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Financial Flash Newsletter

August 2017 Edition

Plan and Save ~ Back to School Money Saving Tips

Money TipsAccording the National Retail Federation's annual survey, parents will spend almost $670 to get one child ready for school this year. Wow, that's a lot of hard earned money, right? Check out these tips, create your plan, and make the most of the money you spend!

 

 

SECURE: Matched Savings Pilot HUGE Success! 

Client ledgerThe Community Foundation of WNC was interested in piloting an innovative way to use match savings for families in poverty and provided OnTrack WNC with a grant for "SECURE", a matched-savings program to build emergency savings and improve participants' financial capability through financial education, counseling, and support.

The results were spectacular! Participants' average household income was only $23,515, yet 78% were able to save for six consecutive months, complete the education/counseling requirements and qualify for a $3 to $1 match. By the end of the program participants had saved a total of $18,623.89.

The participants delighted in watching their money grow. One person celebrated reaching her $1,000 emergency savings goal by bringing her counselor a copy of her account register (pictured)!

But wait! There's more. Four months after finishing the program, 98.6% of the graduates still had their savings accounts open with balances totaling $38,964.66.

This participant's comment sums up the life-changing impact of SECURE: "I feel empowered to now have the knowledge to actually create a budget and have the resources for set-asides and savings. My relationship with money and spending/saving has significantly shifted. I am more responsible and accountable for where my money is going and how it is being used. This is such a gift!"

 

Self-Help Credit Union + OnTrack WNC =  NEW Financial Capabilities Program

Self-HelpStarting this month OnTrack WNC certified financial coaches will be available to Self-Help Credit Union (Self-Help) members one day each week at two Asheville branches: South French Broad Avenue and Hendersonville Road.

The launch of this partnership is the culmination of months of work and program development. The national focus on programs that strengthen people's financial capability gained the attention of Self-Help. Because OnTrack WNC has had strong client outcomes using this approach since 2014, we were an obvious - and willing - partner!

Self-Help members can schedule coaching appointments to evaluate their situations, clarify goals, and develop action plans to move toward them! Our hope is that as members are taking action to reach their goals, they are also learning how to manage financial products in ways that support their success. If you're a Self-Help member and interested in making a change to your money life, call OnTrack WNC at 255-5166 and ask for the Self-Help program. 

 

Malaprop's Presents: An Evening with Jen Sincero, author of You Are a Badass at Making Money

Jen SinceroJen is a different kind of financial guru. In her early forties, she finally grew tired of living off of Taco Bell with tumbleweeds blowing through her bank account, and over a few years, transformed herself.  She is now a sought-after speaker and bestselling author who travels internationally to share her wisdom and wit, helping people change their lives and their bank accounts.

Jen's second book, YOU ARE A BADASS AT MAKING MONEY combines hilarious personal essays with bite-size aha concepts to unlock earning potential, perfect for anyone: soon-to-be-financially-independent college grads, employees who have been stuck in a workforce rut for decades, and entrepreneurs who want to take it to the next level.

 

 

When: Friday, September 29 - 6:00 pm
Where: Malaprop's
Tickets: Each ticket comes with free copy of You Are a Badass at Making Money! Purchase tickets here. 

Money Matters - ON-THE-AIR 

Here is the August program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am.  Podcasts are available here. 

August 6th: Prepare to be inspired as Money Matters host, Celeste Collins, talks with Keynon Lake founder of My Daddy Taught Me That. Along with program participants Deangelo Collins and D'Andre Smith, Keynon explains need for the program, the four-tiers, and the remarkable impact on the lives of young men in our community.

August 12th: Looking for ways to pay for college? Laura Misner, Regional Representative with College Foundation of NC, describes the free resources available through www.cfnc.org to help parents and students plan, apply and pay for college.

August 19th: It's wedding season! Allison Taylor from WNC Weddings & Events offers tips, ideas and wisdom for planning that special event and managing finances to minimize cost. [Rebroadcast]

August 26th: We're celebrating our 44th anniversary! OnTrack WNC Board members Brad Blackburn President, and Vicki Banks, Vice President join Money Matters for a trip down memory lane to reflect on all the ways the agency has evolved to meet community needs since it was founded in 1973.

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.  

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July 2017 Edition

Make Financial Freedom Your Reality!

In this month when we celebrate the United States' declaration of independence, why not declare your own personal financial independence? Getting started is as simple as scheduling an OnTrack WNC CLASS or APPOINTMENT! We can help YOU develop a spending plan, build your credit, avoid foreclosure, get financial assistance for your mortgage payment, pay down debt, buy your first home, make a plan to deal with your student loan debt and MORE.

