Currently we offer our Financial Household Resiliency (FHR) Group Workshops at our office every other month on Tuesday evenings from 5:30-7:30 pm and occasionally on Friday mornings too. The class cost is on a sliding scale, from $1- $5 a class or $15 for the series. We are also available to teach the classes at a time and location convenient to you on a contract basis. For more information on that click here.

Read below for more information and registration information on each workshop.

July Financial Household Resiliency Workshop Series: 

Eventbrite - Financial Household Resiliency Workshops July Series
Tuesday, July 8th, 2014 5:30 pm – 7:30 pm: Making Ends Meet
Tuesday, July 15th, 2014 5:30 pm – 7:30 pm: Budgeting and Saving
Tuesday, July 22nd, 2014 5:30 pm – 7:30 pm: Hands on Banking
Tuesday, July 29th, 2014 5:30 pm – 7:30 pm: Building, Repairing, and Protecting Credit

September Financial Household Resiliency Workshop Series:
Eventbrite - September Series Financial Household Resiliency Workshops
Tuesday, September 9th, 2014 5:30 pm – 7:30 pm: Making Ends Meet
Tuesday, September 16th, 2014 5:30 pm – 7:30 pm: Budgeting and Saving
Tuesday, September 23rd, 2014 5:30 pm – 7:30 pm: Hands on Banking
Tuesday, September 30th, 2014 5:30 pm – 7:30 pm: Building, Repairing, and Protecting Credit

Due to the limited number of seats, registration is required.  Use the orange registration buttons to register for the Lloyd Center workshops.  You will be taken to the Eventbrite website to register.  If you are registering for more than one person, you must register each person individually.  If you have any questions please contact Misha at or call (503) 249-5205.

Part 1: Making Ends Meet

This workshop is geared toward participants who are struggling to make ends meet— potentially burdened by heavy debt-loads and/or living paycheck to paycheck. It is designed for those who are not yet in a position to pursue long-term household budgeting and savings, but who recognize the need to take control of their finances. Participants learn to use crisis management tools, such as an income planner and credit inventory.  They learn how to make informed decisions about competing financial priorities, and how to address short-term financial short falls. Through this course participants reduce their anxiety around household finances and take steps towards establishing a degree of basic household stability.

Topics include:

  1. Attitudes and Money
  2. Needs, Wants and Priorities
  3. Juggling Priorities and Cash Flow Management


Part Two: Budgeting and Saving

In this workshop, participants learn money management skills to achieve short-tem household stability, and take initial steps towards creating a plan for long-term financial security.  Participants create and learn how to manage a household budget by tracking spending, managing variable expenses, and accounting for changes in income. Participants will set short-term and long-term goals.

Topics include:

  1. Creating and Managing a Budget
  2. Adjusting your budget when income changes
  3. Setting Goals
  4. How to Save


Part Three: Hands-On Banking

This workshop provides participants with an overview of banking services and how to use them successfully and responsibly. Participants learn how to make informed decisions when it comes to choosing a bank or credit union, establishing an account, and selecting other services. Participants explore how to minimize cost and stress while managing their accounts proactively. This course can be easily tailored toward the needs of first time bank account holders with more emphasis on the fundamental components of using a bank account such as writing checks, making deposits, withdrawals, etc.

Topics include:

  1. Why Have a Bank Account?
  2. Banks and the Services that they offer
  3. Choosing the Bank and Services that Work for You
  4. Understanding ChexSystems
  5. Successful Banking


Part Four: Building, Repairing and Protecting Credit

Participants in this workshop explore the fundamental components of building, repairing and protecting their credit. This workshop helps participants understand how credit works, and gives them the tools to access their credit reports, dispute inaccurate information and address derogatory items. In addition, participants explore how to make strategic decisions to increase their credit scores and how to protect themselves from identity theft and scams.

Topics include:

  1. What is Credit?
  2. Your Credit
  3. Building Credit
  4. Repairing Credit
  5. Protecting Credit: What to do if you are a victim of identity theft.
  6. The truth about “Credit Repair”


Registration is required! Classes are on a sliding scale and are $1-$5 per class or $15 for the entire series and fee waivers are available for those 50% or below Portland Median Income (  Please contact Misha at, call (503) 249-5205.

*Innovative Changes offers these workshops every other month.

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