"The stores have a plan,so you should too." --Nammoni Mammino, Bankrate.com
This article has a treasure trove of advice that is especially important this time of year. "You're not saving if you are actually spending more than your planned." I say this all of the time in workshops, "You didn't save money, you spent money!" It's really about re-framing things in your head. We all have to practice thinking clearly when it comes to money because stores and advertisers are very skilled at distracting us. You can do it!
--Joy McManus
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Save the Date, Debt Boot Camp!
Jocelyn Wright, Financial Planner and Radio Talk Show Host | | We are bringing Financial Planner Jocelyn Wright's Debt Boot Camp to Montgomery County! February 7th, 14th and 21st at the Women's Center of Montgomery County in Elkins Park. Don't miss this opportunity to get into financial shape! |
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In Policing Fashion, Moms Find A New Power Online
"Companies are certainly more concerned when the people involved are moms, specifically. I mean, women in general, and moms in particular, control the vast majority of spending in households."--Ben Rattray, NPR.org
Ladies, we do have power and companies know it. We need to remember this. We may not always be on the crusade like the women in this article but remember that you do have power, even when making small purchases for your home or family.
--Joy McManus |
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Free Tax Preparation
Don't pay to have your taxes prepared this Spring. Click this link to find a tax site near you or call 1-800-906-9887 .
Save Your Refund
Learn how to put some of your refund into a savings bond. Click here.
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Women's Business Development Center Offers Entrepreneurship
Workshops
Thursday, January, 12th 2012
Thursday, February, 12 2012
Monday, March 5 2012
Pre-registration is required! For more information to pre-register call:
215-790-WBDC
| Hello Ladies, Welcome to a New Year and new newsletter format!
I hope that many of you will view the start of the new year as a time to set new financial goals. Take an afternoon this month to consider your monthly budget, spending habits, debts and re-evaluate. Ask yourself questions such as: How does my budget reflect my values? What debts do I want to see disappear in 2012? What financial goals do I want to start or complete in 2012?
This winter, we want to support you in a variety of ways through our Debt Boot Camp education workshop series in Elkins Park and our Annual Celebration and Awards Breakfast. And we are happy to announce the introduction of "Financial Fitness Clubs", designed to support you in a more personal way in your journey to financial stability. Read more about this new program expansion below!
Happy New Year!
Joy McManus
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Brand New! The Financial Fitness Club
We are excited to bring you Financial Fitness Clubs! Take the next step towards meeting your financial goals. Designed to go beyond the financial seminar, financial fitness clubs will help you move from knowledge gain to behavior change. Whether you want to create or stick to a budget, reduce debt, or save towards a specific goal, joining a financial fitness club will be a fun and rewarding way to help you meet that goal in 2012! Clubs will meet once a month during the course of this year with the purpose of motivating you throughout the entire year. Best of all, the Financial Fitness Club is offered at no cost to you.
Benefits include: • Convenient Locations • Refreshments • Raffles and Prizes • Supportive environment
As this is a pilot program, we will be offering one club at each of the following locations: • CLARIFI-the organization formerly known as Consumer Credit Counseling Services,
Center City Philadelphia • North Philadelphia--Seventh Day Adventist Church,
North Philadelphia
• Crozer Library,
Chester, PA • Upper Darby Municipal Library,
Upper Darby, PA
If you’re interested, sign up today. Unlike our regular workshops, each club will have a limited number of participants. Sign up here. More details will be coming!
____________________________________________________ Partnership with Wal-Mart: Lunchtime Learning at the People's Emergency Center This past fall, we partnered with an enthusiastic group in the Employment and Training Program at the People's Emergency Center (PEC) for a two-week lunch time education series. Wal-Mart generously donated refreshments including a selection of delicious muffins, cookies and drinks! One of the PEC Employment and Training program students, Odyssey shared with the group her financial tip for success, "Always create a shopping list so you won't spend impulsively!" A simple tip but one we should all remember; sticking to a list will truly help you not to over-spend.
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Are YOU in position?
NEW Workshop Series at Upper Darby Library
 FinanciallyHers Volunteer Kim S. Cooper
1. Handling Life Challenges 2. Taking Advantage of Opportunities 3. Preparing for Your Future 4. Being a Blessing to Others
Join us and take the first step to getting your finances in order in 2012! To register, click here.
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Volunteers Bring their Expertise to Lunch 'N' Learn
Led by FinanciallyHers Program Manager as well as 3 talented volunteers, over 80 attendees participated during our summer and fall sessions. Our fall series was led by three volunteer educators, Sharon Bonnem, Shauna Hopkins and Caity Kennedy. Ms. Bonnem and Ms. Kennedy are members of the Philadelphia chapter of the Financial Planning Association and Ms. Hopkins is a State Farm Insurance Agent/Owner. We are very thankful to all of our volunteers for helping us empower and educate women.
If you're interested in volunteering or know someone who has knowledge to share, please contact Adrienne Webb at awebb@clarifi.org.
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