Yes, you can get completely out of debt including your credit cards, loans and mortgage and we're here to show you how! Whether you make $12,000 or $120,000, have good credit or no credit, investing in your debt is the way to survive in today's economy. This workshop is not just for people who are having problems with their debt; often those who benefit most are the people who can make their minimum payments, but realize they don't want to do that forever. Please bring a list of your current debts and monthly payments along with a pencil and calculator. Your financial information is for your use only and will not be shared in class. There will be an optional textbook available for purchase from the instructor for $41 (cash and checks only). NOTE: Contact Lifelong Learning directly at 269-965-4134 for "couple" pricing. One person from couple will register at the $49 price and the second person's information (name/address/birth date/phone) must be provided at that time.

MONY C10B-01 (single) MONY C10B-02 (couple) — Use this course number to register (click here).
Saturday • 3/10/12 • 9 am-12:30 pm
Instructor: F. Wilson
Fee: $29 (single) $49 (couple)

We've all experienced the increasing costs of going to the grocery store; would you like to cut your weekly grocery bill by 40% or more? Would you like to learn how to drastically cut your spending, but feel confused and overwhelmed about where to begin? In this new class you'll experience a crash course in couponing. You will find out how to organize your coupons, gather different coupons from various newspapers and online resources, and discover how to combine these strategies to get the biggest savings impact for your household. If you currently flip through those Sunday coupon inserts, clip what you see you might use, and toss out the rest, then you are throwing away more savings for your household! Learn quick and easy techniques, along with a few savvy coupon secrets, to stretch your budget. You will learn the tricks of those amazing extreme "couponers" and be able to put them into practice, without having to go to extreme measures. This is a fast-paced class ready to teach you some simple tips to save you hundreds and even thousands of dollars per year. Join us and get a head start on a fun hobby that will make you a pro at saving your family money while reducing your grocery budget.

MONY C12P-01 — Use this course number to register (click here).
Saturday • 3/24/12 • 12-4 pm
Instructor: S. Munoz
Fee: $39

Most people don't like to think about dying, but it is something that everyone has to face. What will happen to the money you worked hard to save? Who will get your house? Although not a pleasant subject, these are things that should be decided now. Most people put off planning their estate, but putting off these decisions can cost your heirs considerable money and anguish. In order to ensure that your wishes about who should get what are heeded and that costs and inconveniences of probate and estate taxes are avoided after your death, it is critical to do estate planning now. This workshop will help you understand the types of estate planning moves that are most likely to be helpful for many people. Proper estate planning takes a relatively short time, but will give you and your heirs tremendous peace of mind. With estate planning, you can make sure your medical and business decisions can be made by someone you trust if incapacity strikes—without court interference and with as little disruption as possible to your loved ones. Join Susan McCabe, JD, as you learn the most important aspects of this often daunting topic. NOTE: Contact Lifelong Learning directly at 269-965-4134 for "couple" pricing. One person from couple will register at the $49 price and the second person's information (name/address/birth date/phone) must be provided at that time.

MONY C12E-01 (single) MONY C12E-02 (couple) — Use this course number to register (click here).
Saturday • 4/21/12 • 10 am-1 pm
Instructor: S. McCabe
Fee: $29 (single) $49 (couple)

A high credit score can save you money each and every year! Do you know that with a high credit score you receive the best mortgage and loan rates? When making any large purchase—a home, automobile or appliance—it is important to get the best rate possible. Find out how to get your free credit report and understand what it says and means. Also, most of us discover mistakes when we review our credit reports and we'll share the best way to correct those mistakes that will immediately raise your credit score. You'll learn the most important factors that go into the components of your FICO score and we'll show you how to enhance and keep your score high. You can take your credit score from embarrassing to outstanding if you follow the simple tips in this new class. NOTE: Contact Lifelong Learning directly at 269-965-4134 for "couple" pricing. One person from couple will register at the $49 price and the second person's information (name/address/birth date/phone) must be provided at that time.

MONY C10A-01 (single) MONY C10A-02 (couple) — Use this course number to register (click here).
Saturday • 5/5/12 • 10 am-1 pm
Instructor: F. Wilson
Fee: $29 (single) $49 (couple)

Do you love to travel and enjoy working with individuals? If so, then tour directing may be the career for you! Tour directors are hired to escort local, domestic and international tours and cruises, earning as much as $1900 per week. Learn everything you need to start your new and exciting career as a professional tour director. Topics covered will include group procedures, documentation, and emergencies. You will also gain information on full- and part-time career opportunities, as well as where to look for prospective employers and much, much more. Don't wait any longer—start today!

Visit <www.ed2go.com/kellogg> to register.