FINANCIAL EDUCATION
MATERIALS
1
Financial Education Course Outline
1. Financial Basics
2. Introduction to Checking
3. Budgeting
4. Setting Financial Goals/Importance of Savings
2
SECTION 1
Banking Basics
Learn the Nuts & Bolts
Brief introduction on banking basics
I.
II.
III.
IV.
Identify five reasons to use a financial institution.
Describe the steps involved in opening an account.
Describe two types of deposit accounts.
Identify additional financial services that come with deposit accounts.
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Brief introduction on financial basics
A. Identify five reasons to use a financial institution.
1. Safety
2. Convenience
3. Cost
4. Security
5. Financial Future – Building a relationship with a bank will establish a record
of paying bills, can help you save money, and is necessary for getting a loan
B. Describe the steps involved in opening a bank account.
1. Before opening an account, most financial institutions will review your
history of using checking accounts through companies such as TeleCheck or
ChexSystems. Some financial institutions will run a full credit report to
determine the level of risk. If you have a history of bouncing checks or
misusing your accounts, financial institutions might not open an account for
you.
2. The institution will need your photo identification, usually a driver’s license,
and your Social Security Number (SSN) or Individual Taxpayer Identification
Number (ITN) to verify the information.
3. If you are not a citizen of the U.S., some financial institutions may accept
other forms of photo identification. Other types of identification may include
the matricula consular card, resident alien card (Green Card), or passport.
C. Describe two types of deposit accounts.
1. Checking Account – Customers can deposit and withdraw money in this
account. These can also be used to write checks for goods and services
2. Savings Account – Customers can deposit money into a savings account to
earn interest and use for large purchases or other savings goals
D. Identify additional financial institution services that come with deposit accounts
1. Direct Deposit of payroll checks
2. Money Orders
3. Loans
4
Section 2
Introduction to Checking
5
Writing a Check
Writing checks is easy, after you have some practice. Make sure to always use a pen and
write neatly. Don’t forget the #1 rule…Only write checks when you have enough money
in your account. Every time you write a check, you’ll fill in these six spots:
1. Date: Write in the day you are filling out the check.
2. Pay to the Order of: Write in the name of the person(s) or place to whom you are
writing the check.
3. $ Amount: Write the amount the check is for in numbers. When you write the
number, start at the left and don’t leave space. People could add in more numbers
if you don’t.
4. Dollars: Write, in words, how much the check is for. When you write the words
for the dollars, starts at the left side. Write any cents as a fraction. Draw a line
through the extra space.
5. Signature: Sign your name here, just like it is on the top of the check. Don’t sign
it until you use it. If you sign it ahead of time, someone else could use the check.
6. Memo: Indicate what the check payment is for.
Now your check is complete. Don’t forget to enter it into your check register.
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How to Keep Track of Your Money
The way you keep track of your money when you have a checking account is by using a
check register. This is where you write down everything you do with your account.
Whenever you deposit money or withdraw money, write it down in the check register
immediately. This is called recording a transaction. Let’s take a look at a check register
and how it works.
1. Number: This is the check number. You’ll find it in the upper right hand corner
of each check. Every check has a different number.
2. Date: Write in the date of the transaction.
3. Description of Transaction: This tells what you did. Did you deposit money? Did
you write a check? Use the Automated Teller Machine (ATM)? Make a
telephone transfer? Describe your transaction here.
4. Payment/Debit: This is the amount of the check or how much the withdrawal is
for.
5. Code for Transaction: This is where you fill in a code for transactions you make
when you aren’t writing a check. When you get your statement, every month
you’ll place a “” through this box if you see the transaction listed.
6. Service Fee: If your financial institution charges you money to write each check,
or to withdraw money from the ATM, write that fee in this space.
7. Deposit / Credit: Did you deposit money into your account? Write down the
amount here.
8. Balance: To find out how much money you have, add the deposited money to
what you had before. Or subtract the withdrawal amount from what you had
before. The money left is your balance.
Note: When you write a check, withdraw money from the ATM, or deposit money into
your account, write it down right away. It’s easy to forget if you wait.
This is a completed register. Note the different types of entries. Next you’ll learn
how to fill out a deposit ticket.
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Deposit Money
When you’re ready to deposit money at your financial institution, you need to fill out a
form called a deposit ticket. You’ll find your deposit tickets in your checkbook, behind
the checks. Just like checks and check registers, there are spots you need to fill in. It is
very important that you use a pen and that you write neatly.
1. Date: The day you are depositing money.
2. Cash: The amount of cash you are depositing. Put each check on its own line.
3. Check Entry Area: This is where you write down each check you’re depositing.
Put each check on its own line.
4. Additional Check Entry Area: The back also has space for checks, if you run out
of room on the front.
5. Total From Other Side: If you have more than three checks and wrote them down
on the back side, add them up and put the total here. If you are depositing three
checks, this is the place you write down the third one.
6. Sub Total: Add all the cash and check amounts together and enter amount here.
7. Less Cash Received: If you want to deposit part of the money and get part of the
money in cash, write down how much you want given back to you in cash.
8. Sign Here: If you want cash back, you need to sign your name here.
9. Net Deposit: Add all the cash and all the checks together. If you are getting any
cash back, subtract that. The amount left is your net deposit. Write down that
amount here.
Note: You will get a receipt for your deposit. Keep receipts until you receive your
monthly statement.
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Here is your completed deposit ticket. Did you remember to endorse your checks? Next,
you’ll see the different types of endorsements.
Front
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Endorse a Check
