Your Credit Counts Challenge Participant's Guide Spanish - Spanish Edition Author:Mark C. Schug, William Wood What strategies can adults use to develop a secure financial future? This program for low-to-moderate income adults is the ideal workbook to help you get your credit into tip-top shape. This thorough 6-unit workshop shows adults how to make better financial choices. You'll explore 6 fundamental credit finance topics: 1. How to Earn an Income and... more » Create a Budget You'll uncover simple ways to spend less than you receive, discover how to earn more money and how to create a practical budget. 2. The Inner Workings of Financial Institutions Banks - credit unions - brokerage firms... where should you stash your cash? Financial institutions offer a dizzying array money management choices. You'll cut through the complexity by comparing and contrasting the services of mainstream financial institutions. You'll detail the advantages (and disadvantages) of using alternative banks. Plus you'll discover how to use insurance to reduce financial risks. Finally, you'll identify common scams. 3. Getting Your Credit into Shape You'll identify the advantages and disadvantages of using credit, what it costs, and basics steps you can take to obtain credit. Next, you'll detail the key features of a credit report and ways to improve a credit score (commonly called FICO). Plus you'll analyze realistic credit cases, and determine the best circumstances to obtain credit. 4. The Basics of Homeownership You'll uncover the benefits and drawbacks of owning a home. You'll detail the process of buying a home, from house hunting to closing to occupancy. 5. How to Build Wealth You'll uncover the concept of “net wealth and discover how and why net wealth increases and decreases. You'll develop strategies to save early, buy and hold, and diversify so you can build long-term financial security. 6. The Fundamentals of the Market Economy You'll explore the characteristics of wealthy individuals, as well as the key features of a market economy. A Real-World Adult Education You'll discover a new-found confidence to make wise decisions on buying a house, earning more money, and taking control of your credit!Also Available:Your Credit Counts Challenge: Participant's Guide - English - ISBN 1561830690
Your Credit Counts Challenge: Trainer's Guide - English - ISBN 1561830682The Council for Economic Education envisions a world in which people are empowered through economic and financial literacy to make informed and responsible choices throughout their lives as consumers, savers, investors, workers, citizens, and participants in our global economy. Some of the areas in K-12 education we publish in include: - Establishing and building credit - Managing personal finances - Understanding economics on a local, national, and global level - Using economics in other subject areas: Social Studies, Geography, History, etc.« less