In the Know with HJW

Budget and credit education focuses on the financial management of adults in a day-to-day operation. The workshops will include but not be limited to check-writing, balancing your checkbook, creating a budget, savings, credit cards, credit reporting & scoring, and other major financial topics to increase knowledge and economic empowerment to the citizens in the communities. Youth Financial Literacy Conferences and Retreats will educate youth on economic development, financial management, savings, and banking. 

 Pre-Purchase Education ~ These classes are forums of information exchanges designed to help potential home buyers understand budget and credit , learn about the mortgage loan process, find the right house, understand the loan closing, prevent foreclosure, learn basic home maintenance and avoiding predatory lending. This educational program is designed to rely on the expertise of local professionals – Realtors, lenders, home builders, professional home inspectors, housing counselors, insurance representatives, etc. to teach the different classes. Post-Purchase Education ~ These classes offer financial planning, working with a contractor, understanding home equity, home maintenance, homeowners insurance, property taxes, facts about the mortgage, home improvements, and avoiding predatory lenders. 

 This projects mission is directly promoting financial education, counseling, and empowerment by equipping underserved high school students with the knowledge, resources, and financial support necessary to pursue and persist in higher education. By building scholarship readiness, offering mentorship, and teaching financial decision-making the program fosters lifelong financial capability and socioeconomic mobility 

 IDA is an asset building program to assist in financial independence. The program matches 4 to 1 in savings up to $500. These funds must be used for homeownership, education, or starting a business. Financial education is required.