To deposit a check, you need to endorse it. That means you sign your name in ink on the
back of the check. You must sign your name the same way it’s written on the check. If
your name is spelled wrong, also sign your name the correct way on the next line.
There are a few ways to endorse your check.
1. Blank Endorsement: Sign your name the same way it’s written on the front of the
check. Make certain to sign it only when you’re ready to cash it or deposit the
money into your account. Once the check is signed on the back (endorsed), if you
lose it, someone else could get your money.
2. Special Endorsement: Do this when you want to give someone else the money.
Write “Pay To The Order Of “ and that person’s name below it. Then, sign your
name underneath. Now, that person is the only one who can cash the check.
3. Restrictive Endorsement: When you want your check to be very safe, like when
you send it to your financial institution in the mail, use this kind of endorsement.
Write “For Deposit Only” and sign underneath. Now, the check can only be
deposited into your account and not cashed.
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Monthly Statement
Every month, you’ll get a statement from your financial institution. Here are the different
sections:
1. Return Address: This is where your financial institution sends your statement
from.
2. Account Information: Here is where you will find your personal information, like
the type of account you have, account number and social security number.
3. Deposits: This is where your deposits are listed. You’ll see the date and the
amount of money you deposited.
4. Checks and Deductions: These are all the checks you wrote for the month that
have been processed. You’ll see the date, the check number, and the amount you
wrote the check for. If you see dots or stars between the check numbers, that
means either you are missing a check, or that the check is outstanding. You’ll
also find your ATM and other withdrawals here.
5. Daily Balances: You’ll see dates listed and how much money was in your account
on that day.
6. Ending Balance: Here is a summary of your account for the month, you’ll see
how much money you started with, how many withdrawals you made, how much
money you deposited, and how much money you have left in your account.
7. Customer Service Number: This is the phone number you can call if you have any
questions about your account or your statement. Remember, if there is something
you don’t understand about your account, call the number you see on your
statement to get your questions answered by your financial institution’s customer
service department.
Please remember that the style of statements for each financial institution may vary
slightly, but typically contain the same information.
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Balance Your Checkbook
In this section, we’ll cover how to balance, or reconcile, your account. That just means
you’ll see how much you deposited into your account, how much you spent, and how
much you have left.
To balance your account, look at your check register and your statement together and
compare them. Here’s how to start:
1. If your financial institution returns your checks to you, put them in order
according to the check number.
2. Look at the statement; find the first check number listed.
3. Look at your check register. Find that same check number and place a check
mark in the column labeled “Code”. Do this for every check on your statement.
If you see checks in your check register that are not listed on the statement, they
have not cleared the financial institution yet. Don’t check them off. They will be
listed on a future statement.
4. Now, just like you did with the checks look at the statement again and find the
first deposit listed. Now, look at your check register and place a check mark in
the column labeled “Code” for every deposit on your statement.
5. Look to see if you have any other service fees or charges for checks, ATM
withdrawals, financial institution services, or automatic deductions (a car loan, for
example) listed on your statement. Also, check to see if your financial institution
pays interest on your checking account, the interest amount must be added to your
check register.
6. Enter the fee or interest amounts in your checks register. Don’t forget to add or
subtract these amounts from your balance.
Now, your checkbook should be up-to-date. Most of the time, your checkbook
balance and the statement won’t match. That is normal. This happens because of
those outstanding checks we discussed earlier and any deposits that you made after
the statement was printed.
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7. Next, go to the reconciliation form usually on the back of the statement. This is a
form to help you balance your account. Just like all the other forms we’ve talked
about, there are spots for you to fill in.
8. List deposits, checks, and other withdrawals that you have written in your check
register but are not listed on the statement in proper columns.
9. Write down the total of the deposit list and the checks/withdrawals list.
10. Write down the ending balance printed on the front of your statement.
11. Enter the total deposits from line 2. Add lines 3 and 4. Enter on subtotal line.
12. Enter the total withdrawals from line 2 and subtract from subtotal.
13. Now, the balance of your checkbook should match the ending balance on your
reconciliation form. If the amounts match, you’re done!
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If the amounts do not match, calculate the difference. Review your statement and check
register to see if there is an item of the same amount that may have been missed or double
counted. If you still don’t match, go back to where you balanced last month, and use a
calculator to check your adding and subtracting. If you still have trouble reconciling your
account, just call the customer service number listed on your statement for assistance.
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Sample Check
Complete the following areas when writing a check:
1. Date: Be sure to write the complete date, including the month, day, and year; for
example, February 26, 20_ _.
2. Pay to the Order of: This is where you write the name of the person or company
to whom you will give the check. After writing the name, you can draw a line to
the end of the space. This prevents anyone from adding an additional name on
your check.
3. $: Write the dollar amount of the check in numbers, for example, $19.75.
4. Dollars: Write the dollar amount of the check in words, for example, “Nineteen
and 75/100.” After writing out the amount of the check, draw a line to the end.
This prevents anyone from adding an additional amount after what you have
written.
5. Memo: Writing in this area is optional. You can use it to remind yourself of the
reason you wrote the check or to record the account number of the bill you are
paying.
6. Signature Line: Sign your name here.
Check Writing Tips



