"Credit Management - How to Use Credit Without Losing Control"
Discover how to choose the best credit card for you and how to use it wisely. Find out how to access your credit report for free and how to correct errors in your reports. Know how to avoid hidden costs in using credit. Learn what factors make up your credit score and what you can do to maintain a good score.
What should you do if your identity is stolen? What steps should you take if you get into trouble with credit? Who should you go to for help? All this and more will be covered in this workshop.
Presenter: Jennifer Abel, Accredited Financial Counselor, Virginia Extension Service for Arlington County
1. "Budgeting - Be in Control of Your Life and Money"
Find out how to align your goals and your finances. Determine what is most important to you and how to plan for realizing it. Discover the importance of early saving and investing for lifetime rewards.
What costs do you need to plan for in your new working life? What are the smart ways to use your money? What are standard guidelines for living costs, transportation, food, clothes and entertainment, and how should you modify them to fit your lifestyle?
Presenter: Diane Hoyer, Financial Services Representative, Women Helping Women with Finances, Vienna, Va.
2. "Investing - YES, You Can!"
Your saving and investment habits will determine if you retire at 55 with a beach house in Belize or at 75 in a shack. In this workshop you will learn how to make yourself put aside money now for the future; every little bit counts. We’ll talk about the financial products readily available to you without using a financial advisor. In addition, we will translate financial jargon -- stocks, bonds, mutual funds, money market accounts, CDs, and munis -- into money-making terms.
Presenters: David Romney, Financial Education Specialist, Arlington Virginia Federal Credit Union, and Oliver York, Financial Advisor