BANK ON: How to open and maintain a Bank Account. Purpose:  Overview of Banking services, to help participants build a positive relationship with a financial institution. Objectives:  Identify types of insured financial institutions. Describe steps involved in opening and maintaining a bank account.  Describe two types of deposit accounts.  

Purpose: Describe how credit works and helps participants determine if they are ready to apply for credit. Objectives: Define credit and loan, Identify the factor lenders use to make loan decisions. Describe how to guard against predatory lending practices.

Purpose:   Show participants how to manage their money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Objectives: Lists steps for setting financial goals. Prepare a spending plan to estimate monthly income and expenses.  Identify ways to decrease spending and increase income.

Purpose:  Helps participants identify ways they can save money and introduces savings options that will help them reach their goals. Objectives:  Explain why it is important to save. Identify saving options. List ways to save for retirement and large expense goals including children's college tuition, a car or home purchase, or a vacation.

Purpose:  Show participants how to manage their money by preparing a personal spending plan and identifying ways to decrease spending and increase outcome. Objectives:  List the steps for setting financial goals.  Prepare a spending plan to estimate monthly income and expenses.  Identify ways to decrease spending and increase income.