Tri-CAP’s Financial Fitness program is designed for people who are interested in learning more about how to work with their finances, banks, and creditors. The goal is to help people increase their financial knowledge and gain control over their financial situations.
Tri-CAP offers a variety of classes. To register for these FREE classes call 320-251-1612. All classes are located at Tri-CAP 1210 23rd Ave S, Waite Park unless noted.
Tri-CAP offers up to four 1-hour free financial coaching sessions upon completion of a financial fitness class for those who qualify. Qualifications include: Completed a Financial Fitness class, reside in Stearns, Benton, or Sherburne counties, and income under 200% of Federal Poverty Guidelines.
Your Money Values & Influences: Values & Money; Goals & Money; External Influences
You can Bank On It: Financial Products, services, & providers; Opening an account, managing an account, prepaid cards
Your Income & Expenses
Your Spending & Savings Plan: Making a monthly spending & savings plan (budgets); When money is short
Your Savings: What is saving? Where to build your savings, saving for unexpected expenses, saving for your goals, saving & public benefits
Credit Reports & Scores: Getting and understanding your credit reports
Credit Reports-Repair & Building: Disputing errors on your credit reports, build, repair and maintain a productive credit history
Borrowing Basics: Ways to borrow money and what is costs, preparing to apply for a loan, borrowing when someone helps you manage your money
Managing Debt: What is debt? How debt works, reducing debt, nonpayment of debts in collection, dealing with student loan debt, managing medical debt, understanding high cost debt
Using Credit Cards: How credit cards work, managing your credit score
Building your Financial Future: Assets & asset-building; How assets creates a financial foundation; cars as assets; training & education as assets
Protecting Your Identity & Other Assets: Risks to your assets; Identity theft &fraud; Insurance & record keeping
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