Write in blue or black ink.
Write clearly.
Remember to record each check you write in your check register.
If you make a small mistake, such as starting to write the dollar amount in the “Pay to
the Order of” area, cross out the incorrect information and write your initials above
what you crossed out. Then, write the correct information. Some stores will not
accepts checks with crossed out information.
If you make a large mistake, write “VOID” across the check or tear it up. A check
with VOID across it is no longer usable.
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Writing a Check
Scenario
On February 26, 20XX, you decide you want to buy a coffeemaker from a store called
Coffee Mart. The coffeemaker costs $19.75, including tax.
Instructions

Take a look at your Practice Check Register. Do you have enough money in your
checking account to write a check for this coffeemaker? _____________

Fill in the check below to record your purchase of the coffeemaker.

When the instructor tells you to do so, record this information in your check
register:





Check #: 101 (preprinted)
Date: 2/26/20XX
Description of Transaction: Coffee Mart
Payment/Debit ( - ): $19.75
Balance: $_________
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Practice Check Register
Check
Number
Date
1/15
Description of
Transaction
Beginning Balance
Payment/Debit
(-)
Fee
Deposit/Credit
(+)
Balance
50 00
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Good Advice to Prevent ID Theft
1. Order checks from your financial institution. Many financial institutions offer a
variety of checks including specialty checks. An independent company may not offer
proper protections to secure your account information. DO NOT print your driver’s
license number, unlisted phone number, social security number, or date of birth on
your checks.
2. Sign the back of your credit cards. Also include, “PHOTO ID REQUIRED".
3. Utilize online bill pay through your financial institution to avoid mailing checks from
home.
4. If mailing check payments from home, avoid placing the full account number on the
memo line. Instead, write the last four digits of the account number (----1234). The
credit card company can track the rest of the number using your name and address,
which is printed on the check.
5. If you have a PO Box use that instead of your home address.
6. Do not leave your purse or wallet in the car out in plain view or in an unattended
shopping cart. Doing so can encourage theft.
7. Lock your valuables at home in a safe, drawer, cabinet, etc. Consider unused credit
cards and checks as valuables.
8. Don’t give out personal information over the telephone, Internet, or through the mail
unless you have initiated contact and know who you are dealing with. Call anyone
back using a phone number found in the Yellow Pages or an online directory
assistance service.
9. Use a cross-cut shredder before putting any personal information in the trash. This
includes old credit and debit cards, pre-approved credit applications, and anything
with your social security number listed.
10. Don’t throw away pill bottles with the RX information on the bottle.
permanent black marker to block the name and RX number.
Use a
11. Verify the accuracy of your all account, credit card, and and/or billing statements.
Make sure that no one has accessed your accounts and that all transactions are
YOURS!
12. Update firewalls on home computers regularly. There are free firewalls available.
ALWAYS REMEMBER IF IT SOUNDS TOO GOOD TO BE TRUE…
IT IS!
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Availability of Funds in Your Deposit Account
Each bank has its own specific rules as to when you can have access to funds you deposit
into your account based of various rules, however there is a federal regulation called
regulation CC that they must use as a guide for designing their policies. When you open a
deposit account ask your banker to review the specific regulation CC rules with you for
their bank which will be listed in the deposit account agreement they are required to give
you.
In most cases when you make a deposit with a payroll check or other type of check those
funds are not available for you to withdraw or spend with a check, debit card, ATM card
