Our Classes

Your path to financial wellness starts here.

Onward provides free, unbiased financial education and guidance to help you navigate your finances with confidence. From insightful group workshops to personalized one-on-one coaching, our classes offer the support and knowledge you need. Browse our schedule below to find a class that’s right for you and your financial journey.

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UNDERSTANDING YOUR CREDIT SCORE

Understanding credit scores, utilizing credit management tools, improving your score, managing loans and credit cards, and ultimately building good credit are key aspects of navigating the “credit mountain.”

1-on-1 coaching: Review your credit report with your coach and create an action plan for improving your score. (Your coach will do a soft pull of your credit.)

SAVING TODAY FOR WHAT YOU NEED TOMORROW

Prioritizing paying yourself first and understanding different checking and savings account options, along with dividends and compound interest, are important steps to implementing strategies for emergency and long-term savings goals.

1-on-1 coaching: Make every dollar count by working with your coach to set up a digital envelope system, Bill Pay, and Debit Card Round Up.

SKIP THE BUDGET AND DO A SPENDING PLAN

Creating a spending plan is essential and involves understanding  the basics, getting started, reducing unnecessary expenses, organizing spending, and setting financial goals

1-on-1 coaching: Work with your coach to create a comprehensive spending plan and adjust your expenses to help you reach your goals.

LIVING IN YOUR SPENDING PLAN

To achieve financial well-being, it’s important to set SMART goals, understand spending psychology to avoid impulsive purchases, practice saving for various objectives, and assess your current financial status, including income, expenses, and debts

1-on-1 coaching: Work with your coach to identify and eliminate unnecessary expenses and align with your financial goals.

HOW TO LOSE YOUR DEBT BAGGAGE

Understanding debt types and interest rates, your debt-toincome ratio, debt reduction and loan management strategies, consolidation and refinancing options, and the snowball debt payoff method are crucial for managing debt effectively

1-on-1 coaching: Review your credit report with your coach and create a plan to manage or reduce your debt.

THE REAL COST OF RENTING AND HOW YOU CAN BUY A HOME

Understanding the realities of renting versus buying involves navigating down payments, preapprovals, mortgage types, key terms like DTI and PMI, and the costs of homeownership

1-on-1 coaching: Discuss the pros and cons of renting vs. owning your home with your coach to decide what’s right for you. (If you’re ready to buy, walk through the next steps with your coach!)

AVOID THE BAIT

Protecting yourself from fraud involves understanding common scams and current trends like spoofing and skimming, being aware of AI’s future impact, recognizing situations like elder abuse, and knowing how to recover from scams.

1-on-1 coaching: Review your credit report with your coach to identify potential fraud and discuss freezing your credit.

Want a personalized workshop?

We offer additional, personalized topics in our workshops and through our
PT sessions to meet your needs, including:

  • Changing your habits to meet your goals.
  • Using home equity loans and lines.
  • Getting back on track after bankruptcy, divorce, or death.
  • Managing medical debt.
  • Reviewing your retirement plan.