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Check out the new MyMoneyNashville Theme song! "Earn It. Keep It. Save It." by Quiet Entertainer featuring James Fate, J. Prodigal, & Spoken Nerd
http://music.quietentertainer.com/track/earn-it-keep-it-save-it
EARN IT. KEEP IT. SAVE IT.
1. Use a small notebook to write down every penny that you spend each day. At the end of the week – look at where your money goes and think of ways you can reduce those expenditures. Check out www.mint.com for an online expense tracker.
2. Update your skills, take on more leadership opportunities at work and use that in negotiating a better raise or higher paying position.
3. If you have had a reduction in income, you might qualify for other government services. Check out findhelptn for online benefit screening – You can access it from the home page of this website.
4. Did you qualify for the Earned Income Tax Credit; did you get your taxes prepared for free at a Volunteer Income Tax Assistance site? Call 2-1-1 for a VITA site nearest you.
5. Save part of your refund for emergencies and pay off high interest credit card debt with the rest.
6. Take advantage of employer 401-K matching retirement programs – Retirement may look far down the road but it gets here quick and most of us are ill prepared.
7. Turn a hobby into cash and/ or trade services when possible.
8. Plan now for future expenses – car insurance due every 6 months – put money aside for it each month and it won’t be so hard on the wallet when it’s due.
9. Use coupons wisely, buy on sale, avoid making purchases through rent to own centers
10. Know your credit score and work to improve it. |
 Financial Education
You can learn to manage your money and lead your family towards financial independence.
Build a Brighter Future for you and Your Family with My Money Plan.
Find out how a few small life changes can have big impact on your family’s financial future. With your free one-hour My Money Plan session, you’ll be connected with a professional who will provide one-on-one guidance about topics such as:
- Resolving credit issues
- Spending plans
- Establishing and/or managing a checking or savings account
- Developing a savings plan
- Determining and planning for your financial goals
- Referrals to free or low-cost financial services
To sign up for your FREE, no-cost, no-obligation My Money Plan consultation, call 2-1-1.
Financial Education Resources
Catholic Charities of Tennessee, Inc.
Services: Financial Education 101 for Refugees
Description: Financial literacy training, including: budgeting, cash management, savings, investing, and credit and debt management.
Clients Served: Newly arrived refugees
Fees: Free
Format: Class setting
Hours: Office hours M-F 8-4:30. Class times vary.
Service Area: Davidson County
Phone: 615-259-3567
Web: www.cctenn.org
Level of Information: Beginner, Intermediate
Christian Women’s Job Corps (CWJC) of Middle Tennessee
Services: Classes and individual instruction in the areas of financial counseling and budget planning to meet monthly expenses, computer classes, GED preparation and examination, employment search, employment opportunities and one on one mentoring.
CWJC of Middle TN has two locations in Davidson County downtown Nashville and Madison.
Clients Served: Women and their children with low to moderate income of all faiths
Fees: Free
Format: Classroom and one-on-one setting
Hours: M-F. Class times vary.
Service Area: Middle Tennessee
Phone: 615-244-3669
Web: www.cwjcmiddletn.org
Community Career Center
Services: Work Your Money Program
Description: Provides financial education to low income individuals and assists with setting a budget, establishing priorities, avoiding predatory lenders and making sound financial decisions for the future.
Clients Served: General public (who fall in the low-middle income range)
Fees: Free
Format: Group setting
Hours: Call to schedule at one of our sites (M-Th 8-5)
Service Area: Davidson County
Phone: 615-298-6752
Web: www.mnps.org or www.communitycareercenter.net
Level of Information: Beginner, Intermediate
Conexión Américas
Services: Sembrando Semillas Financial Education Workshops
Description: Three-week session of workshops which provide education on money management skills, credit and budgeting.
Clients served: General public, all services offered in Spanish
Fees: Free
Format: Classroom setting and one-on-one counseling; call for appointment
Hours: M & W 9-7; T & Th 9-5:30; and F 9-2
Service Area: Middle Tennessee
Phone: 615-320-5152
Website: www.conexionamericas.org
Level of Information: Beginner, Intermediate
League for the Deaf & Hard of Hearing
Services: Financial Stability Instruction
Description: Provide a 13-week class on debt elimination, saving, and investment
Clients served: Adults ages 18+ who are deaf or hard of hearing.
Fees: Free
Format: Class format
Hours: M-F 8-5
Service Area: Middle Tennessee
Phone: (V/TTY) 615-248-8828
Video Phone: 615-248-4110
Web: www.leageforthedeaf.org
New Level Community Development Corporation
Services: Money Management Education
Description: Provides classes, workshops and one on one consultation in money management techniques, debt management planning, credit building strategies and financial planning.
Clients served: General public
Fees: Free basic money management consultations, small fee for workshops and
financial planning course.
Format: Class, workshop and one on one consultation. Call for appt.
Hours: M-F 8:30-5 Classes, workshops and consultations offered in evenings
Service Area: Greater Nashville Area
Phone: (615) 627-0347
Web: www.newlevelcdc.org
Oasis Community Impact!
