Free Credit & Money Classes

It's back to school time and there
has never been a better time to understand how to handle money and
credit.  Are you thinking of buying a new home, renting an apartment,
buying a car or applying for a new job? Did you know that lenders, apartment
managers, salespeople and even employers look at your credit? Don’t let poor
credit hold you back. Learn the best ways to reduce your debts. Learn how to improve your
credit scores. Make good decisions with your money and learn what they never covered when you were
in high school.

 Genesis Housing Corporation, a 501(c)(3) non-profit community development
corporation, is bringing our FREE “Making the Most of Your Money” classes to Lansdale in September. The
classes will be held on Wednesday
evenings, September 11th, September 18th, September 25th

and October 2rd  from 7:00 to 9:00 PM, at the North Penn YMCA, 608 E. Main Street, Lansdale, PA 19446.   Door
prizes, including Wawa and Target gift cards, will be drawn at the end of each
class. 

The classes include:

~ Understanding
Credit -- Information on how credit scores work, how to improve your scores, re-establish credit and deal with debt.  Class participants can obtain a free credit report with scores from the three major credit reporting services (Wednesday, September 11, 2013).

~ Money
Management (Part 1 & Part 2)

– Information on preparing realistic budgets that are more than just

monthly bills, prioritizing spending in tough times and understanding how

current spending impacts your future financial options. Learn about smart

spending for routine things like groceries and for large expenses like cars.  Learn how to make your own cash flow plan for
each pay day and how to prepare for large expenses like car repairs, holiday spending and buying a home. (Wednesdays, September 18 & 25, 2013 )

~Home Buying
Basics -- Information the home buying process including finding
a realtor, home inspections, Agreements of Sale, mortgages and first-time
homebuyer grant programs (Wednesday, October 2, 2013).

Nikki Holcroft, an award winning
and certified housing counselor, will teach the classes. Ms. Holcroft has more
than twenty-five years experience working as a housing counselor, mortgage
banker and community lender. Ms. Holcroft has worked with Genesis Housing
Corporation since 2001 and teaches monthly classes on credit, money management
and the home buying process. Ms. Holcroft also provides individual housing
counseling sessions to help clients achieve their financial goals.  Ms. Holcroft has worked with families to
restructure their mortgages, avoid foreclosures and reduce their debts.

Reservations are required and can be made by calling Genesis
Housing Corporation at 610-275-4357 or online at www.genesishousing.org.  Childcare is not provided. The Lansdale classes are funded, in part, by a grant from PNC Bank.