Â

Â
Knowing about money, how to budget it, how to reduce debt, and how to save enough to buy a home or other assets is a huge accomplishment. In this 12-hour free, engaging, and interactive class, you will learn how to manage your money, improve your credit, and budget to buy a home. This class is open to everyone and required for people in the FAIM 3:1 Matched Savings program.Â
Â
In this class, you will learn:Â
Budgeting to create savingsÂ
Understanding credit cardsÂ
What's in a credit reportÂ
Improving your credit scoreÂ
Getting out of debtÂ
Dealing with collectorsÂ
Avoiding predatory lendingÂ
Getting a mortgageÂ
Preventing identity theftÂ
You'll also earn a Homebuyer Education CertificateÂ
Â
Nearly everyone who has taken this class has said they wish they had done it sooner. Â
There is no charge for the class. Sections of the course rotate between online by Zoom and in-person each month.Â
Â
EligibilityÂ
This class is open to anyone interested in improving their financial skills or curious about buying a home.Â
Â
How to ConnectÂ
If you would like more information about Common Cents or to schedule a housing counseling appointment, please call our office at 218-726-1665 or email us at bhansen@communityactionduluth.org. Â
Â
Framework Homebuyer CourseÂ
Are you looking for a class that is less of a time commitment or only interested in a homebuyer education certificate? As an alternative option to Common Cents, we are happy to be partnering with Framework to provide an alternative homebuyer course. This course requires only 8 hours of your time and can be completed online at your own pace. After completing the course, you will need to have an advising session with your assigned HUD-Certified Homebuying Counselor to receive your certificate. Prior to completing the course, we recommend checking with your lender to verify that a Framework certificate qualifies you for your mortgage.Â
Â
Â
Buying a home is a big deal, whether you're doing if for the first time or getting back into the ever-changing market. When you educate yourself for smart homeownership with Â
Framework, you'll navigate every step of the process with confidence. The Framework course is affordable too: just $75.Â
Â
Â
To get started, visit caduluth.frameworkhomeownership.org. Click here for a video preview!Â
Â
Â
In California, employers must follow strict laws regarding timely payment of wages. If you’re a current employee, you should be paid according to the regular payroll schedule. Upon termination, final wages must be paid immediately, or within 72 hours if you resigned without notice. Any delay can violate labor laws and entitle you to penalties for every day your payment is overdue. If you’re experiencing a delay in receiving your wages, it’s crucial to act quickly to protect your rights. Discover what steps you can take https://consumerattorneys.com/article/how-long-can-an-employer-not-pay-you.
This blog is such a valuable resource for anyone looking to improve their financial literacy! It's encouraging to see courses like these helping people manage their money, build credit, and achieve goals like homeownership. For those needing immediate financial relief while working on long-term plans, no credit check payday loans can be an option to explore. They offer quick access to funds without requiring a traditional credit check. Thank you for sharing such practical and empowering information—it's a step forward for many!