Spending Wisely


Upcoming events

    • 10 Apr 2014
    • 5:00 PM
    • 17 Apr 2014
    • 9:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    This is a 2 part class one on April 10 and one on April 17 and you must attend both classes to complete the course.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 19 Apr 2014
    • 9:00 AM - 5:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 9

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 24 Apr 2014
    • 5:00 PM - 8:30 PM
    • Neighborhood Housing Services of Baltimore, 819 Park Avenue, Baltimore, MD 21201
    • 10

    Description: This class explores several financial concepts, including: financial institutions and their products, credit, budgeting, and consumer protection issues.


    By attending this class, you will learn how to:

    -build a positive relationship with banks and credit unions

    -apply for credit

    -decrease spending and increase income

    -avoid identity theft, and

    -identify predatory lending practices

    Further information on the class curriculum can be found here.


    Please register at:

    http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 06 May 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters 

     

    Description: This interactive workshop will leave participants prepared to:

    •    Track daily spending habits.
    •    Prepare a personal spending plan or budget to     estimate monthly income and expenses.
    •    Identify ways to decrease spending.
    •    Identify possible ways to increase income.
    •    Identify budgeting tools that will help you manage    your bills.
    •    List and prioritize financial goals.
    •    Recognize how to create a plan to achieve financial goals.

    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their websitehttp://www.catholiccharitiesdc.org/mcfc

    • 06 May 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters

     

    Description: This interactive workshop, taught in Spanish, will leave participants prepared to:


    • Track daily spending habits
    • Prepare a personal spending plan or budget to estimate monthly income and expenses
    • Identify ways to decrease spending
    • Identify possible ways to increase income
    • Identify budgeting tools that will help you manage your bills
    • List and prioritize financial goals
    • Recognize how to create a plan to achieve financial goals

    This class is taught in Spanish and provided by Catholic Charities of the Archdiocese of Washington . For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their website.

    • 08 May 2014
    • 5:00 PM
    • 15 May 2014
    • 9:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    This is a 2 part class one on May 8 and one on May 15 and you must attend both classes to complete the course.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 17 May 2014
    • 9:00 AM - 5:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 20 May 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters 

     

    Description: This interactive workshop will leave participants prepared to:

    •    Track daily spending habits.
    •    Prepare a personal spending plan or budget to     estimate monthly income and expenses.
    •    Identify ways to decrease spending.
    •    Identify possible ways to increase income.
    •    Identify budgeting tools that will help you manage    your bills.
    •    List and prioritize financial goals.
    •    Recognize how to create a plan to achieve financial goals.

    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their websitehttp://www.catholiccharitiesdc.org/mcfc

    • 20 May 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters

     

    Description: This interactive workshop, taught in Spanish, will leave participants prepared to:


    • Track daily spending habits
    • Prepare a personal spending plan or budget to estimate monthly income and expenses
    • Identify ways to decrease spending
    • Identify possible ways to increase income
    • Identify budgeting tools that will help you manage your bills
    • List and prioritize financial goals
    • Recognize how to create a plan to achieve financial goals

    This class is taught in Spanish and provided by Catholic Charities of the Archdiocese of Washington . For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their website.

    • 29 May 2014
    • 5:00 PM - 8:30 PM
    • Neighborhood Housing Services of Baltimore, 819 Park Avenue, Baltimore, MD 21201
    • 8

    Description: This class explores several financial concepts, including: financial institutions and their products, credit, budgeting, and consumer protection issues.


    By attending this class, you will learn how to:

    -build a positive relationship with banks and credit unions

    -apply for credit

    -decrease spending and increase income

    -avoid identity theft, and

    -identify predatory lending practices

    Further information on the class curriculum can be found here.


    Please register at:

    http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 03 Jun 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters 

     

    Description: This interactive workshop will leave participants prepared to:

    •    Track daily spending habits.
    •    Prepare a personal spending plan or budget to     estimate monthly income and expenses.
    •    Identify ways to decrease spending.
    •    Identify possible ways to increase income.
    •    Identify budgeting tools that will help you manage    your bills.
    •    List and prioritize financial goals.
    •    Recognize how to create a plan to achieve financial goals.