Services: Predatory Lending Workshops (Youth-Led)
Description: Provides a short presentation about the different types of predatory lending services and the dangers of using these services
Clients Served: Low-income families, youth, and anyone who may be at risk of using
predatory lending services because of a lack of credit or other lending options
Fees: Free
Format: Presentation delivered at your location
Hours: M-Th 3-5 evening hours based on availability
Service Area: East Nashville and other parts of Davidson County
Phone: 615-242-6730 ext. 4051
Web: www.econoci.web.officelive.com
Level of Information: Beginner
PENCIL Foundation
Services: Financial Literacy
Description: Comprehensive Financial Fitness Education - Provides participants with valuable basic financial knowledge to help them develop smart money management skills that will empower them to achieve financial independence.
Client Description: Low-to moderate-income youth and adults
Fees: Free
Format: Classroom and computer-based instruction, individual and group
counseling. Call to schedule appointment.
Hours: M-F 8-4:30
Phone: 615-242-3167 ext. 259
Service Area: Davidson County
Web: www.pencilfoundation.org
Regions Bank
Services: Educational Workshop
Description: Regions partners with local nonprofit agencies to provide various
financial workshops.
Clients Served: General Public
Fees: Varies
Format of Services: Classroom
Hours: M-F 8-5
Phone: 615-748-2185
Service Area: Middle TN
Web: www.regions.com
Residential Resources Inc.
Services Offered: Economic Empowerment
Description: Encompasses basic financial literacy to various investment products
Clients Served: All — especially very low to medium income levels
Fees: Free
Format: Educational workshops, individualized and extended counseling
Hours: W 5-7; Th 4-6; Appointments Only
Service Area: Nashville (Davidson – Rutherford) Murfreesboro MSA
Phone: 615-650-9779
Web: www.residentialresourcesinc.com
Level of Information: Beginner, Intermediate and Advanced
St. Luke’s Community House
Services: Personal Finance Classes
Description: Classes are offered free of charge to anyone interested in learning how to make a family budget. Classes are held on the 1st & 3rd Tuesday of each month from
5-7:30 pm and on the 2nd and 4th Thursday of each month from 10-11:30 am.
Clients Served: Older teens through Adult
Fees: Free
Format: Please call to reserve your space.
Hours: Office hours are M-F 8:30-5:30; Class times vary.
Phone: 615-350-7893
Service Area: Davidson County
Web: www.stlukescommunityhouse.org
Level of Information: Beginner
St. Luke’s Community House
Services: Financial Literacy Seminars
Description: St. Luke’s offers free financial seminars for anyone interested. These are held once every 3 months and covers information regarding: first time homebuying, preparing for retirement, starting your own small business, predatory lending information, etc.
Clients Served: Older teens through Adult
Fees: Free
Format: Class Setting. Please call to reserve your space. Information about these
Seminars will be available in the West Nashville Newsletter, designed by St. Luke’s.
Also, look for information regarding these on the United Way Intranet.
Hours: Office hours are M-F 8:30-5:30; Class times vary.
Phone: 615-350-7893
Service Area: This program serves anyone in Davidson County
Web: www.stlukescommunityhouse.org
Level of Information: Beginner
Tennessee Department of Financial Institutions
Services: Financial Literacy
Description: Provides financial literacy training to groups ranging from elementary schools to adults. Topics include budgeting and credit, with a focus on how to build, maintain and understand credit. We also offer a mortgage loan basics course in our Mortgage 101 sessions. This topic discusses some of the mortgage loan products, how to find a lender and reviews the required documentation that should be received in the course of obtaining a mortgage loan. Additionally, as the regulator for a majority of the financial institutions
that operate in the state, we assist consumers that may be experiencing problems with an institution through our consumer complaint process.
Clients served: Residents of the state of Tennessee
Fees: Free
Hours: M-F 8-4:30 and by appointment when needed
Service Area: Tennessee
Phone: 1-800-778-4215 or 615-253-2023
Web: www.tn.gov/tdfi
University of Tennessee Extension
Services: Financial Education
Description: Financial education conducted for general public, schools, churches, nonprofits, community groups/organizations and worksite. The main areas of focus are: basic money management, homebuyer education, and retirement.
Clients Served: General public
Fees: Dependent on classes requested
Format: Classroom
Hours: M-F 8-4:30
Service Area: Nashville and surrounding areas
Phone: 615-862-5995
Level of information: Beginner and Intermediate
US Community Credit Union
Services: Financial Counseling
Description: Provides education for those dealing with issues ranging from credit problems to learning how to budget. Experts and Certified Financial Planners are provided as a resource to the member.
Clients Served: Membership open to anyone who lives, works, worships, or attends
school in Davidson, Rutherford, or Wilson Counties
Fees: Free
Format: Class, one-on-one, and telephone support. Call for appointment.
Hours: M-F 8:30-4:30
Service Area: Davidson/Rutherford/Wilson Counties
Phone: 615-256-8712
Web: www.usccu.org
Woodbine Community Organization
Services: Financial Counseling
Description: Wide range of financial counseling services.
