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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.

You must complete our free registration on the site in order to be able to sign-up for one of our classes online.

Upcoming events

    • 02 Sep 2014
    • 10:00 AM - 1:00 PM
    • The Prosperity Center at the Bernard W. Brown Community Center, 629 N. Market St. Frederick, MD 21701
    Looking for a job?
    Did you know Goodwill provides...

    • Job retention support
    • Self presentation
    • Interview preparation
    • Resume Writing assistance
    • Online application support
    • Computer training
    Creating Hope, Jobs and Futures in our Community.
    Come and take the first steps to success! 

    Brought to you by United Way of Frederick County. 


    • 02 Sep 2014
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, HU133
    • 10
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    • 02 Sep 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 15
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 09 Sep 2014
    • 6:00 PM - 8:00 PM
    • 12320 Parklawn Dr., Rockville, MD 20852
    Brought to you by Asian-American Homeownership Counseling, Inc.
    Why Does Good Credit Matter?

    Like Money? 
    Saves you tens and thousands of dollars when you purchase a home or car if you have good credit.
    Want a job?
    Your new employer may like to know how you manage your finances.
    Need a place to live?
    Your landlord may want to see your credit scores, and may/may not approve your rental application.
    Financial in Order-
    Good to have an orderly financial picture and start building your credit and savings.

    The $250 fee is waived for existing AAHC clients.
    For more information and to register call 301-760-7636.
    • 10 Sep 2014
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, CC210
    • 10
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    • 10 Sep 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Understand financial services and protect your consumer rights.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    Attend this first session and receive a free flash drive!


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 11 Sep 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Understand financial services and protect your consumer rights.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    Attend this first session and receive a free flash drive!


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 13 Sep 2014
    • 10:00 AM - 2:00 PM
    • White Oak Community Recreation Center, 1700 April Ln, Silver Spring, MD 20904, Community Room

    One Step at a Time!

     

    Credit & Asset Building

     

    How to Repair, Rebuild and

    Maintain Your Good Credit – Asset Building

     

    Meet with HUD Approved

    Housing Counseling Agency

    ** Light Lunch Will Be Served

     

    Sponsor:

     

     


    RSVP

    Please Click Here!


    Brought to you by:


    Asian-Ameircan Homeownership Counseling, Inc.


    • 15 Sep 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Create a budget that pays YOU first.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 15 Sep 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic
    money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to
    keep you and your budget on track after attending the workshop. Bring a copy of your current bills with you to the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 16 Sep 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 17 Sep 2014
    • 10:00 AM - 3:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    At our Volunteer Income Tax Assistance (VITA) Site we provide FREE income tax preparation and access to financial education and resources. We
    are able prepare current year tax returns, amend previously filed tax returns and complete back year tax returns to year 2009.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 17 Sep 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Create a budget that pays YOU first.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 18 Sep 2014
    • 10:00 AM - 11:30 AM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, CC210
    • 10
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    • 22 Sep 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Choose and keep a checking account.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 23 Sep 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This valuable financial workshop is provided courtesy of PNC Bank. In this workshop you will learn basic concepts regarding banking, budgeting, understanding your credit and identity theft prevention. You will also have an opportunity to learn about fair banking options and the latest banking products and services. PNC Bank will award you a Certificate of Completion for attending the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 23 Sep 2014
    • 2:00 PM - 3:30 PM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, HU132
    • 10
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    • 24 Sep 2014
    • 10:00 AM - 11:00 AM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This helpful workshop will provide you with the latest information regarding identity theft and fraud and how to protect yourself from becoming
    a victim. You will also receive tools and resources to assist you in the event you become a victim of identity theft or fraud.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 24 Sep 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Choose and keep a checking account.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 25 Sep 2014
    • 2:00 PM - 3:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    Are you interested in learning new tips and tricks that will help you save money? Do you have advice you would like to share on how you have successfully saved money or cut expenses in your household? Would you like to meet new people who are interested in activities like bargain
    shopping and coupon clipping? Come to our monthly Money Club meeting and start saving!


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 25 Sep 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Choose and keep a checking account.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 27 Sep 2014
    • 10:00 AM - 12:00 PM
    • 20 Courthouse Square, Suite #205, Rockville, MD 20850
    • 24

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    Topics will include:
    • Basic money management
    • How to better manage bills
    • Spending on family needs, not wants
    • How can I have a budget when I have no money?
    • How to eliminate, postpone or reduce expenses
    • Short term solutions to emergency situations
    • Prioritizing bills and knowing what bills I have to pay first
    • Spending your tax refund on things you need


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    • 29 Sep 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Credit WILL impact YOUR life – past, present and future.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 29 Sep 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic
    money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to
    keep you and your budget on track after attending the workshop. Bring a copy of your current bills with you to the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 30 Sep 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is a hands-on workshop that will help you read and understand the information found on your credit report. You will have an opportunity to pull and review your credit report during the workshop. You will learn about valuable tools and resources to help you become more credit savvy.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 30 Sep 2014
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Central Library, Poe Room, 400 Cathedral Street, Baltimore, MD 21201

    Ready to achieve your financial goals?


    Join the Baltimore CASH Campaign for a FREE

    Financial Coaching Meet and Greet.


    Topics Include:

    Baltimore CASH's Financial Coaching Program,

    Personal financial habits...and more!


    Refreshments and snacks will be provided.


    Meet with a trained financial coach and come come learn more about why financial coaching works!


