Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved.Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 11

Program OverviewProgram Overview

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 2

Welcome to makingCHANGEWelcome to makingCHANGE

► The makingCHANGE financial education program is The makingCHANGE financial education program is designed to help you manage your money successfully.designed to help you manage your money successfully.

► Our program:Our program: Respects different learning styles including learning by Respects different learning styles including learning by

example, learning by reading, and learning by doing.example, learning by reading, and learning by doing. Provides users with a dynamic interface that gives fresh Provides users with a dynamic interface that gives fresh

information at each visit.information at each visit. Addresses different reasons people find themselves in Addresses different reasons people find themselves in

financial distress including poor spending habits/behaviors, financial distress including poor spending habits/behaviors, hitting a “bump in the road”, or lack of information and,hitting a “bump in the road”, or lack of information and,

Communicates content in an easy-to-understand manner.Communicates content in an easy-to-understand manner.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 3

Getting StartedGetting Started

► Go to: Go to: www.making-change.orgwww.making-change.org..

► While there, you can While there, you can take take

a QUIZ a QUIZ to learn more to learn more

about your spending about your spending habits.habits.

► Also, you can Also, you can Learn Learn

…more…more using the quick using the quick

fact sheets about credit fact sheets about credit counseling, budgeting, counseling, budgeting, saving, and bankruptcy.saving, and bankruptcy.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 4

Program FeaturesProgram Features

► Knowledge Vault: Traditional Course ContentKnowledge Vault: Traditional Course Content► Personal Tools: Apply Your SkillsPersonal Tools: Apply Your Skills► Other Features:Other Features:

Success StoriesSuccess Stories Spending HabitsSpending Habits Success StoriesSuccess Stories

► Extras:Extras: LinksLinks

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 5

The Knowledge VaultThe Knowledge Vault

Affording Health Care

Bankruptcy Basics

Budgeting for Success

Choosing an Automobile

Credit Counseling

Credit Ratings

Financing College

Planning Retirement

Understanding Credit Cards

Your Home

► Ten Courses on basic money Ten Courses on basic money management topics and life’s biggest management topics and life’s biggest spending decisions.spending decisions.

► Each course offers:Each course offers: Text-based contentText-based content A printable versionA printable version Links to resourcesLinks to resources A list of termsA list of terms A quizA quiz Other interactive tools for Other interactive tools for

applying the content applying the content

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 6

Personal ToolsPersonal Tools► Apply what you have learned Apply what you have learned

through the Personal Toolsthrough the Personal Tools► Use the Use the My budgetMy budget tool to tool to

create your budget and track create your budget and track your expensesyour expenses

► Use the Use the My debt My debt reductionreduction tool to create a tool to create a plan for paying off your debtplan for paying off your debt

► Use the Use the My savings plansMy savings plans tool to set savings goals and tool to set savings goals and create plans to achieve themcreate plans to achieve them

► Use the Use the My financial My financial contactscontacts tool to create your tool to create your list of expert financial list of expert financial resources at your fingertips.resources at your fingertips.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 7

Feature: Success StoriesFeature: Success Stories

► Visit the five Success Stories and learn how people can overcome different financial challenges by applying the basics of sound budgeting, debt control and saving.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 8

Feature: Spending HabitsFeature: Spending Habits

► Visit the Spending Habits Visit the Spending Habits area to compare how area to compare how your spending stacks up your spending stacks up against American against American averages.averages.

► AND… Don’t forget to AND… Don’t forget to also check out the tab to also check out the tab to find out how the average find out how the average family SHOULD be family SHOULD be spending their money.spending their money.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 9

Feature: Ask the ExpertsFeature: Ask the Experts

► View a list of frequently View a list of frequently asked questions on our top asked questions on our top ten topics.ten topics.

► View recently asked View recently asked questions on our topic of questions on our topic of the month.the month.

► Pose your own question Pose your own question for our experts for for our experts for consideration in a future consideration in a future month.month.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 10

Extras: Money-4-LivingExtras: Money-4-Living

► Follow the path to learn the basics of Follow the path to learn the basics of money management.money management. First track and analyze your First track and analyze your

expensesexpenses Next, find a job to meet your Next, find a job to meet your

expensesexpenses Then, choose banks and lenders Then, choose banks and lenders

to help you maximize your to help you maximize your moneymoney

Finally, follow the steps toward Finally, follow the steps toward homeownership.homeownership.

► Also, find help if you are in trouble Also, find help if you are in trouble through the Navigating Public through the Navigating Public Assistance tool.Assistance tool.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 11

Extras: Stages to ChangeExtras: Stages to Change

► How ready are you to change How ready are you to change your spending habits?your spending habits?

Use the tool to know where Use the tool to know where you are in the change you are in the change process and what you need process and what you need to do to make a permanent to do to make a permanent change in your financial life.change in your financial life.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 12

Extras: Spending on Main StreetExtras: Spending on Main Street

► Looking for more information?Looking for more information?

Spending on Main Street is a Spending on Main Street is a comprehensive collection of comprehensive collection of financial articles that will help financial articles that will help you go further in learning to you go further in learning to manage your money.manage your money.

Copyright © 2008-09 by makingCHANGE - A Financial Wellness Center. All rights reserved. 13

For more information, visit our website at:For more information, visit our website at:

www.makingCHANGECenter.orgwww.makingCHANGECenter.org