Innovative Changes
Teens and Money
May 2014

If you are a teenager or live with one, you may know that this is a pivotal time to start figuring out how to be a good money manager so you (or your teen) can be successful on your (their) own. In this issue we have resources on:
- Money Tips for High School Grads
- Building Credit for the First Time
- Funding Education: Where to Start?
We also have more information on how to get involved in the next Habitat for Humanity selection (doesn't get any better than 0% interest mortgages!) and our upcoming fundraiser. We hope to see you there! Also, we're hiring! Check out our opportunities below.

For more information on financial topics and others, check out our resources blog.

All the best,


Innovative Changes

Upcoming Workshops & Orientations
Our next Financial Household Resiliency workshops will go for 4 Tuesdays in a row starting:
Our next Credit Builder Loan Orientation will be held:
- Wednesday, May 28th from 5:30-6:30 here
Building Credit for the First Time
Building credit can be an intimidating venture for many, but with the right tools, tips, and resources you can build credit successfully. We've built a checklist of what to do to start building-or rebuilding-your credit. Read more here.

Funding Education: Where to Start?


With the average student graduating with $29,400 in debt, tackling college tuition can seem daunting. Read our guide on the options that are out there, including how to find grants and evaluate loans if you need them.

Top 5 Money Tips for High School Gradstips

For many, graduating high school means taking on more financial responsibilities. We've gathered tips here on budgeting, using credit, building a savings account, and generating income 

Habitat for Humanity Family Selection


Habitat for Humanity Portland/Metro East, which works with qualified, low-income families to help them realize the dream of owning their own home, is holding a family selection this spring. To apply for the Habitat for Humanity program, potential applicants must attend a Homeownership Application Meeting. Four are scheduled this May.


For more information on these meetings and information on how to qualify, visit

Quick Links
Join Our Mailing List!
Come to our Fundraiser!


Where: 18th Avenue Peace House on the corner of NE Tillamook and 18th Avenue.


When: May 29, 2014 5:30 pm to 7:30 pm.

We believe that all people have the right to financial stability. We invite you to join us in supporting our work and celebrating our clients' successes by attending our fundraising event.  The cocktail party will feature wine, soft drinks and appetizers.  Our venue, the Peace House, provides striking architectural features in a warm and welcoming setting where hospitality reigns.  


We encourage you to bring along a friend who will enjoy learning about our work.  Though the event is free we hope you will consider making a donation in support of our work. Please RSVP here so we can plan accordingly.


For more information, call us on (503) 249-5205 or email

We're hiring!

Innovative Changes is currently hiring for not one, not two, but three positions! See all our opportunities below and click the links to for the full job posting and details on how to apply.
Financial Education Coordinator: Do you have a passion for engaging people in the community? Are you a natural teacher/facilitator? This is a 25 hour a week position that will focus on facilitating our workshops and trainings, enhancing curriculum and more. 
AmeriCorps VISTA Positions: These This year-long positions go from August 2014- August 2015 and will primarily focus on supporting the growth of the IC$ volunteer financial coaching program. WE have two roles. Click the links to find out more.

For Our Borrowers


Are You Receiving Your Payment Reminders? 

If you chose to receive your payment reminders by email, make sure that they are coming to your inbox and not your junk mail. If you would like to change the way that you receive reminders (by mail, by email, or by phone call) let us know! Call Misha at

See all the options on how to make your loan payment here.

Remember, We Are Here to Help!  


Are you having trouble making your payment this month, or afraid that it might be a little late? Let us know! We understand that unexpected events and expenses can make it hard to keep your finances on track, and Innovative Changes wants to be there for you in such cases. We are flexible and willing to work with our borrowers to satisfy loan obligations, and in return we ask for honest and timely communication.