rd Wednesday evening of each month and Credit Management will be offered the 2nd and 4th Wednesday evening. To register, please call 478-922-1141 or 478-745-6197. Seats are limited! Call now to reserve your spots!