Catalog of Seminars üfitness. Financial. (810) Empowered by ELGA Credit Union

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1 Catalog of Seminars 2018

2 Our seminars are ready to meet you where you are financially and give you the tools to move forward from there. The budgeting skills you gain help put money back into your budget and allow you to start working on your next big goal. Welcome to Fitness

3 Success Story My husband had pulmonary fibrosis. He was given 2-5 years to live. He was forced to stop working and go on disability. We lost health insurance and his income. While he was in the hospital, I lost wages while trying to manage things on my own and visit him in the hospital. Medical bills were piling up and he eventually passed away. I turned to ELGA for help and Lori was able to help me save my home. She worked through MSHDA to get us grant money for our home, paying ½ our monthly payment for a year. She then worked with me to get the payment to something affordable for my income alone. Without this help, I would have lost my home with the memories my husband and I had together. Burton Member

4 Courses ELGA Credit Union promotes financial wellness by offering free Fitness workshops located near our branch locations in Genesee County. Our seminars help move you forward on the best path for your specific circumstances. If you would like our success coach to work with you one on one, paid time is available. You can choose to work on individual budgeting, meal planning, weighing out big financial decisions, and to use the other tools taught in our seminars SERIES 1-3 Survival at Home Feeding My Family Costs How Much? Pay Those Kids A Salary, It s Cheaper! SERIES 4-6 Gaming, Pay Me! Reverse Lotto Raining Money SERIES 7-9 I Have a High School Junior/Senior College Bound New Wheels SERIES Opening the Door My Dream Vacation My Child Wants to Get Married SERIES FINALE Freedom

5 SERIES 1-3 Survival at Home Seminar #1 We all know life is just plain expensive. This course will give you tips to save money. We will create a monthly budget and get a feel for how much you have to spend monthly and what bills are going out. You will find ways to save on things you are already doing. This will tell you how much you can afford, save and help you set some annual and life goals. Feeding My Family Costs How Much? Seminar #2 How much does it really cost to feed my family? After this session, you will learn how to plan out your meals for the month. You will see your grocery budget shrink and your family will eat at home more. You will still get to dine out some days, but the cost won t cause any stress because its already a part of your plan. Pay Those Kids a Salary, it s Cheaper! Seminar #3 Paying your kids a weekly allowance is so much cheaper than buying them things each time they ask for it. When you make them work for it, they appreciate it. When they have to pay for it themselves, they make better decisions. By helping your kids in this way, you will be serving them and their future spouse by teaching them important things when it really matters.

6 SERIES 4-6 Gaming, Pay Me! Seminar #4 So many places offer rewards, but it is difficult to grasp which ones really benefit the consumer. This seminar will show you how to be loyal to certain businesses to gain the rewards they are offering. You will also learn to use your smart phone to get points when shopping. The benefits of gaming are cash, gift cards, gas and more. Reverse Lotto Seminar #5 This is a time where we can show you some of the accounts ELGA has that can work for you. We will work on getting you set up with our Save to Win, Relationship Rewards and much more! Raining Money Seminar #6 When emergencies happen, we need to know we have the funds to cover them. Emergencies range from needing new tires on your car to a household repair. We all have expenses for which we didn t budget and not having to pay for it on credit or run to a pay day cash advance store is the goal. Discussions include benefits of selling on different sites such as Ebay, Facebook county sales, Poshmark and Amazon. We also talk about the benefits of tax deductions for leftover unsold items.

7 SERIES 7-9 I Have a High School Junior/Senior Seminar #7 Having a high schooler about to graduate can get expensive. You have to think about senior pictures, open house and more. Planning ahead could mean a world of savings! College Bound Seminar #8 Preparing for sending your children to college is scary. Should they have a savings account with an ATM card or a checking with a debit card? Should they have a credit card to begin building credit before they graduate so they will be ready to get a vehicle when they get out? This seminar will give you all the helpful tools you will need to help you make these decisions. New Wheels Seminar #9 Most people shop for a vehicle on impulse without studying the facts first. Should I buy or lease? Should I sell out right or trade my old car in? Should I buy new or used? Essential planning tips may help you save hundreds or even thousands of dollars.

8 SERIES Opening the Door Seminar #1o Should I rent or buy? Should I stay in my starter home and get it paid off or should I use my equity to purchase a bigger home? Should I pay extra on the principle or should I just make the minimum payments so I can get the itemized deduction on my Schedule A? My Dream Vacation Seminar #11 Do you have a dream vacation you ve always wanted to plan? Should you drive or fly? Should you stay in a hotel or condo? We will go over tips to help you make the best decisions based on your dream. My Child Wants to Get Married Seminar #12 I thought college was my last big expense, but now it s time to plan a wedding. How can I plan a wedding on a budget? Should I spend more money on the wedding or reception? Is the caterer more important than the photographer? Should I plan on spending what I have saved or should I take a loan out to make the wedding an event to remember?

9 SERIES FINALE Freedom Seminar Finale This is all about setting yourself up to be debt free. To do this, you will need to put many of the tools you ve learned in the seminars to work for you and get on the best spending habits for your budget. If you are successful, you can learn how to set yourself up for a great retirement! After going through bankruptcy, we were in the process of losing our home. Not fitting into any program to save our home, nor wanting to rent forever, we were referred to Lori at ELGA Credit Union. Lori put us on a whole new pathway in life. She put us on a plan and explained what we needed to do to fix our situation and after a little over one year of following Lori s recommendations, we had improved our credit score, saved money, and we were able to purchase a new home. We thank Lori and ELGA Credit Union for helping us. Lori really knows how to help people in financial trouble. The Russells, Flint, MI

10 Lori Hawk is passionate about helping people see how to do more with their hard earned money. She returned to ELGA Credit Union at the peak of the housing crisis when many people were losing their homes. Lori has worked with hundreds of ELGA Credit Union members in many different situations over the last seven years. She has helped members look at finances with a new perspective, helping them reach new goals they couldn t have imagined at the time. Lori is dedicated to helping those who want to help themselves. When someone is willing to work toward a goal, Lori is a great coach to get them there.

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