Are you late paying bills because you cannot find them? Do you avoid paying bills because you are short on cash flow? Are you being charged interest rates and penalties because you can’t get your financial life in order? Join us to create a plan to help you get control of your financial paperwork. We’ll share tips and ideas that will help you spend and save more wisely, plus we’ve got a way to help you track your money so you can stay on top of your personal finances. Don’t miss this new class that will help you right now, and in your future.

WOSH 82B-42
Tuesday • 9/29/09 • 6:00 - 8:00 pm
Instructor: D. Smith
Fee: $29

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. If you apply the debt free living plan to your finances the average family can pay off all their consumer debt in 1-3 years and their mortgage in an additional 3-4 years. Imagine owning your home and not owing anyone else within just 7 years! In this workshop you’ll learn a powerful, proven linear math/variable path method that can help you be debt free much faster than you ever thought you could. We’ll even make sure you can handle emergencies or other unexpected situations that may arise. 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 $59 price and the second person’s information (name/address/birth date/phone) must be provided at that time.

Session 1: WOSH 82B-37 (single) or WOSH 82B-47 (couple)
Monday • 10/5/09 • 6:00 - 9:30 pm
Instructor: F. Wilson
Fee: $39 (per person) • $59 (per couple)

Session 2: WOSH 82B-38 (single) or WOSH 82B-48 (couple)
Saturday • 12/5/09 • 9:00 am - 12:30 pm
Instructor: F. Wilson
Fee: $39 (per person) • $59 (per couple)

We're all feeling the pinch of the current economy so you know how important it is to understand your money and how you use it. Learn to avoid “pay day trauma,” control your income, and still plan for your dreams. In this workshop the tools you will learn are useful, realistic and easy to work into your everyday life. They will help you gain control over the financial impact of the choices you make. You'll learn how to create and use a budget and a spending plan, a realistic approach to debt reduction, and how to borrow and invest wisely. And you'll discover the secret to understanding and controlling your credit rating to save money and increase your financial security.

WOSH 82B-41
Tuesdays • 10/6/09-10/13/09 • 6:00 - 8:00 pm
Instructor: M. Lambert
Fee: $29

Do you think that if you have plenty of blank checks in your checkbook that you have plenty of money in your account? Are you tired of paying a penalty for being overdrawn? Come and learn how to balance your checkbook without staying up all night! Write sample checks, read a bank statement, and balance a checkbook in class. This is the perfect class for the person who has just opened their first checking account.

WOSH 82B-45
Tuesday • 11/3/09 • 6:00 - 8:00 pm
Instructor: M. Lambert
Fee: $19

Information is power, and you need information if you’ve been considering a divorce or legal separation. When you have the information you need you are in control. In this workshop you’ll learn from a legal professional what you need to think about, along with the options available to you. Most people spend more time planning their next vacation than they spend planning a divorce. Don’t make that costly mistake! Join us to learn what you need to know and do before you spend a dime on attorney fees.

WOSH 82B-39
Saturday • 11/14/09 • 9:00 am - 12:00 pm
Instructor: S. McCabe
Fee: $29

In this economic climate, are you looking for ways to curb your spending and stick to your budget? Learn the way back to prosperity by living below your means. Discover simple cost cutting techniques that put dollars directly into your bottom line. If you think millionaires spend recklessly–think again–take some lessons from the playbook of some of the wealthiest Americans, and try their strategies in your life.

WOSH 82B-46
Tuesday • 11/17/09 • 6:00 - 8:00 pm
Instructor: M. Lambert
Fee: $19

Is your credit on life support? Perhaps it’s already six feet under…no matter what your current credit situation is, all is not lost. There are several quick and effective techniques to help you repair your credit, remove derogatory credit and boost your credit score. Come learn an industry professional’s “inside” tips to get your credit back on track!

WOSH 82B-43
Wednesday • 12/2/09 • 6:00 - 8:00 pm
Instructor:F. Wilson
Fee: $25

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.

WOSH 82B-40
Saturday • 12/5/09 • 9:00 am - 12:00 pm
Instructor: S. McCabe
Fee: $25

Finding money for college can be an overwhelming task–grants, scholarships, loans–the choices can make your head spin! Join Barb Erickson, a parent and a high school counselor, to learn how you can access thousands of scholarships, how to write a winning essay, and some insider tips to take advantage of little known scholarship funds! If you’re a parent feeling pressured about funds for your college-bound student, then you won’t want to miss this class–and you can bring your high-school student along at no charge.

WOSH 82B-44
Monday • 12/7/09 • 6:00 - 8:30 pm
Instructor: B. Erickson
Fee: $25