    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their websitehttp://www.catholiccharitiesdc.org/mcfc

    • 03 Jun 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters

     

    Description: This interactive workshop, taught in Spanish, will leave participants prepared to:


    • Track daily spending habits
    • Prepare a personal spending plan or budget to estimate monthly income and expenses
    • Identify ways to decrease spending
    • Identify possible ways to increase income
    • Identify budgeting tools that will help you manage your bills
    • List and prioritize financial goals
    • Recognize how to create a plan to achieve financial goals

    This class is taught in Spanish and provided by Catholic Charities of the Archdiocese of Washington . For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their website.

    • 12 Jun 2014
    • 5:00 PM
    • 19 Jun 2014
    • 9:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    This is a 2 part class one on June 12 and one on June 19 and you must attend both classes to complete the course.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 17 Jun 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters 

     

    Description: This interactive workshop will leave participants prepared to:

    •    Track daily spending habits.
    •    Prepare a personal spending plan or budget to     estimate monthly income and expenses.
    •    Identify ways to decrease spending.
    •    Identify possible ways to increase income.
    •    Identify budgeting tools that will help you manage    your bills.
    •    List and prioritize financial goals.
    •    Recognize how to create a plan to achieve financial goals.

    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their websitehttp://www.catholiccharitiesdc.org/mcfc

    • 17 Jun 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20

    Money Matters

     

    Description: This interactive workshop, taught in Spanish, will leave participants prepared to:


    • Track daily spending habits
    • Prepare a personal spending plan or budget to estimate monthly income and expenses
    • Identify ways to decrease spending
    • Identify possible ways to increase income
    • Identify budgeting tools that will help you manage your bills
    • List and prioritize financial goals
    • Recognize how to create a plan to achieve financial goals

    This class is taught in Spanish and provided by Catholic Charities of the Archdiocese of Washington . For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.

    For More information, visit their website.

    • 21 Jun 2014
    • 9:00 AM - 5:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 26 Jun 2014
    • 5:00 PM - 8:30 PM
    • Neighborhood Housing Services of Baltimore, 819 Park Avenue, Baltimore, MD 21201
    • 10

    Description: This class explores several financial concepts, including: financial institutions and their products, credit, budgeting, and consumer protection issues.


    By attending this class, you will learn how to:

    -build a positive relationship with banks and credit unions

    -apply for credit

    -decrease spending and increase income

    -avoid identity theft, and

    -identify predatory lending practices

    Further information on the class curriculum can be found here.


    Please register at:

    http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 10 Jul 2014
    • 5:00 PM
    • 17 Jul 2014
    • 9:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    This is a 2 part class one on July 10 and one on July 17 and you must attend both classes to complete the course.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 19 Jul 2014
    • 9:00 AM - 5:00 PM
    • Forest Park Senior Center, 4801 Liberty Heights Avenue Baltimore, MD 21207
    • 10

    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.


    By attending this class, you will learn:

    -what it takes to become a successful home buyer

    -budgeting

    -how to compare and obtain a mortgage

    -the mortgage application process

    -home maintenance


    Additionally, please bring the following items: most recent pay stubs for 1 month, (if self employed) past three years of tax returns with all attachments, W2 tax forms from 2011 and 2012, most recent bank statements for 2 months, most recent credit report from a certified lender, (if applicable) pre-approval letter, and state issued photo I.D./drivers license.


    This curriculum requires you to participate in a class as well as one-on-one counseling with a HUD certified housing counselor. Once you have completed these requirements, you will receive the certificate you need in order to participate in many of the state and local First-Time Homebuyer (incentive) programs.


    Please register at http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

    • 31 Jul 2014
    • 5:00 PM - 8:30 PM
    • Neighborhood Housing Services of Baltimore, 819 Park Avenue, Baltimore, MD 21201
    • 10

    Description: This class explores several financial concepts, including: financial institutions and their products, credit, budgeting, and consumer protection issues.


    By attending this class, you will learn how to:

    -build a positive relationship with banks and credit unions

    -apply for credit

    -decrease spending and increase income

    -avoid identity theft, and

    -identify predatory lending practices

    Further information on the class curriculum can be found here.


    Please register at:

    http://www.nhsbaltimore.org/registration/index.php


    This class is provided by:

    Neighborhood Housing Services of Baltimore, www.nhsbaltimore.org.


    NHS of Baltimore (Neighborhood Housing Services of Baltimore) was established in 1974 and has been dedicated to the revitalization of Baltimore neighborhoods through homeownership opportunities. NHS of Baltimore creates and sustains homeownership opportunities through customized lending and consumer education in the Baltimore Region.

 
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