Financial Fitness

Learn How to Gain Control of Your Financial Situations

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.

This program offers classes where participants will learn how to:

  • Create and stick to a budget
  • Track spending
  • Recognize spending leaks
  • Reduce expenses
  • Save for periodic expenses
  • Establish an emergency fund
  • Read a credit report
  • Improve credit scores
  • Make a debt reduction plan
  • Identify credit scams
  • Read bank statements
  • Keep an accurate and balanced checkbook

Once the class is completed, participants can choose to enroll in individual sessions to work on creating a monthly budget, savings goals, repairing credit, debt reduction plan, and/or getting set up with a bank account.


We offer 4 hour class in one or two sessions. After class completion, participants can choose to continue with one-on-one financial coaching in the areas of credit repair, debt reduction, or setting up and maintaining a budget.

St. Cloud Library

1300 W Saint Germain Street

Tuesdays, September 18th and 25th
6-8 pm

Call 320-251-1612 to register for this FREE class

Elk River Library

13020 Orono Pkwy NW

Saturday, September 29th
10:15 am – 1:45 pm

Call 320-251-1612 to register for this FREE class

Paynesville Community Education

801 West Hwy 23

Wednesdays, October 3rd and 10th
6-8 pm

Call 320-243-7570 to register. Cost $5


1 $24,120
2 $32,480
3 $40,840
4 $49,200
5 $57,560
6 $65,920
7 $74,280
8 $82,640


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