or any other means for at least 1 to 2 days. The reason for that is the bank must send the
check to the bank the check was written on to receive their payment for the check. Some
banks may not allow use of cash deposits for 1 day also. Deposits into an ATM machine
are often delayed by 1 day so the bank has time to verify the deposit. If you spend this
money before it is available you will be charged on overdraft fee.
Longer delays may apply for checks totaling more than $5,000 on any one day,
suspicious checks, or checks which bounced the first time and you are redepositing them.
If you repeatedly overdraw your account the bank also has the right to delay your
availability of a deposit. There are also special rules that can apply to an account that has
been opened for less than 30 days. In each of these cases the bank must specifically
notify you that a longer delay will apply to your deposit, note that they do not specifically
notify you of the standard availability schedule except by the original rules given to you
at account opening.
NOTE THAT MOST FINANCIAL INSTITUTIONS GIVE YOU IMMEDIATE
AVAILABILITY TO YOUR FUNDS IF THEY ARE ELECTRONICALLY
DEPOSITED INTO YOUR BANK ACCOUNT BY MEANS OF A DIRECT
DEPOSIT FROM YOUR EMPLOYER OR GOVERNMENT PAYMENT. It is to
your advantage to sign up with your employer to have your payroll direct deposited into
your deposit account. Not only does this give you quicker availability to your funds but it
is safer as it eliminates the risk that someone steals your check or that it is lost. Talk to
your banker when you open up your account and they can give you advice on having this
set up.
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Section 3
Budgeting
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How To Prepare a Budget
Step 1: Track daily spending.
Step 2: Determine income and expenses.
Step 3: Find ways to decrease spending.
Step 4: Find ways to increase income.
If you want to be in control of your money, it is critical that you understand where your
money goes. One way to do this is to keep a spending diary to record everything you
spend.
You can use this information to track your spending over a period of time, say a month,
so that you can see how you are spending your money.
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Daily Spending Diary
Day
What did I spend my money on today?
Sunday
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
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Monthly Income and Expense Worksheet
My Income
My Expenses
Fixed Expenses
Wages
$__________
Public Assistance
$__________
Child Support/
Alimony
$__________
Interest/Dividends
$__________
Social Security
$__________
Advanced Earned
Income Credit
$__________
Other
$__________
Rent/Mortgage
$________
Property Taxes/Insurance
$________
Trash Collection
$________
Cable
$________
Car Payment
$________
Car Insurance
$________
Other loan payments
$________
Health Insurance
$________
Day care/Elder care
$________
Flexible Expenses
Total Income
$________
Savings
$________
Gas/Oil
$________
Electricity
$________
Water
$________
Telephone/Cell Phone
$________
Food
$________
Transportation/Gas
$________
Car maintenance
$________
Education
$________
Personal expenses
$________
Charity/Donations
$________
_______________
$________
_______________
$________
Total Expenses
$________
* Remember to plan for income and expenses that do not occur on a monthly basis.
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Tips to Help You Decrease Spending or Save More Money

Carry only small amounts of cash in your wallet so you will not spend it.

Use direct deposit for your paycheck or federal benefits, such as Social Security
(see “Myths and Facts about Direct Deposit” on the next page).

Control your use of credit cards.

Do not go shopping just for fun.

Take your written savings goals with you as a reminder.

Buy only what you need-do not buy things just because they are on sale.

Use coupons to save money.

Use a grocery-shopping list to prevent impulse buying.

Take your lunch to work instead of eating out.

Shop around to get the best deal on big-ticket items like cars and appliances.

