Financially knowledgeable women make better decisions for themselves and their families, increasing their economic security and well being.
The Women's Financial Empowerment Center provides OnTrack WNC's full range of financial counseling and education services with a women-centered approach, responding to women's unique needs and perspectives, to help them reach their financial goals.
All programming is FREE thanks to generous support from Sisters of Mercy and State Farm.
Current Education Offerings
We know that most women really love connections and relationships, so the Money Buddy Series encourages women to capitalize on personal connections to strengthen money management skills! The Money Buddy series invites women to “bring a friend” for support and encouragement as they embark on their money mission. In the 6-session series, participants set personal goals and the classes provide the information, tools, and support to reach them! Money Buddies support one another with mutual motivation and accountability.
10 Hidden Rules of Successful Money Management -Learn 10 rules that govern smart money management to help change your understanding of your personal financial life.
Banks, Credit Unions, and Checking Account Basics - Whether you write checks, use a debit card, pay bills electronically, or pay by mail, you need to keep track of the money in your account. We’ll teach you how to balance your checkbook regularly and save money by avoiding overdraft charges. Also, to help you determine where best to keep your money, we’ll discuss the similarities and differences between credit unions and banks.
Budgeting 101 - A budget plan is one of the best tools for financial empowerment. Learn how income, expenses, and debt all affect a successful budget and gain tools to help you create a realistic budget.
Savings and Goal Setting - Ready, set, SAVE! Learn how to create realistic savings goals and plan the steps needed to reach them!
Credit? Get it. Keep it. Improve it- Find out what you know about credit! Learn about what credit is, how to fix your past credit mistakes, read your credit reports, understand credit repair, and more.
Emotions & Spending - This class explores the powerful role of emotion in our use of money and provides tools for understanding those connections and working with the influential pull our emotions have on our spending patterns.
Introduction to Homebuying- Thinking about purchasing a home, but don’t know where to start? Between realtors, banks, closing costs, and inspections, the task can seem overwhelming. But don’t worry – this introduction to first time homebuying will provide the answers you’ve been looking for and resources to help!
Dreaming of Debt Free Living - Everyone has a different solution for managing debt. This class will address the financial and emotional impact of being in debt and discuss the array of options for managing your debt.
Take Control of Holiday Spending! - How can we make memorable holiday seasons without ruining our finances? Learn how to enrich the holidays without breaking the bank!
Preventing Identity Theft -Identity theft happens when someone steals your personal information and uses it without your permission. In this class, we’ll discuss how it happens, identify popular fraud and scam techniques, learn how to prevent identity theft, and explain what to do if you’re a victim of identity theft.
Planning for Your Financial Future - Are you ready to invest your money in the stock market but not sure how to begin? Learn the basic vocabulary and concepts that will help you in taking the plunge into smart financial investing.
What Every Woman Needs to Know About Money: How to Start Empowering Your Financial Life- Everyone uses money, but not everyone approaches it the same way. This group education class will explore the differences in how women approach money; how our thoughts and feelings, and even our fears, both help and hinder us. We can learn to take advantage of our unique ways of decision making, and also our approaches to the risks and rewards of personal finance. Consider this issue that affects women the most: since we live longer than men, but still tend to earn less over a life-time, what’s a woman to do? This workshop will help you figure it out!
Are you ready to get your financial life in order, but can't seem to get traction? If you want help improving your credit, getting out of debt, learning to budget, saving for homeownership, or achieving another financial goal our specialized financial counselor can help! We offer multi-session financial counseling for women who are committed to making a change in their financial lives.