Don't wait any longer to begin your journey toward FINANCIAL FREEDOM! Call us today 828.255.5166 or 1.800.737.5485.

 

Older Adults in Buncombe County...

The Buncombe County Aging Coordinating Consortium wants to hear from you as it develops and implements the 5-year strategic Aging Plan for 2018-2022. The Aging Plan provides focus and direction for the use of federal, state and county "older adult" funds.

Use this link to go to the Aging Plan Community Survey. This survey should take 3-5 minutes to complete. Thank you for your participation!

 

NEW: Asheville Savings Bank Sponsors 2017 Credit Awareness Days 

OnTrack WNC's Credit Awareness Days provide consumers with a FREE credit report and score. We are thrilled to announce that Asheville Savings Bank is the EXCLUSIVE SPONSOR for July - December 2017! This new partnership was featured on Money Matters. Hear the podcast.

What are Credit Awareness Days? On the second Friday of each month from 11AM - 1PM you can receive a FREE report and score, by bringing photo identification to OnTrack WNC's office at 50 S. French Broad Avenue in Asheville. The NAACP and WRES radio with OnTrack WNC to provide outreach and increased awareness of this important resource.

 

Money Matters - ON-THE-AIR

Here is the July program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am.  Podcasts are available here. 

July 1st: Homeownership Month continues with Mortgage Loan Experts Jennifer Duvall, VP, Asheville Savings Bank, and Jill Dotson, Loan Officer, HomeTrust Bank  explain what impacts your ability to qualify, steps to be ready for your application, and mortgage programs that can make your homeownership dream a reality.

July 8th: Our monthly Credit Awareness Days now have a NEW EXCLUSIVE sponsor: Asheville Savings Bank! The bank's Vikki Bailey, EVP, Chief Retail Officer, and Aimee Sprinkel, VP, Director of Marketing & Communications discuss the FREE credit reports and scores available through this program and additional ways ASB supports OnTrack WNC.

July 15th: Confused about credit scores? Join us for Barry Paperno, who served for decades in the credit industry with FICO and Experian; he now writes a weekly credit advice column "Speaking of Credit" for CreditCards.com.

July 22nd: Brad Rouse introduces the nonprofit Energy Savers Network's which helps the climate and helps people by providing volunteer-based solutions to energy efficiency problems that disproportionately impact low-income and minority communities.

July 29th: Buncombe County is gathering input to inform the development of the Five Year Aging Plan (2018-2022). Alison H. Climo, MSW, Ph.D. Coordinator, Buncombe County Aging Plan explains the Plan and how you can share your thoughts. Learn more here.  

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.  

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June 2017 Edition

June is Homeownership Month!

Homebuyer Program

Don't let the complex and intimidating process of buying a home stop you from realizing your dream! Take the first step by signing up for our comprehensive Homebuyer Program. We combine education and counseling so you can build financial knowledge/tools for budgeting, saving, improving credit, to realize your dream of buying a home. Wherever you are in the homebuying process we'll provide the support you need to reach your goal of homeownership.

For inspiration, check out the podcasts of Money Matters shows that feature local professionals who describe different stages of buying a home (list below). Also, don't miss the wonderful Homebuyer Program supporters featured in the next article!

Learn more about Buying A Home.

 

 

Our Homebuyer Program depends on...


 

... Financial Support! Our high-impact Program would not be possible without the important financial support of these businesses and organizations:

  • Sponsorships ~ Asheville Savings Bank, HomeTrust Bank, and Mosaic Lifestyle Realty
  • Program funding ~ Mission Health System and The Biltmore Company
  • Grant support ~ The CFWNC Asheville Merchants Fund, PNC Bank, TD Bank, Wells Fargo and United Way.  

... Local professionals! Our Homebuyer Education series features a host of guest educators -- realtors, mortgage lenders, down payment assistance providers, real estate attorneys, and home inspectors - who offer expertise and information for successfully navigating the journey toward homeownership. Checkout June's Money Matters radio shows which feature some of these professionals and tips for each stage of buying a home (list below).

Did you know...?

