FDIC Money Smart 
                  

The Campaign for Working Families with the help of our volunteer instructors and our community supporters offer FREE FDIC Money Smart Financial Education Classes in Volusia and Flagler County.

Money Smart, is a training program to help adults enhance their money skills and create positive banking relationships. The FDIC created the Program because it understands that financial education fosters financial stability for individuals, families, and entire communities. The more people know about credit and banking services, the more likely they are to increase savings, buy homes, and improve their financial health and well being. The Money Smart curriculum helps individuals build financial knowledge, develop financial confidence, and use banking services effectively.

Money Smart Classes consists of ten educational modules:

• Bank on It: an introduction to bank services

• Borrowing Basics: an introduction to credit

• Check It Out: how to choose and keep a checking account

• Money Matters: how to keep track of your money

• Pay Yourself First: why you should save, save, save

• Keep It Safe: your rights as a consumer

• To Your Credit: how your credit history will affect your credit future

• Charge It Right: how to make a credit card work for you

• Loan To Own: know what you're borrowing before you buy

• Your Own Home: what home ownership is all about

Money Smart for Young Adults

A new program created in 2008 which is similar to the adult version with slight modifications made to appeal to youth ages 14—21. The program consists of eight modules:

—         Bank On It - teaches banking basics.

—         Check It Out - helps students understand checking accounts. They learn how checking accounts work, what fees they charge, how to open an account, and how to maintain it.

—         Setting Financial Goals - shows students how to manage their money by preparing a personal spending plan, differentiating wants from needs,

—         Pay Yourself First - helps students identify ways they can save money and introduces savings options that they can use to save toward their goals.

—         Borrowing Basics - helps the students learn how to use credit appropriately and determine what forms of credit best suit their needs.

—         Charge It Right - teaches students about credit cards and how to use them responsibly.

—         Paying for College and Cars -provides general info. on installment loans, including car loans and student loans.

—         A Roof Over Your Head - helps make informed choices about renting their first apartment. Also reviews the basics of getting a mortgage, and helps to make decisions and answer questions to determine readiness to have a space of their own.

Would you like to help us make a difference? You can support the program by contributing in variety of ways.

For information about how you can become a volunteer trainer, click here.

For information on supporting or sponsoring a class, click here.