Pay your bills on time to avoid late fees, extra finance charges, utilities being
turned off, eviction, repossessions, and the costs of a bad credit rating.
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Other Budgeting Tools
Here are a few other budgeting tools you can use at home. Use the one with which you
are most comfortable.
Expense Envelope System

This tool is useful if you pay your bills in cash each month.

Make an envelope for each expense category, such as rent, gas, electricity, and
food.

Label the envelope with the name of the category, the amount, and the due date.

When you receive income, divide it into the amounts to cover the expenses listed
on the envelopes.

Pay bills right away so you won’t be tempted to spend the money on something
else.
Budget Box System

The budget box is a small box with dividers for each day of the month.

When you receive a bill, check the due date and place it behind the divider
that represents the bill’s due date.

As you receive income, pay all bills that are due.
Computer System
If you have access to a personal computer, you can create your own spreadsheet. You
may also want to purchase a personal finance program. They are available for less than
$75.
Using a computer to manage your finances is relatively simple. Once you set up the
system, updating information is quick and easy. It is important to enter transactions
frequently to truly understand your financial position.
FDIC Money Smart-Financial Education Curriculum
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Section 4
Setting Financial Goals/Importance of Savings
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Goal Setting Success Guide
Financial Goal Setting - Four Steps
There are no hard and fast rules for implementing a financial goal setting plan. The
important thing is to at least do something as opposed to nothing, and to start NOW.
Here are four steps you can apply to any financial goal setting exercise:
Step 1: Identify and write down your financial goals, whether they are saving to send
your kids to college or University, buying a new car, saving for a down payment on a
house, going on vacation, paying off credit card debt, or planning for you and your
spouse’s retirement.
Step 2: Break each financial goal down into several short-term (less than 1 year),
medium-term (1 to 3 years) and long-term (5 years or more) goals, which will make this
process easier.
Step 3: Educate yourself and do your research. Read Money magazine or a book about
investing, or surf the Internet's investment Web sites.
Step 4: Evaluate your progress as often as needed. Review your progress monthly,
quarterly, or at any other interval you feel comfortable with, but at least semi-annually, to
determine if your program is working.
If you're not making a satisfactory amount of progress on a particular goal, re-evaluate
your approach and make changes as necessary.
Sometimes when people write down their goals, they discover that some of the goals are
too broad in meaning and nearly impossible to reach, while others may seem smaller in
scope and easier to achieve.
Break your goals down into three separate time categories. By placing a time frame on
your goals you are motivating yourself to get started and helping to allow you the chance
to succeed. Just remember that you can adjust the time frame whenever you want to.
Long-term goals (over 5 years) are those things that won't happen overnight, no matter
how hard you work to achieve them.
They make take a long time to accomplish (hence the reason they are called long term
goals), so give yourself a reasonable amount of time, that are based on your best
estimates of what it will take to achieve them.
Examples of long-term goals might include college education for a child, retirement plan
or purchasing a home. Whatever the case, these goals generally require longer
commitments and often more money in the end.
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Website – About-Goal-Setting
Intermediate-term goals (1 - 5 years) are the type of goals that can't be executed overnight
but might not take many years to accomplish.
Examples might include
purchasing/replacing a car, getting an education or certification, or paying off your debts
like credit cards etc. (depending on the amount).
Short-term goals (within one year) generally take one year or less to achieve, based on
the date the task is needed, the total estimated cost, and the required savings.
What are your goals? To find out, you need to make up a list, decide which timeline your
goal fits into, detail the steps necessary to achieve your goals, then take action toward
reaching those goals. It’s that simple.
You might be wondering where to start with your financial goal plan. These are some
basic tips to help you in making the best choices for you.
After looking at these tips, it is best for you to go out and do some research to find the
method(s) that suit you best.







Begin by taking 5%-10% out of each pay check and put it in a savings account.
Look into different investment strategies such as IRA’s, stocks, RRSP’s, Mutual
Funds, personal investments, etc. There are many more and all can assist you in
short and long term goals.
Start making a budget for yourself that leaves you with some extra money and
follow it.
Use your coupons that is why they are there. It seems like small savings, but add
together you could save $20 to $30 at each trip to the market.
Shop around for bargains.
Do not live outside of your means.
Work with a credit counselor to get help in lowering your monthly expenses and
get rid of your debt.
These are just some of the things that you can do when beginning your financial goal
setting plan.
The steps to setting goals successfully don’t change, only the methods that you use to go
about it.
For example, when it is career wise, work to get noticed; for relationships, work on
maintaining your intimacy or getting it back; in financial goal setting, work to save and
invest money.
It really is that easy.
Website – About-Goal-Setting
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Saving Tips
1. Consider needs versus wants. Think about the items you purchase on a regular
basis. These add up. Where can you save?