- In 2015 the median home was 2,224 square feet compared to only 1,650 sq. ft. in 1978. Average household size? 3.33 people in 1978 and 3.15 in 2015! SOURCE: National Assn. of Home Builders and U.S. Census Bureau

- The average first-time homebuyer is about 33. Approximately 80 percent of the 41.4 million Americans age 65 and older own their home.  SOURCE: US Dept. of Housing & Urban Development

- New homeowners purchase more products and services in the first six months after moving than an established resident spends in a two-year period. SOURCE: Experian

- 20% of home buyers will give up an extra bedroom or garage to buy a home in a good school district. One out of three buyers would buy a smaller home to be in a good school district. SOURCE: Realtor.com

Median homeowners had nearly $200,000 in net worth or 36 times that of the median renter who had just over $5,000. SOURCE: Federal Reserve Survey of Consumer Finances (2013)

The top reason that loan applicants are not approved for mortgages is a debt-to-income ratio that is too high. Reason #2 problem credit histories and scores. SOURCE: Federal Reserve

Hoping to open the door to home-purchase mortgages for large numbers of new buyers Fannie Mae plans to ease its debt-to-income borrower requirements from the current ceiling of 45% to 50% starting July 29th. SOURCE: Washington Post

 

In The News

In Brevard: OnTrack WNC Offers Free Credit Report And Score Event
Transylvania Times, June 1, 2017

 

Money Matters - ON-THE-AIR 

Here is the June program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am.  Podcasts are available here. 

June 3rd: Money Matters' guests Vicki Banks, The Biltmore Company, and Lakesha McDay, Mission Health, kickoff Homeownership Month with an informative and inspiring discussion of innovative Employer Matched Savings Programs to support employee homeownership.

June 10th: Dream of owning your own home? Good news: OnTrack WNC's Homebuyer Program has all the information you need to determine if homeownership is right for you and how to create your Action Plan to take steps toward homeownership! 

June 17th: What's going on in the real estate market? Hart Dahlhauser, Real Estate Broker - Mosaic Community Lifestyle Realty shares insights and tips to help buyers and sellers.

June 24th: Existing homeowners and homebuyers, learn how to protect this important investment. Chad McMahon, State Farm Agent, provides guidance on finding the right insurance for your home!

BONUS: July 1st: Homeownership Month continues with Mortgage Loan Experts Jennifer Duvall, VP, Asheville Savings Bank, and Jill Dotson, Loan Officer, HomeTrust Bankexplain what impacts your ability to qualify, steps to be ready for your application, and mortgage programs that can make your homeownership dream a reality.

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.  

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June Special Edition

2017 Financial Literacy Awards Luncheon Highlights 

Brad Blackburn

This year, on May 19th, over 200 people gathered for our Financial Literacy Luncheon at the Crest Conference Center & Pavilion to recognize award winners, learn more about our initiatives and support OnTrack WNC's mission. Ten years ago, in May 2007, our agency revealed our new name: OnTrack WNC Financial Education & Counseling. Keep reading to learn about our 2017 BIG REVEAL!

 

The 2017 Award Winners:
Community Financial Literacy Partner Award:
Life Works Program

Volunteer of the Year:
Jack Laughlin
Credit Where Credit Is Due Keystone Society:
Parsec Financial and Starks Financial Group

Clients of the Year:
Cynthia Clark, William "Bill" Raynor, and Shanae Johnson.   

  OnTrack WNC FLL

2017 BIG REVEAL: The OnTrack WNC Keystone Society which recognizes businesses and individuals who make multi-year, undesignated contributions. 

In less than a month, the OnTrack WNC Keystone Society has two businesses and three individual members. Learn more about the members and how you can become a Keystone Society member! 

Thanks to sponsorships, ticket sales and in-kind contributions, the Financial Literacy Luncheon was financial success raising over $42,000.

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May 2017 Edition

BIG NEWS: OnTrack WNC receives Parsec Prize!

Parsec Financial

On April 25th Parsec Financial, a fee-only wealth management firm, announced that OnTrack Financial Education & Counseling (OnTrack WNC) has been awarded a Parsec Prize for 2017 and will receive $100,000 over the next four years which is the largest commitment that Parsec Financial has ever made to one organization.

"It just made perfect sense for us to support OnTrack WNC," says Harli Palme, COO, Parsec Financial. "We wanted our gift to make a long-lasting impact and we are really excited to choose OnTrack WNC to receive a four-year long Parsec Prize towards building financial literacy in our community."

Thank you Parsec Financial for the incredible honor of receiving this significant multi-year funding! Learn about the other 2017 recipients.

