Six ways to get smarter about money
Every program is built around a real problem — a confusing score, a budget that never holds, a mortgage application — and taught by a certified instructor. Pick one to start, or work through all six.
Pay what fits your budget
Every class uses a sliding scale: a suggested price range, and you choose the number that works for you, no documentation required. Prices below are shown in US dollars; UK participants pay the GBP equivalent at checkout. If even the lowest end of a range is out of reach, contact us before the class starts — we hold sponsored seats in every session for people who reach out.
Credit Fundamentals
What's actually in a credit report, how scores get calculated, and how to read both like a pro.
Who it's for: Anyone who has never pulled their own credit report, or wants to finally understand the number.
- The five factors that make up your score, and how much each one weighs
- How to read a credit report line by line: tradelines, inquiries, public records
- How to dispute an error and how long it takes to clear
- The difference between a soft and a hard inquiry
Budgeting & Cash Flow
Build a budget that survives contact with real life, and a savings habit that doesn't depend on willpower.
Who it's for: Anyone whose money disappears before the next paycheck, regardless of income.
- Building a budget around irregular income or multiple jobs
- Automating savings so it happens before you see the money
- Setting up a starter emergency fund, even on a tight budget
- Cutting fixed costs without cutting out your life
Debt Payoff Strategy
Compare payoff methods, learn how to negotiate with lenders, and build a plan based on your actual numbers.
Who it's for: Anyone carrying credit card, medical, or personal loan debt and unsure where to start.
- Snowball vs. avalanche payoff methods, and which fits your situation
- How to call a lender and actually negotiate a lower rate or settlement
- Red flags in debt settlement and consolidation offers
- Building a payoff calendar you can stick to
First-Time Homebuyer Prep
Mortgage readiness, down payment assistance programs, and how lenders actually evaluate your file.
Who it's for: Anyone planning to buy a home in the next one to three years.
- What underwriters look for beyond your credit score
- Local and federal down payment assistance programs you may qualify for
- How to shop multiple lenders without hurting your score
- Avoiding the most common first-time buyer mistakes
Rebuilding After Hardship
For anyone recovering from medical debt, divorce, job loss, or identity theft on their credit file.
Who it's for: Anyone whose credit took a hit from something outside their control.
- Getting resolved medical debt off your report under current reporting rules
- Untangling joint accounts after a divorce or separation
- Recovering from identity theft step by step, including freezes and disputes
- Rebuilding a thin or damaged file with secured tools
Small Business Credit
Separate your personal and business credit, and build a business file that can borrow on its own.
Who it's for: Sole proprietors and new LLC owners covering business costs with personal credit.
- Getting an EIN and business bank account set up correctly
- How business credit bureaus score differently than personal ones
- Vendor trade lines that build a file without taking out a loan
- When — and when not — to mix personal and business credit
Walk through how a class actually works
See what enrollment, a typical session, and the follow-up look like before you commit to anything.