Clients Served: General public
Fees: Free
Format: Classroom and one-on-one
Hours: M-F 9-5
Area Served: Middle Tennessee
Phone: 615-833-9580
Web: www.woodbinecommunity.org
You Can Make It Home Ownership Center, Inc.
Services: First time homebuyer education, credit counseling, budgeting, MoneySmart and financial fitness education, and post purchase counseling.
Client Served: General public
Fees: Donation
Format: Group or individual classes
Hours: Call for appointment
Area Served: Middle Tennessee
Phone: 615-355-0005
Financial Education
Hours: M-F 8-5
Phone: 615-748-2185
Service Area: Middle TN
Web: www.regions.com
Residential Resources Inc.
Services Offered: Economic Empowerment
Description: Encompasses basic financial literacy to various investment products
Clients Served: All — especially very low to medium income levels
Fees: Free
Format: Educational workshops, individualized and extended counseling
Hours: W 5-7; Th 4-6; Appointments Only
Service Area: Nashville (Davidson – Rutherford) Murfreesboro MSA
Phone: 615-650-9779
Web: www.residentialresourcesinc.com
Level of Information: Beginner, Intermediate and Advanced
St. Luke’s Community House
Services: Personal Finance Classes
Description: Classes are offered free of charge to anyone interested in learning how to make a family budget. Classes are held on the 1st & 3rd Tuesday of each month from
5-7:30 pm and on the 2nd and 4th Thursday of each month from 10-11:30 am.
Clients Served: Older teens through Adult
Fees: Free
Format: Please call to reserve your space.
Hours: Office hours are M-F 8:30-5:30; Class times vary.
Phone: 615-350-7893
Service Area: Davidson County
Web: www.stlukescommunityhouse.org
Level of Information: Beginner
St. Luke’s Community House
Services: Financial Literacy Seminars
Description: St. Luke’s offers free financial seminars for anyone interested. These are held once every 3 months and covers information regarding: first time homebuying, preparing for retirement, starting your own small business, predatory lending information, etc.
Clients Served: Older teens through Adult
Fees: Free
Format: Class Setting. Please call to reserve your space. Information about these
Seminars will be available in the West Nashville Newsletter, designed by St. Luke’s.
Also, look for information regarding these on the United Way Intranet.
Hours: Office hours are M-F 8:30-5:30; Class times vary.
Phone: 615-350-7893
Service Area: This program serves anyone in Davidson County
Web: www.stlukescommunityhouse.org
Level of Information: Beginner
Tennessee Department of Financial Institutions
Services: Financial Literacy
Description: Provides financial literacy training to groups ranging from elementary schools to adults. Topics include budgeting and credit, with a focus on how to build, maintain and understand credit. We also offer a mortgage loan basics course in our Mortgage 101 sessions. This topic discusses some of the mortgage loan products, how to find a lender and reviews the required documentation that should be received in the course of obtaining a mortgage loan. Additionally, as the regulator for a majority of the financial institutions
that operate in the state, we assist consumers that may be experiencing problems with an institution through our consumer complaint process.
Clients served: Residents of the state of Tennessee
Fees: Free
Hours: M-F 8-4:30 and by appointment when needed
Service Area: Tennessee
Phone: 1-800-778-4215 or 615-253-2023
Web: www.tn.gov/tdfi
University of Tennessee Extension
Services: Financial Education
Description: Financial education conducted for general public, schools, churches, nonprofits, community groups/organizations and worksite. The main areas of focus are: basic money management, homebuyer education, and retirement.
Clients Served: General public
Fees: Dependent on classes requested
Format: Classroom
Hours: M-F 8-4:30
Service Area: Nashville and surrounding areas
Phone: 615-862-5995
Level of information: Beginner and Intermediate
US Community Credit Union
Services: Financial Counseling
Description: Provides education for those dealing with issues ranging from credit problems to learning how to budget. Experts and Certified Financial Planners are provided as a resource to the member.
Clients Served: Membership open to anyone who lives, works, worships, or attends
school in Davidson, Rutherford, or Wilson Counties
Fees: Free
Format: Class, one-on-one, and telephone support. Call for appointment.
Hours: M-F 8:30-4:30
Service Area: Davidson/Rutherford/Wilson Counties
Phone: 615-256-8712
Web: www.usccu.org
Woodbine Community Organization
Services: Financial Counseling
Description: Wide range of financial counseling services.
Clients Served: General public
Fees: Free
Format: Classroom and one-on-one
Hours: M-F 9-5
Area Served: Middle Tennessee
Phone: 615-833-9580
Web: www.woodbinecommunity.org
You Can Make It Home Ownership Center, Inc.
Services: First time homebuyer education, credit counseling, budgeting, MoneySmart and financial fitness education, and post purchase counseling.
Client Served: General public
Fees: Donation
Format: Group or individual classes
Hours: Call for appointment
Area Served: Middle Tennessee
Phone: 615-355-0005
Financial Education
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