In The News

OnTrack WNC Financial Education & Counseling to receive expanded Parsec Prize of $100,000
Mountain Xpress, April 8, 2017

OnTrack WNC's VITA Site Celebrates Its 10th Season!

Tax Volunteers

We launched our free tax prep VITA Site in 2007 and by April 15th our volunteers had completed 67 returns.

Compare those results to this year! Our 13 amazing volunteer tax preparers helped 773 low-income taxpayers receive refunds and credits of $971,733.00 and save an estimated $232,000 in tax prep fees. In addition our VITA Site's share of returns completed through MyFreeTaxes was 188 total returns with refunds of $219,450 including EITC of $61,880.

We celebrate that over the last 10 tax seasons, OnTrack WNC's VITA volunteers have helped over 6500 people receive more than $8 million in refunds and save an estimated $200- $400 per return in tax prep fees.

We could not offer these important services without funding from The City of Asheville Strategic Partnership Fund, United Way of Asheville & Buncombe County, Dixon Hughes Goodman, and NC Association of CPAs! 

Our VITA Site Receives IRS Recognition

IRS RecognitionOn April 27th the IRS held a national virtual recognition webinar "Recognizing Remarkable Relationships" hosted by IRS Commissioner, John A. Koskinen.

The first-ever virtual recognition highlighted Volunteer Income Tax Assistance sites from across the country in five categories of awards: Partner Innovation, Community Involvement, Overcoming Adversity, VITA/TCE Best Practices, and Longest Serving Partners.

OnTrack WNC's VITA Site was recognized in the Community Involvement category with VITA Sites at Duke Law and Catholic Community Services. Here's a link to the entire webinar.

Money Matters - ON-THE-AIR 

Here is the May program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am.  Podcasts are available here. 

May 6th - Jamie Beasley, Executive Director of Working Wheels (formerly Wheels4Hope) shares how this local nonprofit can take a donation of your old car and help a needy family! Plus you can get you a tax deduction. Learn more at www.WorkingWheelsWNC.org.

May 13th - To spotlight May as Older Americans Month, Rebecca Chaplin, Associate State Director of Community Outreach & Advocacy, AARP North Carolina, Mountain Region, explains resources available through AARP, its national initiatives, and advocacy areas important to seniors.

May 20th - Enjoy reflections from OnTrack WNC's 2017 Financial Literacy Awards Luncheon including the stories of Clients of the Year, Life Works the Financial Literacy Community Partner Award, the launch of the Keystone Society and the 30 Day Match Challenge Grant from the Chaddick Foundation.

May 27th - Abdul Rasheed, Executive Director of the William C. Friday Fellowship for Human Relations explains the organization's 20 year history and the two-year program that equips leaders to collaborate to solve problems, engage differences with civility, speak truth, lead with courage and embrace equity and justice.

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.  

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April 2017 Edition

Financial Literacy Month - knowledge, skills, action, access

Ladies at Women and MoneyIf your New Year's Resolutions are getting a little dusty, check out the resources available below to build your Financial Capability during Financial Literacy Month!
- Money Smart Week - April 24-29 check out OnTrack
  WNC Classes
- National Money Smart Week Resources 

- Retire on Your Terms  

 

2017 National Financial Literacy Survey

Financial Literacy MonthAs part of Financial Literacy Month, the National Foundation for Credit Counseling® (NFCC®) released the results of the 2017 Financial Literacy survey which shows an increase in Americans' credit card debt, fewer people with non-retirement savings and higher levels of concern about long-term financial stability, including retirement savings.


Click here to learn more 

 

OnTrack WNC's Free Tax Prep Goes On The Road

Tax HelpWhen the IRS asks for a favor that'll get your attention! The IRS asked us to provide free tax preparation at Industries for the Blind (IFB), so our staff and volunteers made it happen! On February 24, five volunteer tax preparers and two OnTrack WNC staffers were onsite assisting sight-impaired clients and IFB staff members with completing and filing their tax returns. Pictured left is Volunteer Carl "Boots" McGowan and two people who were able to file their taxes thanks to him. Learn more about our tax program here.

For more information about volunteering in 2018, contact our Tax Project Coordinator, Pete Wrublewski.

Spring Shred Day: Saturday April 22nd from 9AM - 12 NOON

Shred EventDid you know that over half of identity theft victims can trace the theft to something that was taken from their own possession? Since many of us are busy prepping our tax documents, now is a good time take steps to prevent personal information from falling into the wrong hands.

