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*CLASSES FOR PROMISE PARTICIPANTS*




MD CASH Academy classes are for adults who want to learn more about managing their financial lives.  We offer a wide range of classes for people who are interested in budgeting, managing debt, saving for the future, filing their taxes or managing their insurance. Our Educators and Partners provide fact based financial education without providing financial advice or selling any products or services. 
 
You must complete our free registration on the site in order to be able to sign-up for one of our classes online. Please contact us at info@mdcash.org if you need special accommodations to attend one of our classes. 

Upcoming events

    • 01 Mar 2017
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 22
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -About the difference between credit reports and scores
    -How lenders value your scores
    -How to read credit reports

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 02 Mar 2017
    • 12:00 PM - 2:00 PM
    • 1681 Riedel Rd, Crofton, MD 21114
    • 9
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 02 Mar 2017
    • 3:30 PM - 5:30 PM
    • Owings Mills Library Meeting Room A, 10302 Grand Central Ave, Owings Mills, MD 21117


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 02 Mar 2017
    • 5:00 PM - 7:30 PM
    • The Wellwood, 523 Water Street Charlestown, MD 21914
    It is critical that most women know how to save, invest and plan for their future. Financial planning is not a one-size-fits-all program, and this seminar will review frequently made financial mistakes, regardless of age----and provide refreshing clarity and ideas to approaching your overall financial life in a much more organized and coordinated way.


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 04 Mar 2017
    • 12:00 PM - 2:00 PM
    • 124 W 4th St, Frederick, MD 21701

    Join the discussion at the Financial Barbershop! Instead of talking about sports, politics, or social issues, like you hear in barbershops, we will discuss money. Darrick Bowens will lead an open forum to discuss anything you want to know about "The Money Game.

    Key topics of discussion:

    A. Understanding the banking system

    B. Compound Interest

    C. Personal Taxes

    D. Rules of the Money Game

    To RSVP contact Darrick Bowens at: darrick.bowens@colbertballtax.com

    The office is located between Bentz Street and Court Street on the right before City Hall.


    • 04 Mar 2017
    • 12:00 PM - 5:00 PM
    • 5115 pegasus Ct. Suite H Frederick, MD 21704

    Community Action Agency presents:

    The FCAA offers Homebuyer Education Classes on a regular basis to assist first-time homebuyers that are working to purchase their own home or to better understand the process of obtaining a mortgage. Families that graduate from the Homebuyer Education Program often benefit from individualized follow-up counseling with an FCAA Housing Counselor. Eligibility criteria: Families and adults in need of housing counseling for first-time homebuyers; contact the Coordinator of Housing and Weatherization Services for a schedule of Homebuyer Education Classes.

    For more information please contact

    Brad Petersen at

    bpetersen@cityoffrederick.com or call 301 600-1506



    • 06 Mar 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 08 Mar 2017
    • 10:30 AM - 11:30 AM
    • 9421 Frederick Rd, Ellicott City, MD 21042
    • 10
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 08 Mar 2017
    • 6:00 PM - 7:00 PM
    • 10375 Little Patuxent Pkwy, Columbia, MD 21044
    • 9
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 11 Mar 2017
    • 10:00 AM - 1:00 PM
    • 301 Newark Avenue, Elkton, MD 21921
    This seminar is a can't miss for first time home buyers! Participants will learn about the home buying process, what to look out for, and how best to prepare for home ownership!


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 11 Mar 2017
    • 12:00 PM - 5:00 PM
    • 5115 pegasus Ct. Suite H Frederick, MD 21704

    Community Action Agency presents:

    The FCAA offers Homebuyer Education Classes on a regular basis to assist first-time homebuyers that are working to purchase their own home or to better understand the process of obtaining a mortgage. Families that graduate from the Homebuyer Education Program often benefit from individualized follow-up counseling with an FCAA Housing Counselor. Eligibility criteria: Families and adults in need of housing counseling for first-time homebuyers; contact the Coordinator of Housing and Weatherization Services for a schedule of Homebuyer Education Classes.

    For more information please contact

    Brad Petersen at

    bpetersen@cityoffrederick.com or call 301 600-1506



    • 16 Mar 2017
    • 4:00 PM - 7:00 PM
    • 629 N.Market St., Frederick, MD

    This is a two-part event that includes:


    A. 4:00pm-7:00pm Credit Counseling

    -Credit Counseling is a one-on-one 30 minute counseling session with a credit adviser.

    B. 5pm-6pm Credit Workshop

    -Come in and learn about credit, and how to improve your credit score


    Credit Reports will be printed in advance, so you MUST REGISTER for Credit Counseling TO RECEIVE YOUR CREDIT REPORT.


    To register for the Credit Cafe:


    1. Call 301-662-4225 ext. 1211 and ask for Mary Ellen Mitchell or ext 1209 and ask for Carol.


    Sponsors: 

    Interfaith Housing Alliance

    United Way

    Housing Authority


    • 16 Mar 2017
    • 5:30 PM - 7:30 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014

    Are You a Savvy Woman?

