Financial Education Workshops



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”


Part Five: Retirement 101

In this workshop participants will learn how to assess different types of retirement accounts. Structure a plan for retirement  based on what  their projected needs and wants will be. Participants will assess their retirement savings and come up with a plan for reaching their retirement goal. Participants will leave able to recognize the benefits to compounding interest accounts.

Topic include:

1. How much you need in retirement?

2. Understanding the benefits to compounding interest.

3. What are the types of retirement saving account?

4. The Myths about retirement saving.



Registration is required!  Please contact Rachell at, call (503) 249-5205. The class cost is sliding $15 a class or $50 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 sliding scale or contracting workshops click here.

*Innovative Changes offers these workshops every other month.