Whatever your goal is--undrestanding the sources of financial difficulty, building a nest-egg for the future, or protecting your current assets--NFDM programs can provide you with a plan of action that sets you on the path to success.
- Financial Literacy Education
- Homeownership Counseling
- Credit Counseling
Financial Literacy Education
Through both adult and student programs, NFDM supports lifetime financial wellness for your entire family.
Adult
- Bank On It
Recognize the major types of insured financial institutions
Recognize banking terms
Recognize the difference between banks and check-cashing services
Identify bank employees and their jobs
Identify types of accounts
Describe banking services
- Borrowing Basics
Explain the value of credit
Describe different types of loans
- Check It Out
Identify the benefits of using a bank versus using a check-cashing service
Identify types of checking account fees
Compare types of checking accounts
Open a checking account
Write checks
Use ATM and debit cards
Keep records for a checking account
Reconcile a checking account
- Money Matters
Describe the concept of budgeting
Recognize the benefits of budgeting
Use a budgeting tool
- Pay Yourself First
Identify ways to save money
Describe how money can grow when you save
Tell the difference between different types of savings and investment accounts
- Keep It Safe
Identify laws that protect their rights as banking consumers
Identify ways to avoid scams
Identify ways to protect their identity
Resolve complaints regarding their bank accounts
- To Your Credit
Identify a credit report and how it is used
Order a credit report
Read a credit report
Identify ways to start repairing credit
Recognize credit repair scams
Identify available resources
- Charge It Right
Identify characteristics of credit cards
Describe the costs of using a credit cards
Recognize potential problems with credit card use
- Loan To Own
Describe different types of consumer installment loans
Determine the right installment loans for their needs
- Your Own Home
Describe the benefits and pitfalls of renting versus owning a home
Ask questions to determine readiness to buy a home
Identify different mortgage programs
Recognize basic terms used in a mortgage transaction
top
Student
- Ages 5-7
Learn about income, saving and goal setting
- Ages 8-11
Concepts of credit and debt, work ethic, and how saving and investing relate to wealth
- Ages 12-13
Planning for the future, education and career goals, compounding
top
Homeownership Counseling
NFDM housing counseling programs provide a firm foundation on which to build your dreams of homeownership.
- Pre-purchase counseling
Assessing whether an individual is ready to become a homeowner
- First Time Homebuyer certification workshops
A six (6) hour course to prepare participants in buying their first home
- Individualized counseling
Assisting individuals with housing counseling that apply to their specific circumstances
- Down payment assistance
Provide individuals with resources to obtain down payment assistance
- Post counseling
Covers topics that help new and existing homeowners protect their most important asset
- Home Maintenance Education
Educates homeowners on cost-effective ways to keep their home in good repair
- Foreclosure Prevention/Default prevention counseling
Offers one on one counseling to homeowners who are delinquent on their mortgage payments
top
Credit Counseling
Work with our certified counselors and obtain the necessary understanding of money management and personal finance to avoid the need for assistance in the future.