Do you eat out at restaurants a lot?

Can you cut back on daily expenses, such as coffee, candy, soda, or
cigarettes?

Do you have services you do not really need, such as cable television or a
cell phone?
2. Direct deposit or automatic transfer to savings.

When you get paid, put a portion in savings through direct deposit or
automatic transfer.

If you have a checking account, you may sign up to have money moved
into your savings account every month. What you do not see you do not
miss!

You may purchase U.S. Savings Bonds through payroll deduction.
3. Pay your bills on time. This saves the added expense of:

Late fees

Extra finance charges

Disconnection fees for utilities such as phone or electricity

Fees to reestablish connection if your service is disconnected

The cost of eviction

Repossession

Bill collectors
4. If you use check-cashing stores regularly, you might pay $3 to $5 for each check
you cash. This can easily add up to several hundred dollars in fees every year.
Consider opening a checking account at a bank or credit union.
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5. If you would like more information about checking accounts, you can take the
Check it Out module.
6. If you get a raise or bonus from your employer, save that extra money.
7. If you have paid off a loan, keep making the monthly payments to yourself. You
can save or invest the money for your future goals.
8. If you receive cash as a gift, save at least part of it.
9. Avoid debt that does not help you build long-term financial security. For
example, avoid borrowing money for things that do not provide financial benefits
or that do not last as long as the loan. Examples include: a vacation, clothing, and
dinners out in restaurants. Examples of debt that helps build long-term financial
security include:

Paying for college education (for you or your child)

Buying or remodeling a house

Buying a car to get to work
10. Save your change at the end of the day. Take that change and deposit it into the
bank every week or month.
11. When you get a tax refund, save as much of it as possible.
12. If your work offers a retirement plan, such as a 401(k) or 403(b) plan that deducts
money from your paycheck, join it! Most employers will match up to $.50 on
each dollar you contribute. The matched amount is free money!
13. If you decide to make investments, do your homework. Know what you are
investing in. Get professional advice if you need it. You should have enough in
savings to pay for 2 to 6 months of expenses in case of emergency. Make sure
you have an emergency savings account before considering investing in
nondeposit products.
14. If you own stocks, reinvest the dividends to purchase more stocks. Some
companies offer an easy way to do this called a Dividend Reinvestment Program
(DRIP). This process increases your investment faster, similar to compounding.
15. If you are interested in learning about investing, consider joining an investment
club. Investment clubs are groups of people who work together to understand the
process and value of investing even small amounts of money (as little as $5 to
$10).
FDIC Money Smart-Financial Education Curriculum
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Evansville Financial Literacy Providers
Catholic Charities “Neighbor to Neighbor”
Budgeting and debt management (Outreach Program)
Contact: Ms. Terry Lautner-Uebelhor
123 NW 4th Street
Evansville, IN 47708
812-423-5456
Community Action Program of Evansville
Pre-purchase homeownership counseling, debt management, credit
management and budgeting
Contact: Aretha Graves
27 Pasco Avenue
Evansville, IN 47713
812-492-3967
Habitat of Evansville
Pre-purchase counseling, debt management and budgeting for its partner
families seeking to a home
Contact: Amanda Sartore
1401 N. Fares
Evansville, IN 47711
812-228-7797
Hope of Evansville Inc. /OGC
Pre-purchase home ownership counseling, post-purchase homeownership
counseling and debt reduction
Contact: Tom Coe
608 Cherry Street
Evansville, IN 47713
812-423-3169
Junior Achievement of Southwestern Indiana, Inc.
Basic economics and financial education for elementary school students
Contact: Ms. Theo Boots
233 SE 3rd Street
Evansville, IN 47713
812-425-8152
Momentive
Debt management, credit management and budgeting
Contact: Sonja Williams
Tri-State Professional Building
715 1st Avenue
Evansville, IN 47710
812-422-1108 (ext 3068)
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Financial Peace University
Debt reduction and budgeting program offered at many local places of worship
Blue Grass Church
Budgeting and personal financial management (Financial Peace
University)
Contact: Jim Keepes
813 Herndon Drive
Evansville, In 47711
812-437-2193
Or Contact Tracy McEuen
3631 E. Boonville-New Harmony Road
Evansville, IN 47725
812-626-0120
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