To help you eliminate that risk, OnTrack WNC is partnering with the Better Business Bureau and American Security Shredding for free document shredding. Limit up to 50 pounds, 3 medium boxes or bags; 112 Executive Park, Asheville, NC 28801 (College St. parking lot).

In The News

Learning to save gives lower-income workers peace of mind
Mountain Xpress, April 8, 2017

Money Matters - ON-THE-AIR 

Here is the April program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am.  Podcasts are available here. 

April 1st - Julie Goodwin, Regional Director of the Better Business Bureau shares the latest frauds, scams and ways to protect yourself. Shred Day is Saturday April 22nd 9:00 - 1:00 at the Asheville BBB.

April 8th - Financial Literacy Month is full of hot topics. Celeste Collins highlights Equal Pay Day, National Retirement Week, Money Smart Week and warnings about why budgets fail.

April 15th - Own your healthcare. Own your wellness. Karen Olsen, VP, Chief Nursing Officer with Mission Health offers helpful healthcare tips that not only keep you healthy but can save you money too!

April 22nd - Marsha Davis, Deputy Director of the YWCA provides an overview of the Stand Against Racism initiative and local opportunities to be involved. In addition, she highlights the YWCA's Getting Ahead program.

April 29th - The State Farm team announces the results of OnTrack WNC's grant application and provides insights and wisdom about the world of insurance.

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.   

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February & March 2017 Edition

Tax Tips and Tax Assistance

Pete and Tax SupervisorsIt's February so you should have all the documents you need to file your taxes. Click here for Top Ten Tax-Time Tips straight from the IRS.

The OnTrack WNC Volunteer Income Tax Assistance site kicked off free tax services with a team of 16 dedicated, kind, professional, IRS-trained volunteers led by Pete Wrublewski, OnTrack WNC's Tax Project Coordinator (pictured here with volunteers Katherine Early and Cathy Brown). Since 2007 our VITA site has helped more than 6,000 taxpayers complete and file taxes to receive nearly $8 million in refunds and credits.

Our tax site would not be possible without the amazing our sponsors Dixon Hughes Goodman, LLP and NC Association of CPAs, plus grant support from The City of Asheville Strategic Partnership Fund, and the United Way of Asheville and Buncombe County. Thank you!

Love and Money: Intentional Conversations

Heart MoneyIt's true 'opposites attract' and most people have a different approach to money management than their spouse or partner. No matter the differences or challenges, the best approach is communication.

Interested in avoiding the relationship land mines and speaking your financial truth? Here are TEN TIPS for managing those hard but important money conversations!

Save The Date! 2017 Financial Literacy Luncheon
Friday, May 19th ~ Crest Center & Pavilion

Financial Literacy Luncheon 2016At this special annual event we will recognize individuals, businesses, organizations, and community partners who have worked to promote financial literacy in Western NC.

A highlight will be the celebration of our Clients of the Year who have worked to achieve their money and housing goals. Mark the date on your calendar and watch your mailbox in April for our invitation.

Money Matters - ON-THE-AIR 

Money Matters radio show features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am. Podcasts are available here. 

State Farm logo 

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.   

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Special Edition: Tax Refund Save To Win Winners! 

We are excited to announce the Grand Prize Winners of the 2016 Tax Refund Save To Win program which is designed to encourage our tax clients to deposit all or part of their tax refund into a savings accounts AND maintain the balance for at least six months.  Fifty-six (56) tax clients participated and saved a total of $38,821.69! Half of the participants made additional deposits to their savings - which averaged $550.57 -- beyond their initial tax refund deposit. By adding to their savings and/or participating in OnTrack WNC education and counseling, participants earned additional prize drawing entries and improved their financial skills.    

Kelvin Anderson: Grand Prize $500 Winner

Pictured above: Grand Prize Winner, Kelvin Anderson; Executive Director Celeste Collins, and Emily Matthews, Tax Save To Win Coordinator

Kelvin works for Asheville Transit and lives in Asheville Housing Authority's Garden Apartments. His Family Self-Sufficiency advisor recommended he come to OnTrack WNC. Kelvin said the Tax Program has helped him recognize assets in the community, like OnTrack WNC and Self-Help Credit Union.

When he found out he won, he could hardly believe it. "For some people $500 is like nothing, but for me it's a LOT! I plan to help out my church, keep the rest in savings and keep adding to it."

Nancy Walton: $250 Prize Winner


 

Pictured above: Nancy Walton and OnTrack WNC's Educator & Counselor, Anna Smith.

This prize could not have come at a better time for Nancy who is enrolled in an accounting class at AB Tech this semester.

