Money SMARTS begins with setting goals with SMARTS, both short-term and long-term goals. The course moves on to banking tools that can help with our financing. Strategies for budgeting and savings are discussed and we develop an actual family budget. Together, we look at credit, credit cards, consumer rights, how to read a credit report and fixing our credit. The course concludes with Investing for the Future with savings plans for education, starting a business, homeownership and retirement plans. The course is designed for individuals or families with up to moderate income and gives a good overview of personal and family financial management strategies.

The Money SMARTS course is free! The course is eight hours long and is delivered in a light and engaging manner. The binder and handouts become a toolkit personalized for your family. The course is presented by ALU LIKE, Inc., and sponsored by the State of Hawai’i Department of Human Services.

For more information, and to reserve a space at an upcoming class, contact:
Greg Field at 683-2303 grfield@alulike.org