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Financial Education Resources

Dollars and Sense Classes: Invest in YOUR Future

Dollars and Sense classes are the next step in financial freedom. These classes offer a toolkit for financial success. The four part series includes:

Understanding Credit and Credit Reports1
Making Budgeting Work with Your Schedule2
Predatory Lending and Identity Theft Insurance,
Financial Institutions, and Taxes4.

Classes are sponsored by the Montana Housing Network and are free to participants. The class schedule is:

Tuesdays at CCCS from 6:30 - 8 p.m.
Second and Third Saturday of each month from 9 a.m. - 1 p.m.

Participants must complete all four parts to graduate the series. Some local partners are offering incentives for participants to graduate, that include partcipation in
Individual Development Account (IDA) programs for education/training or
homeownership. To register or for more information, please call Lauri at 454.5727.

First Time Home Buyers Education

CCCS counselors have helped clients prepare for buying their first home as well as finding strategies to save a home from foreclosure. A stable housing situation is critical
to helping people achieve economic independence and we are proud of the fact that we have helped dozens of people overcome the threat of foreclosure. We also serve
as one of the larger reverse mortgage counseling agencies in the country and have educated thousands of seniors about the potential benefits and downfalls of a reverse
mortgage.For more information contact us at (877) ASK-CCCS or 761-8721.

Family Economic Security Program

The purpose of the program is to move Montana families toward economic security. It works by increasing families’ knowledge and skills in financial management and
using specific financial asset development strategies to acquire major assets such as a home or education. One strategy is to start an Individual Development Account
(IDA). IDAs help guide individuals into home ownership or education/training in a high demand field that eventually leads to employment and a stable career track.
For more information contact us at (877) ASK-CCCS or 761-8721.

Tax Help Montana

Each of our 12 Tax Help Montana sites across the state gives numerous stories of hope and of changing lives. We met a young couple with two children who prior to coming
to the free tax prep sites paid two hundred of their hard earned dollars to have their taxes prepared. This couple received the Earned Income Tax Credit and could not
afford to lose two hundred dollars to prepare their taxes. We spoke with an elderly man who could not afford tax preparation fees but desperately needed the refund.
All walks of life are positively affected by Tax Help Montana. By collaborating with statewide community partners we were able to more than double the available sites
across Montana in 2007 & 2008 and look towards increasing again in 2009.

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