Future Outlook - Debt & Credit Management Workshops


	Lifetime Money Management 401(k) & Retirement Planning Debt & Credit Management Saving & Investing

Debt & Credit Management Workshops

Your Money and Your Life! [3.5 hours]
Your Money and Your Life! is for those who wish to learn basic financial skills and practice them in their daily lives. This workshop presents a complete and realistic approach toward money and debt management that will help participants:

Set realistic and achievable financial goals
Put a simple, easy-to-use system into place that is a real-world alternative to traditional "budgeting"
Live within their means
Create a specific roadmap for reducing and eliminating debt
Successfully manage money for life

Reality Budgeting [90 minutes]
Reality Budgeting is the first part of Your Money and Your Life!, described above, and is ideal for those who wish to approach financial education one step at a time. You will learn a realistic system for day-to-day money management. Instructors demonstrate how to classify, handle, and control the three major areas of spending: Monthly, Irregular, and Flexible. This class is also a good refresher on the money management system for those who have already taken Your Money and Your Life!.

Conquer Your Debt [90 minutes]
This course, part two of Your Money and Your Life!, presents a straightforward system for debt reduction and elimination. You will learn, and then practice, a quick and sensible method for reducing and eventually phasing out your debts. The practical, long-term benefits of becoming and remaining debt-free are also discussed. This course is ideal for those who want to better organize their loan and debt information, as well as a good refresher on the debt elimination system for those who have already taken Your Money and Your Life!

Structuring Your Loans [90 minutes]
This class will help you understand the real meaning behind lending terms like "principal," "interest," and "debt-to-income ratio." Learn how debt can get out of control, negative consequences of late payments or overuse of debt, and methods of finding extra money. Identify the key elements involved in any loan and the major loan types available, ranging from those you should usually avoid to those that can positively contribute to your financial well-being. In addition, you will understand the pros and cons of bankruptcy, and why it may not be the best solution for your personal financial situation.

Checkbook Balancing 1-2-3 [90 minutes]
Nobody enjoys balancing their checkbook. But this class will show you a three-step process that will make it easier. Learn how to quickly "catch up" if you haven't balanced your checkbook for a while. Pick up many useful ideas for saving money and time on banking services.

Credit Report and Scoring Fundamentals [90 minutes]
What's in your credit report, and what does it mean? How is your credit score determined, and how do you improve it? This course will remove the mysteries surrounding your credit report and credit score. You will learn to read and interpret the information in your credit report, understand your credit score and, most importantly, obtain the tools to improve your credit records. You will also learn how to determine whether you are in your "debt comfort zone." You will understand what it takes to get approved for a loan or credit line.

Power Over Plastic [90 minutes]
Over-indulging with credit card spending can lead to serious financial problems. This class helps you understand the psychology of spending and why credit cards can lead to overspending. Learn how to recognize your spending habits, become more aware of what you're buying, and develop methods for deciding whether or not the expenditures are necessary. Learn to decide when to use or not to use credit. Compare your cards and decide which ones to keep.