    PLEASE RSVP by Friday, September 26 to:

    Courtney Bettle,

    Program Manager for Financial Stability,

    410-234-2803 or courtney@baltimorecash.org


    • 01 Oct 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Credit WILL impact YOUR life – past, present and future.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 02 Oct 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Credit WILL impact YOUR life – past, present and future.



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 06 Oct 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Make a credit card work for you!



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 06 Oct 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic
    money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to
    keep you and your budget on track after attending the workshop. Bring a copy of your current bills with you to the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 07 Oct 2014
    • 10:00 AM - 1:00 PM
    • The Prosperity Center at the Bernard W. Brown Community Center, 629 N. Market St. Frederick, MD 21701
    Looking for a job?
    Did you know Goodwill provides...

    • Job retention support
    • Self presentation
    • Interview preparation
    • Resume Writing assistance
    • Online application support
    • Computer training
    Creating Hope, Jobs and Futures in our Community.
    Come and take the first steps to success! 

    Brought to you by United Way of Frederick County. 


    • 07 Oct 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 08 Oct 2014
    • 10:00 AM - 3:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    At our Volunteer Income Tax Assistance (VITA) Site we provide FREE income tax preparation and access to financial education and resources. We
    are able prepare current year tax returns, amend previously filed tax returns and complete back year tax returns to year 2009.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 08 Oct 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Make a credit card work for you!



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 09 Oct 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243

    Make a credit card work for you!



    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 14 Oct 2014
    • 2:00 PM - 3:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    Are you interested in learning new tips and tricks that will help you save money? Do you have advice you would like to share on how you have successfully saved money or cut expenses in your household? Would you like to meet new people who are interested in activities like bargain
    shopping and coupon clipping? Come to our monthly Money Club meeting and start saving!


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 15 Oct 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is a hands-on workshop that will help you read and understand the information found on your credit report. You will have an opportunity to pull and review your credit report during the workshop. You will learn about valuable tools and resources to help you become more credit savvy.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 15 Oct 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Know what you’re borrowing before you buy.


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 16 Oct 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Know what you’re borrowing before you buy.


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 20 Oct 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Recover financially and rebuild your credit.


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 21 Oct 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This valuable financial workshop is provided courtesy of PNC Bank. In this workshop you will learn basic concepts regarding banking, budgeting, understanding your credit and identity theft prevention. You will also have an opportunity to learn about fair banking options and the latest banking products and services. PNC Bank will award you a Certificate of Completion for attending the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 21 Oct 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 22 Oct 2014
    • 10:00 AM - 11:00 AM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This helpful workshop will provide you with the latest information regarding identity theft and fraud and how to protect yourself from becoming
    a victim. You will also receive tools and resources to assist you in the event you become a victim of identity theft or fraud.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 22 Oct 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Recover financially and rebuild your credit.


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 23 Oct 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Recover financially and rebuild your credit.


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 25 Oct 2014
    • 10:00 AM - 12:00 PM
    • 20 Courthouse Square, Suite #205, Rockville, MD 20850
    • 25

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    Topics will include:
    • Basic money management
    • How to better manage bills
    • Spending on family needs, not wants
    • How can I have a budget when I have no money?
    • How to eliminate, postpone or reduce expenses
    • Short term solutions to emergency situations
    • Prioritizing bills and knowing what bills I have to pay first
    • Spending your tax refund on things you need


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    • 27 Oct 2014
    • 9:00 AM - 11:00 AM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Home ownership – it’s all that and more!


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 27 Oct 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic
    money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to
    keep you and your budget on track after attending the workshop. Bring a copy of your current bills with you to the workshop.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 29 Oct 2014
    • 10:00 AM - 12:00 PM
    • Human Service Programs of Carroll County, Inc., 10 Distillery Drive Suite G1 Westminster, MD 21157

    This is a hands-on workshop that will help you read and understand the information found on your credit report. You will have an opportunity to pull and review your credit report during the workshop. You will learn about valuable tools and resources to help you become more credit savvy.


    To enroll in the Economic Success Program….
    Contact Kim Brumbaugh, Program Specialist

    410.857.2999 x 3041 or kbrumbaugh@hspinc.org



    • 29 Oct 2014
    • 2:00 PM - 4:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Home ownership – it’s all that and more!


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 30 Oct 2014
    • 7:00 PM - 9:00 PM
    • ALL WORKSHOPS MEET IN STUDENT CENTER ROOM 243
    Home ownership – it’s all that and more!


    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered!


    With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on important financial topics.


    The workshops will be held multiple times over an eight-week period during the fall 2014 semester.


    You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com.

    • 04 Nov 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 08 Nov 2014
    • 10:00 AM - 12:00 PM
    • 20 Courthouse Square, Suite #205, Rockville, MD 20850
    • 25

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    Topics will include:
    • Basic money management
    • How to better manage bills
    • Spending on family needs, not wants
    • How can I have a budget when I have no money?
    • How to eliminate, postpone or reduce expenses
    • Short term solutions to emergency situations
    • Prioritizing bills and knowing what bills I have to pay first
    • Spending your tax refund on things you need


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    • 18 Nov 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 02 Dec 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


    • 06 Dec 2014
    • 10:00 AM - 12:00 PM
    • 20 Courthouse Square, Suite #205, Rockville, MD 20850
    • 21

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    Topics will include:
    • Basic money management
    • How to better manage bills
    • Spending on family needs, not wants
    • How can I have a budget when I have no money?
    • How to eliminate, postpone or reduce expenses
    • Short term solutions to emergency situations
    • Prioritizing bills and knowing what bills I have to pay first
    • Spending your tax refund on things you need


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    • 16 Dec 2014
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    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.


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