    Join us for this informative seminar from the
    Savvy Woman Series, focused specifically on women presented

    by, Jodi M. Davis, of The Kelly Group


    It is critical that most women know how to save, invest and plan for their future. Financial planning is not a one-size-fits-all program, and this seminar will review frequently made financial mistakes, regardless of age----and provide refreshing clarity and ideas to approaching your overall financial life in a much more organized and coordinated way.


    Space is limited so RSVP by calling 410-612-2361 or by emailing us at workshopRSVP@apgfcu.com


    Jodi M. Davis is a Financial Advisor for The Kelly Group

    jdavis@kellygrouponline.com www.kellygrouponline.com

    The Kelly Group and Cambridge are not affiliated.

    Securities offered through Cambridge Investment Research, Inc. a broker dealer, member

    FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a

    Registered Investment Advisor.

    • 20 Mar 2017
    • 10:00 AM - 1:00 PM
    • Jewish Council for the Aging, 1st Floor conference room, 12320 Parklawn Drive Rockville, MD 20852-1726
    • 40

    It's becoming a nationwide movement to include financial capability services into multiple social services programs. This integration model shows impressive results in helping clients build financial stability. Attend this interactive training to learn an overview of the CFED Integration Toolkit and how it can help increase your agency's ability to provide or connect to a variety of financial capability services. 


    Training Objectives are:

    • Understand the elements of integration and planning by coming to a common language and definition.

    • Describe the push/pull influences that impact how CBOs plan for new programs and services.

    • List the aspects of planning that are often taking place before a group embarks on a process like that laid out in the Guide and define the four sections for planning and core ideas that support each in the Guide.

    Analyze completed tools in the Guide from recent CFED projects, highlighting what the completed work conveys.


    This training is hosted by AAHC.  For any questions regarding this training, please email Sue Rogan, sue@mdcash.org 




    • 20 Mar 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you know your own money personality?

    Understanding your money personality will help you understand why you make the money choices you make. 
     

    This worksop will cover the following: 

    • Identify various financial personalities 
    • Evaluate your financial motivators 
    • Establish financial goals 
    • Analyze financial concepts and terms 
    • Identify financial options available 
    • Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 


    • 21 Mar 2017
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Free Library 400 Cathedral Street Baltimore, MD 21201
    • 19

    Financial Freedom? Debt Free? Take control of your finances? Learn about credit and how to build/repair credit?

    Free? Free?!


    Looking for a place to serve and give back to Baltimore?

    A place to connect with real people in the community with real needs to make a lasting positive change?

    Join us for a Meet and Greet held at the Central Enoch Pratt Library on 400 Cathedral Street.

    Learn more about our Financial Coaching program and why it works and how you can be a part of the movement to helping the people of Baltimore City achieve financial stability. Baltimore CASH (Creating Assets Savings and Hope) is committed to providing a proven service like our Financial Coaching program that we know you can and will benefit from!



    FAQs

    Will there be food and beverages?

    Yes! (light snacks and drinks)


    Where can I contact the organizer with any questions?

    moses@baltimorecash.org

    • 23 Mar 2017
    • 5:30 PM - 7:30 PM
    • Salisbury One Stop Job Market 31901 Tri-County Way, Salisbury, MD 21804

    This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.


    By the end of this class, you will:
    • Know the pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • Understand the distinction between "spending less" and "saving," and
    • Explore the wonders of compound interest.
    • Learn about the new ABLE Accounts so you can build savings without losing eligibility for SSI and other important benefits like healthcare.


    Registration for this even is requested for this event. You can register here on CASH Academy or by calling Jodie at 443-692-9433.

    • 25 Mar 2017
    • 9:00 AM - 12:00 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014
    This seminar is a can't miss for first time home buyers! Participants will learn about the home buying process, what to look out for, and how best to prepare for home ownership!


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 25 Mar 2017
    • 11:00 AM - 4:00 PM
    • Activity Center at Bohrer Park 506 South Frederick Ave. Gaithersburg, MD 20877

    Walk-ins welcome! Last walk-in is at 3 p.m.


    Individuals

    • Free tax preparation, including EITC and the Child Tax Credit, for those earning $54,000 or less

    • Get your FAFSA completed

    • Sign up for low cost banking services through Bank On Gaithersburg

    • Learn about “SNAP” (Food Supplement Program) and Food Resources

    • On-site Certified Housing Counselors will provide rental housing counseling and foreclosure prevention


    What to Bring?

    The IRS Does Not Allow VITA to prepare taxes without required documentation.

    • Government issued ID (Valid Driver’s License, Passport, Age of Majority Card)

    • Original Social Security Card or Individual Tax Identification Notice (ITIN) for each

    member of your family and last year’s tax return (if available).

    • Birth dates for every person claimed on your tax return.

    • All W2 forms, forms 1098, 1099, and other documents regarding income.

