Comprehensive Financial Management Training (CFMT) is a nine-week financial management-training program that educates program participants on various financial issues that impact their everyday lives. It empowers participants to make the best decisions to reach their financial and personal goals. Topics discussed include Wealth Building through Debt Elimination, Budgeting, Credit Resolution, Investment, Insurance, and much more.
Session 1: Beginning the Journey
- Explores the importance of planning and developing specific, measurable, and time-oriented goals based on family values.
- Helps participants begin to develop a personal short-term savings goal and set priorities.
Session 2: Cash Attitudes
- Identifies consumerism vs. wealth building attitudes and how our cash attitudes influence our financial habits.
- Explores finance and savings behaviors of American families.
- Introduces participants to basic money management tools
Session 3: Closing Financial Leaks
- Facilitates understanding between basic and discretionary expenses.
- Encourages participants to identify financial leaks in their household that would prevent them from living within their means.
- Creates awareness of current financial status.
Session 4: Budgeting Applications
- Participants are taught step-by-step how to prepare a spending plan that will work, analyze their total monthly expenses and determine the amount of money available to pay off debt.
- Offers participants various cost savings tips to reduce expenditures, live inexpensively and maintain their budgets.
Session 5: Credit I
- Explains the use and misuse of credit, how to check and clean participant credit reports.
- Helps participants understanding the benefits of repairing credit and improving credit scoring.
Session 6: Credit II
- Focuses on consumer rights, communication and negotiating
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with creditors and collection agencies and developing a plan to restore financial integrity.
Session 7: Debt Elimination
- Equips participants with techniques to get out of debt and stay out of debt.
- Identifies the effects of compound interest relating to debt and the benefits of compound interest in investment.
Session 8: Investment
- Explores different methods of investment, financial advisors, and fund managers.
- Helps participants understand the risk and rate of return on different types of investments.
Session 9: Insurance
- Provides and overview of life, disability, auto, and homeowners insurance.
- Emphasizes the importance of insuring your assets
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