Budgeting and Net Worth
Virtual
You will learn how to develop a written monthly Budget and set up a Budget Book. You will
gain strategies to avoid deficient monthly spending (staying out of the hole) and identify sources
of money to set aside for an Emergency Fund. You will also learn how to calculate your Net
Worth and explore ways to increase your Net Worth.
Managing Debt
Virtual
You will learn how to distinguish between wise and unwise debt and how to apply a 7-Step
Strategy for repaying debt. You will learn 4 questions to consider before each purchase on
credit, how to watch for pitfalls of overextending yourself on a car and other purchases, how to
avoid holiday season debt.
Financial Planning
Virtual
You will learn how to define and create a Financial Plan. You will identify financial goals and
develop strategies to measure the progress of financial goals and achieve financial goals. You
will plan for monthly expenses and income in retirement. You will consider insurance coverage
needs.
Buying a Home
Virtual
You will explore benefits of home ownership and mechanics of home mortgages. You will
consider home buying programs for first time home buyers, veterans, and others. You will
understand private mortgage insurance and predatory lenders. You will learn steps to follow
when buying a home.