    • All Forms 1095, Health Insurance Statements, or Health Insurance Certificate, if received.

    • If filing jointly, your spouse must be present. If filing separately, you must provide your spouse’s social security number and name exactly as it appears on the social security card.

    • Statement of annual child care expenses prepared by the provider, with their tax ID (Social Security or EIN number).

    • For Direct Deposit: proof of a bank account, including routing numbers. Bank On representatives can assist if you don’t have an account.


    If you need sign language or other special accommodations to participate, please call 240-777-1697, providing at least 3 business days advance notice.


    FREE RENTAL HOUSING COUNSELING FREE CREDIT REPORTS and FINANCIAL SERVICES

    HIP Rental Counselors can help with:

    • Hands on guidance and search tips

    • Credit report review and improvement

    • Reducing your debt and increasing income

    • Spending plans to help increase savings

    • Helping you figure out how much rent or mortgage you can afford

    • Explaining your rights under Fair Housing laws

    • Making referrals for rental subsidies and other relevant information and services


    BB&T BANK BUS ON-SITE!

    BB&T WILL MEET YOU MORE THAN HALF WAY. Take advantage of…

    • Online Credit 101 Classes

    • FICO Score Education

    • Online Banking & Bill Pay Demonstration

    • Opening Online Accounts

    • Money Smart Training Program


    • 01 Apr 2017
    • 9:00 AM - 3:00 PM
    • Poly-Western High School, 1400 West Cold Spring Lane, Baltimore, MD 21209

    Come out to Money Power Day!


    Presented by Baltimore CASH Campaign, Money Power Day® 2017, the region's largest free financial fitness fair.  Join us for an energy-packed day filled with exciting activities designed to inspire and inform people of all ages on how to boost their financial power!


    Come find PROMISE financial educators and coaches at the Maryland CASH table to get a special door prize for the first 25 PROMISE participants who attend!


    Workshops on topics such as funding for higher education, and home ownership .


    Credit cafe- pull your credit report and recieve one-on-one counseling from certified counselors.


    College and Career Access Zone- financial aid specialists, college advisers, admissions officers from local institutions and higher education will be available to review your financial aid offer letters and offer advice on career pathways.


    Youth zone- fun, financially-focused activities for youth of all ages including the Power Buck Game.


    Free Tax Preparation, and more!

    • 01 Apr 2017
    • 12:00 PM - 2:00 PM
    • 124 W 4th St, Frederick, MD 21701

    Join the discussion at the Financial Barbershop! Instead of talking about sports, politics, or social issues, like you hear in barbershops, we will discuss money. Darrick Bowens will lead an open forum to discuss anything you want to know about "The Money Game.

    Key topics of discussion:

    A. Understanding the banking system

    B. Compound Interest

    C. Personal Taxes

    D. Rules of the Money Game

    To RSVP contact Darrick Bowens at: darrick.bowens@colbertballtax.com

    The office is located between Bentz Street and Court Street on the right before City Hall.


    • 01 Apr 2017
    • 12:00 PM - 5:00 PM
    • 5115 pegasus Ct. Suite H Frederick, MD 21704

    Community Action Agency presents:

    The FCAA offers Homebuyer Education Classes on a regular basis to assist first-time homebuyers that are working to purchase their own home or to better understand the process of obtaining a mortgage. Families that graduate from the Homebuyer Education Program often benefit from individualized follow-up counseling with an FCAA Housing Counselor. Eligibility criteria: Families and adults in need of housing counseling for first-time homebuyers; contact the Coordinator of Housing and Weatherization Services for a schedule of Homebuyer Education Classes.

    For more information please contact

    Brad Petersen at

    bpetersen@cityoffrederick.com or call 301 600-1506



    • 03 Apr 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 05 Apr 2017
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -Ways to get and build credit and how to maximize its effectiveness.

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 17 Apr 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 20 Apr 2017
    • 3:30 PM - 5:30 PM
    • White Marsh Library Meeting Room, 8133 Sandpiper Cir, Baltimore, MD 21236


    Come to this interactive and fun workshop to learn ways to conduct your daily money purchase, pay bills and mange your accounts in a safe, efficient and low cost way.


    Come learn how to rule your money! 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 01 May 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 15 May 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 12 Jun 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 19 Jun 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 10 Jul 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 17 Jul 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 21 Aug 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 11 Sep 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 18 Sep 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 02 Oct 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 30 Oct 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 13 Nov 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 04 Dec 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 18 Dec 2017
    • 6:00 PM - 8:00 PM
    • Habitat for Humanity Susquehanna, 205 S. Hays Street, Bel Air, MD 21014
    • 10

    This workshop will cover the various topics below:

    • Preparing for the home-buying process
    • Understanding the different product and pricing options
    • Clarifying the mortgage process
    • Avoiding financial pitfalls
    • Planning for home maintenance and expenses

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.

    When responding please indicate how many will be attending.


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