2025 Financial Literacy Institute

  Last evening we discussed ways to reduce debt , freezing our credit due to identity theft and breach of credit bureau. Review your payment obligations and write about 1 – 3 bills that  you plan to immediately  reduce and the method you plan to use to do so.

   week 7 -  Last evening we explored the importance of using credit wisely. Review your credit use; Are you using credit wisely? If so how and what measures will you undertake to use credit more wisely? What was your number one take away from last night class?

  Last evening we explored the importance of Credit History/Credit Score. How important is your Credit Score to you? If so how and what measures will you undertake to use credit more wisely?

   Last evening we learned the difference between bank institute and credit union.  What tool would you utilize to differentiate the difference between the two institute? Want tracking tool would you use to keep a record of your finances? What was one take away you rececived from last night presentation that stood out to you?

 Setting goals gives me the energy to move forward.  The act of writing my goals down and crossing them off my list makes a sense of accomplishment.   Goal setting helps me with focus and direction.  The focus to stay determined about the results I anticipate, and the guidance needed to maintain the course in the direction of my goals.      What I attempt to do with my goal setting is to surround myself with reminders.  My reminders include notes to myself, a reward and punishment system, reflection and evaluation.   The use of reminders helps me to maintain my motivation by keeping my goals and progress on alert.     The reward and punishment system I use, help me with staying on track with the motivation to move forward.   Reflection during my goal setting stage helps me to remain optimistic about being realistic and purposeful with my goals. During the reflection process, I can take a clear look at m...