Nancy said, "I've been figuring out over the last couple of weeks how to pay for the books for this coming term at ABTech. I start school this January after 20 years. I have been very surprised as to how expensive textbooks are. This money is a blessing that allows me to cover some of this cost without using any more of my savings at the moment. Thank you so much!"

 

Sue Fruchey: $250 Prize Winner

Pictured above: Celeste Collins, Sue Fruchey and OnTrack WNC Counselor, Kathryn Beach.

Sue works for the US Forest Service and since 2015 has participated in a wide range of OnTrack WNC's education and counseling services.

What did Sue learn from Tax Save To Win? She said, "I became more intentional about saving and there's a reward in not only knowing that money is there, but feeling good about myself for making the additional deposits happen."

Sue plans to keep her savings account in place and add to it, because, as she says "It has become my 'emergency' fund."

Great News for 2017:
OnTrack WNC's Free Tax Preparation and
The Tax Refund Save To Win Program
will continue, thanks to sponsorship support from
Dixon Hughes Goodman, LLC and the NC Association of CPAs
and grant support from
the City of Asheville's Strategic Partnership Grant,
United Way of Asheville/Buncombe County and Action Pathways
and program partnership from Self Help Credit Union.

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January 2017 Edition

Annual Giving 2016 Total

Let Us Help YOU Take Action in 2017!

Get 2017 off to the right start by deciding what are of your finances you'd like to improve, then sign up for one of OnTrack WNC's targeted programs that combine education classes (to gain knowledge) with individual counseling (to build skills and create action steps):


Credit CardPay Down Debt ~ Begin with our FREE Budget & Debt class followed by a confidential, individualized appointment with a financial counselor. Together you'll create a plan to pay down your debt.

Credit ModelImprove Credit ~ Attend our FREE Credit Class, get your credit report/score at OnTrack WNC's monthly Credit Awareness Day, and schedule a Credit Builder counseling session to create an action plan for credit improvement.

Stick houseBuy a Home ~ Start the journey toward Homeownership with OnTrack WNC's Homebuyer Program. This comprehensive program includes Homebuyer Education to gain knowledge about the process, and individual counseling to create a personal Homebuying Action Plan.

 

Click here for our Education Schedule.

Want to Know More About Identity Theft?

Identity TheftAttendees who pre-register are entered into a drawing to win one of three $25 cash prizes!
FREE Financial Education Class - 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.

These classes are offered in partnership with the Buncombe County Library system and will be delivered at the following branches:
 
Thursday, January 26, 2017 from 6:00 - 7:30 pm - Pack Memorial Library
Tuesday, February 7, 2017 from 5:30 - 7:00 pm - South Buncombe Library
Wednesday, March 8, 2017 from 2:00 - 3:30 pm - North Asheville Library

Buncombe County
Call 828.255.5166 to register today!

In-The-News

How to recover from holiday debt- Asheville Citizen-Times, January 1, 2017
How to cash in on tax benefits before the end of the year
- WLOS, December 29, 2016
Starting and keeping your financial resolutions in the New Year
- WLOS, December 29, 2016

Money Matters - ON-THE-AIR

Here is the January program lineup for our Money Matters radio show which features local guest experts with financial tips and insights. Listen to WWNC 570AM on Saturday mornings from 8:30 to 9:00 am. Podcasts are available here. 

January 7th: OnTrack WNC Certified Counselor & Education, Anthony Jimenez, announces the 2017 partnership with the Buncombe County Library system  and highlights education and counseling programs designed to help you reach your financial goals.

January 14th: Rachel Tanksley, AAMS®, Associate Financial Planner, previews Starks Financial Group's 2017 Savvy Women education seminars, the special prize drawing available to attendees and shares tips for attaining goals in 2017.

January 21st: It's time to think about how to Plan, Apply, and Pay for college with the help of Laura Misner, College Foundation of NC. Learn about this wonderful FREE resource available to all North Carolinians.

January 28th: State Farm Agent, Bill Russell, gives us Top Ten lists he sees with people's insurance, things we miss and Top Ten areas to cover in your annual insurance review.

Thanks to generous grant support from State Farm®, Money Matters is broadcast  on WWNC 570AM every Saturday morning from 8:30 - 9:00 a.m.   

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2016 Financial Flash E-Newsletter Archives

2015 Financial Flash E-Newsletter Archives

2014 Financial Flash E-Newsletter Archives

 

United Way NFCC Council on Accreditation