WCCC Blog

Santa Cruz Community Ventures will be offering ongoing FREE financial education workshops throughout Santa Cruz County beginning October, 2011.  See below or call Irma Ranzuglia at (831) 460-2343 for more information or to reserve a seat. (Please call ahead. Space is limited.)

OCTOBER/NOVEMBER CALENDER OF CLASSES

Workshop topics include (but not limited to):

Managing Credit and Debt Wisely

Learn how to read and consider the fine print in credit offers, how interest rates work, “shopping” for a card and avoiding common marketing strategies.   You’ll leave this class with tips and tools, which can help ensure you never fall into the “credit card trap” again.

The Basics of Budgeting and Saving

We can all benefit from having a spending and saving plan. Explore the reasons and influences behind your buying habits and learn how to build positive ones.  In this class we’ll help you create a realistic monthly budget and get you started on the path to a healthy financial future.

Understanding Credit Reports and Scores

Learn where to access your free credit report and score, how to read a report, dispute a claim and understand what factors into your credit score.  Find out which actions most impact your credit and what your rights and responsibilities are in managing, repairing and establishing a positive credit history.

The Benefits of Banking

There are many benefits to banking, including protection from fraud and expensive predatory practices, such as payday lenders, pawn shops and refund anticipation loans.  In this class we’ll outline the basics of bank products, fee structures and the difference between banks and credit unions.