Our Programs
Financial LiteracyA 3-week program teaching women essential financial management skills
about the program
Mission
To provide women with the skills to manage their finances effectively, so that they can plan for their future investments and a financially stable future.
Workshops will teach women essential financial skills such as maintaining good credit, banking fundamentals, and purchasing a house.
Program details
Workshop Topics
Good Credit
In our Good Credit workshop, you’ll master the fundamentals of maintaining good credit.
Key Understandings
- What Good Credit Means: Discover the definition of good credit and why it’s crucial for your financial health.
- The Impact of Good Credit: Learn how your credit score affects your ability to make significant life purchases and investments.
Practical Skills
- Building and Managing Credit: Gain insights on how to establish and maintain good credit, including strategies for using credit cards wisely and managing loans effectively.
- Navigating Credit Reports: Understand how to read and interpret your credit report and how to spot and resolve inaccuracies or fraudulent activities.
Empowerment Tools
- Credit Improvement Strategies: Receive actionable advice on improving your credit score and managing your financial obligations to ensure long-term stability.
- Rights and Responsibilities: Become knowledgeable about your rights concerning credit and financial dealings, and understand your responsibilities as a credit user.
Interactive Learning Experience
- Real-World Applications: Through hands-on activities, you will analyze real-life credit scenarios to better understand different financial situations.
- Community Support: Engage in group discussions and share experiences, creating a supportive network that fosters learning and growth.
This workshop will equip you with the tools to navigate your financial world with confidence.
Managing Money
In our Managing Money workshop, you’ll master the fundamentals of effective financial management.
Key Understandings
- What Money Management Is: Explore the basics of managing your finances, understanding what good money management entails and its significance in achieving financial stability.
- The Benefits of Managing Money Wisely: Learn how proper money management can help you meet financial obligations, save for future goals, and maintain financial security during uncertain times.
Practical Skills
- Budgeting and Expense Tracking: Acquire skills in creating and adhering to a budget, tracking daily expenditures, and balancing your accounts to keep your finances in check.
- Strategies for Increasing Income and Cutting Expenses: Discover various ways to enhance your income and practical tips for reducing your daily and monthly expenses.
Empowerment Tools
- Setting Financial Goals: Set realistic short-term and long-term financial goals using tailored worksheets and planning tools provided in the workshop.
- Understanding and Using Financial Tools: Gain knowledge on how to use financial tools like bank accounts and checkbooks effectively, and understand the role of these tools in managing your finances.
Interactive Learning Experience
- Hands-On Financial Activities: Participate in activities like the Checkbook Balancing Activity and budget planning exercises that simulate real-life financial management scenarios.
- Community Engagement and Support: Engage in discussions and group activities, share experiences, and receive feedback, creating a community that supports each other’s financial growth.
This workshop will empower you with the knowledge and tools to manage your money wisely.
Teens & Money
Key Understandings
- The Role of Parents in Financial Education: Understand the critical role parents play in shaping their children’s financial behaviors and attitudes, emphasizing the importance of early financial education at home.
- Teens, Money, and Social Pressures: Learn about the pressures teens face from peers and advertisers, and how parents can be strong role models to counteract these influences.
Practical Skills
- Discussing Needs vs. Wants: Gain strategies for teaching teens to differentiate between needs and wants, setting the foundation for sensible spending.
- Encouraging Work and Financial Responsibility: Explore how encouraging teens to work can teach them the value of money and instill lasting work habits.
Empowerment Tools
- Setting Financial Priorities: Help teens set financial priorities, understanding the implications of overspending and how it can lead to debt or financial instability.
- Practical Financial Activities: Use activities like budgeting exercises and needs vs. wants evaluations to teach financial planning and responsibility.
Interactive Learning Experience
- Real-Life Scenarios and Role Playing: Engage teens with real-life financial scenarios that challenge them to apply what they learn in practical settings.
- Community and Peer Discussions: Foster a community-focused learning environment where teens can discuss and share their experiences and takeaways from the workshop.
This workshop will provide you with the tools and knowledge to effectively communicate and teach financial responsibility to your teen, ensuring they are well-prepared to manage their finances as they grow into adulthood.
Banking Basics
Job Training Schools
Financial literacy is defined as credit and debt management and the knowledge necessary to make financially responsible decisions. Participants will learn essential financial management skills such as paying bills on time, creating and adhering to a budget, and managing their debt to effectively plan for future investments.
Identity Theft
Housing Discrimination
Key Understandings
- What is Housing Discrimination?: Understand the forms of housing discrimination, including denial of housing based on membership in a protected class, different treatment of renters or buyers, and more.
- Importance of Understanding Housing Discrimination: Learn why it’s crucial to recognize when your rights are being violated and how to respond effectively.
Practical Skills
- Identifying Discrimination in Rental and Sales: Recognize common discriminatory practices in both renting and real estate transactions, such as false statements about availability and unfair terms.
- Addressing Mortgage and Insurance Discrimination: Identify and address discrimination in mortgage lending and home insurance, including redlining and unequal treatment.
Empowerment Tools
- Rights of Disabled Renters & Buyers: Learn about the rights to reasonable modifications and accommodations to ensure full use and enjoyment of housing.
- Legal Framework and Remedies: Understand the legal protections under the Fair Housing Act and the processes for filing and resolving discrimination complaints.
Interactive Learning Experience
- Case Studies: Apply what you’ve learned to real-life scenarios to better understand how to identify and challenge discriminatory practices.
- Activities and Resources: Engage in interactive activities like crossword puzzles to reinforce learning, and utilize available resources to support actions against discrimination.
This workshop will equip you with the tools to identify, understand, and fight against housing discrimination, promoting fair housing practices for all.
Toolkits
Budgeting 101
Dive into the Budgeting 101 Worksheet, an engaging resource designed to transform the way you handle your finances! From tracking your spending to setting SMART goals, this worksheet makes managing money both fun and practical. Perfect for anyone looking to stretch their paycheck further or save for future dreams, it’s an essential tool in our Financial Literacy program that empowers you to take control of your financial destiny. Start Budgeting now!
Make a Budget
Get to grips with your finances using “Make a Budget” worksheet! It’s designed to help you see where your money goes each month, making it easier to manage and plan your spending. Perfect for anyone in our Financial Literacy program looking to get smart about saving and spending wisely. Make a Budget now!
Empowering Your Financial Health and Rights
Consumer Action is dedicated to advocating for strong consumer rights and promoting financial fairness for underrepresented communities. This nonprofit works nationwide to educate consumers and ensure policies that protect their financial well-being.
Meanwhile, Thrive provides personalized financial strategies to help you achieve stability and growth. Whether you’re planning for today or looking toward future goals, Thrive’s advisors are here to guide you every step of the way.
