Program 01
Credit & financial
confidence.
A 10-week introduction to the money skills that support informed choices, stability, and goals that feel possible.
weeks
Your money.
Your future.
Designed for virtual delivery, schools, libraries, and community settings, this workshop is a judgment-free space to learn, discuss, practice, and reflect.
Participants explore credit, debt, banking, saving, financial risk, and the habits that make a personal plan real.
The roadmap
Ten weeks of real-life money skills.
- 01
Financial Future & Goals
Set goals with a cost and timeline, understand how money choices affect freedom, and build basic credit awareness.
- 02
Understanding Credit Scores
Break down credit scores, payment history, utilization, credit history, and the difference between hard and soft inquiries.
- 03
Building Credit Safely
Compare credit-building options, including authorized-user status, secured cards, credit-builder loans, and rent reporting, while keeping payments manageable.
- 04
Budgeting & Cash Flow
Map income and expenses, separate needs from wants, and use a realistic monthly budget to create room for priorities and savings.
- 05
Debt & Interest
Understand borrowing, APR, repayment periods, and warning signs such as high-cost debt, unknown balances, and long-term minimum payments.
- 06
Credit Reports & Identity Protection
Read the information in a credit report, identify possible errors, understand dispute steps, and protect personal information online.
- 07
Banking Basics
Compare checking and savings accounts, banks and credit unions, fee schedules, ATM access, overdraft settings, and account needs.
- 08
Scams & Consumer Protection
Recognize pressure tactics, suspicious requests, phishing, impersonation, risky payment methods, and other common red flags.
- 09
Saving & Building Wealth
Build a repeatable savings habit, understand emergency funds, and turn a goal into a monthly amount with a clear timeline.
- 10
My Financial Action Plan
Review the course, create a 30-day action plan, and put budgeting, saving, credit awareness, and information protection into practice.