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Payday loans; Buy-Here-Pay-Here; Rapid Tax Refund—what does it all mean? Northern Kentucky Community Action Commission knows how important it is for families and individuals to understand budgeting, banking, credit, and predatory lending.
Community Services staff can provide families and individuals with basic financial literacy counseling, including:
- Setting up a basic budget
- What is your money “personality”
- Developing a spending plan
- Tracking income and expenses
- Checking housing costs for affordability
- Understanding basic banking
- Understanding credit
- Developing financial goals
Services include both classroom and individual counseling.
Financial Literacy includes wise use of one's money, so NKCAC provides significant education on energy conservation, including a series of educational flyers to help families save money by reducing their energy consumption. Homebuyers education and One-on-One counseling help families prepare for successful home ownership. For those with a dream of owning their own business, NKCAC offers Rekindle Microenterprise business preparation classes. Participants learn the basics of business ownership, including help with writing that all-important business plan.
Contact the Neighborhood Center in your county to receive a schedule of upcoming classes or sign up for a counseling session.