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. We are also available to teach the classes at a time and location convenient to you on a contact basis. For more information on that click here.

Read below for more information on each workshop.

*Upcoming Financial Household Resiliency (FHR) Workshops:

April Tuesday Evening Financial Household Resiliency Series:

Tuesday, April 1st, 2014 5:30 pm – 7:30 pm: Making Ends Meet
Tuesday, April 8th, 2014 5:30 pm – 7:30 pm: Budgeting and Saving
Tuesday, April 15th, 2014 5:30 pm – 7:30 pm: Hands-On Banking
Tuesday, April 22nd, 2014 5:30 pm – 7:30 pm: Building, Repairing and Protecting Credit

April Friday Morning Financial Household Resiliency Series:

Friday, April 4th, 2014 10:00 am – 12:00 pm: Making Ends Meet
Friday, April 11th, 2014 10:00 am – 12:00 pm: Budgeting and Saving
Friday, April 18th, 2014 10:00 am – 12:00 pm: Hands-On Banking
Friday, April 25th, 2014 10:00 am – 12:00 pm: Building, Repairing and Protecting Credit

April Bonus Financial Household Resiliency Workshop:

Tuesday, April 29th, 2014 5:30 pm – 7:30 pm: Protecting Your Financial Future

May Financial Household Resiliency Workshop Series:

Tuesday, May 6th, 2014 5:30 pm – 7:30 pm: Making Ends Meet
Tuesday, May 13th, 2014 5:30 pm – 7:30 pm: Budgeting and Saving
Tuesday, May 20th, 2014 5:30 pm – 7:30 pm: Hands on Banking
Tuesday, May 27th, 2014 5:30 pm – 7:30 pm: Building, Repairing, and Protecting Credit

Due to the limited number of seats, registration is required.  Use the registration form below to register for the Lloyd Center workshops that you would like to attend. After you choose the workshops you want to attend click on “Register” and you will be taken to the Eventbrite site to finish registration. 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.Registration is required! Classes are $5 each or $15 for the entire series and fee waivers are available for those 50% or below Portland Median Income (

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”


** April Bonus Workshop: Part 5: Protect Your Financial Future

This workshop is geared toward participants who are looking to prepare for long term goals with a plan that solidifies their position to weather the unexpected. It is designed for those who are ready move on from month to month budgeting to pursuing long-term household goals. Participants learn strategies for avoiding burdensome risks and how to navigate the technical-jargon-laden world of insurance and retirement. They learn about the basics of 401ks and IRAs, as well as about tools they can use to reach the retirement of their dreams.  They also learn how to use windfalls like tax returns to strengthen their financial position. Through this class, participants can plan for making their position financial position secure for decades to come.

Topics include:

  1. Elements of asset protection
  2. Getting the most out of insurance
  3. Planning for retirement
  4. Tax time

Registration is required! Classes are $5 each 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.

One Response to Workshops

  1. shanice gay says:

    I would love to learn more about the programs and help offered. please contact me asap