Courses Information

The Zero Balance Seminar curriculum consists of 6 modules that will be taught in one 3-hour session. Sessions may be tailored to specific needs and the materials for each module will provide a basic introduction to personal financial planning.

Topics range from debt elimination, understanding credit, balancing checking, budgeting/spending to savvy savings and biblical stewardship.

GAIN PRACTICAL FINANCIAL KNOWLEDGE

Know How Money Works
What is Opportunity Cost
Compound Interest

BUDGETING - 102 | Teaches how to create a spending plan for your income and expenses. Having a monthly spending plan is very empowering and will help you achieve your long-term financial goals.

Construct a personal budget
Know where your money goes
Monitor spending behavior
Plan your spending
Define your needs vs. wants
Gain the ability to do more with what you have

Financial Bondage Symptoms
Freedom from guilt
Steps to Being Free Financially
Financial Decision Making

This module is recommended for any individual with an income who is struggling to make ends meet and desire to do more with what they have.

SAVING & INVESTING – 103 | The best way to achieve financial security is to ensure that you have proper savings established. Having sufficient savings is one of the single most fulfilling tasks that you will accomplish towards obtaining financial freedom.

Steps to take to start saving
How to get the most from your savings accounts
How to save on autopilot

Savings and Investments
Establishing an emergency fund savings
Why you need to save
How do you save
How much do you save
How compound interest works
Finding extra cash

Anyone who is desirous of securing a sound financial future.

DEBT ELIMINATION – 104 | Debt is a four letter word that often times controls our lifestyles. Debt is considered slavery and the deeper we are in debt the more like slaves we become. We in essence deprive ourselves of the full freedom to decide where to spend our income because we have legally obligated ourselves to meet these debts. The ultimate debt is credit card debt and we should seek to eliminate these once and for all.

Different types of debt
How to get out of debt
How to break free from financial bondage

How to eliminate all debt (including your mortgage)
What credit card companies don’t want you to know
Do it for yourself tips for getting out of debt

Individuals who desire to come out of debt

CREDIT – 105 | Credit is borrowed money that you can use to purchase things you need when you need them. Understand that commitment and self discipline is the key to improving your credit.

Key factors that affect your credit
Understanding your credit score
Do it yourself tips for disputing serious credit problems

Know what your credit score determines
Ways to improve your FICO credit score
Reestablishing Credit

Individuals who want to improve their credit standing and deal with the issue of their credit.

CHECKING ACCOUNTS – 106 | Checking accounts are maintained by financial institutions and allow individuals and business to deposit money and make withdrawals. Money should be kept in checking account to pay bills ONLY.

How to balance your checkbook
Features of a good checking account

Different types of checking accounts
ATM Debit cards

Individuals who are ready to face their fear of balancing a checkbook.

Questions? Contact us for more information