OnTrack offers financial education throughout December

December Financial Education Schedule
Classes are free unless noted. Pre-registration required. Call today at 255-5166.

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How to Find Extra Income in Your Day-to-Day Life - Getting a second job or working extra hours are only two ways to help increase your cash flow. We will do several exercises to help you build a personalized plan to creatively decrease expenses and increase income.

• Wednesday, December 2 from 5:30 to 7:00 pm - offered thru the Women's Financial Empowerment Center
• Wednesday, December 16 from 12:00 to 1:00 pm - offered thru the Women's Financial Empowerment Center

Raising a Money Smart Child- Curious about how to teach your child about money but not sure where to start? This class will discuss easy to implement strategies to teach your child valuable life lessons about money from an early age through the college years.

• Thursday, December 3 from 12:00 to 1:30 pm - offered thru the Women's Financial Empowerment Center

Manage Your Money Series - Our most popular seminar deals with the basics of budgeting, setting goals, planning spending to realize goals, saving strategies, and tracking spending.

• Saturdays, December 5 & 12 from 9:00 am to 12:30 pm

Homebuyer Education Series - ($50.00 participant fee) Our HUD-certified course provides a step-by-step explanation of the home-buying process, a fantastic resource book, and an opportunity to interact with local real estate / lending / legal professionals so that you can make an informed decision about the biggest investment you will probably ever make. Certificate received upon completion.  

• (4-part class) Mondays & Wednesdays, December 7, 9, 14 & 16 from 5:30 to 8:30 pm

What Every Woman Needs to Know- Everyone uses money, but not everyone approaches it the same way. This group education class will explore the differences in how women approach money; how our thoughts and feelings, and even our fears, both help and hinder us. We can learn to take advantage of our unique ways of decision making, and also our approaches to the risks and rewards of personal finance. Consider this issue that affects women the most: since we live longer than men, but still tend to earn less over a life-time, what's a woman to do? This workshop will help you figure it out!

• Tuesday, December 8 from 12:00 to 1:00 pm - offered thru the Women's Financial Empowerment Center

Understanding Credit. Get it. Keep it. Improve it. - Find out what you know about credit!  Learn what credit is, how to fix your past credit mistakes, read your credit reports, understand credit repair, and more.

• Wednesday, December 2 from 12:00 to 1:30 pm OR
• Thursday, December 10 from 5:30 to 7:00 pm OR
• Tuesday, December 15  from 12:00 to 1:30 pm OR
• Monday, December 21  from 5:30 to 7:00 pm OR
• Tuesday, December 29  from 12:00 to 1:30 pm

Understanding Reverse Mortgages 

- Learn the basics about Reverse Mortgages. This class will help you:

- Finally understand what a reverse mortgage is and how they work.

- Learn about how reverse mortgages can provide cash to homeowners over age 62.

- Understand how the loans are paid back.

- Learn about different scenarios and how a reverse mortgage can be helpful; and

- Determine if you have enough equity in your home for a reverse mortgage to be a good solution for you.

·         Thursday, December 17  from 12:00 to 1:30 pm