No matter how much or how little money you have, money management skills and good financial practices are needed. While it is difficult to think about planning for the future when pay day is a week away and your wallet and checkbook are empty, you can learn to manage dollars carefully. Financial planning is important.

Our Money Management course will help you:

• Organize financial records
• Plan your spending
• Learn how to save money for your goals
• Know what you want to do with money
• Learn about credit and how to keep control

The cost of the course is $25.00. Pre-registration is required; call 850-833-7474 or 850-689-7938 for class location and more information.

The following is a brief overview of the lessons offered in our Money management Course

Banking Basics
Most people who pay bills, save and invest money, pay taxes or plan estates, do so through a bank or other financial institution such as a credit union, brokerage house or savings and loan (S&L). this lesson covers the basics of selecting a bank and setting up and managing a checking and savings account.

Developing a Budget
Have a better picture of your current financial standing. This lesson discusses cash flow, income, and expenses. You will be working with worksheets to determine critical information about your income and what you owe.

Stop Spending Leaks
This lesson will help you examine your spending habits to see if any problems exist. There are suggestions for changing spending practices and habits. Worksheets help you and other family members commit to a personal plan to change spending habits so funds can be used to reach important goals.