November 2014

We know the holiday season can be stressful. Time and money always seem to be in short supply, and expectations from family and friends can add pressure. We've put together these articles to help you manage your priorities and have a happy holidays: 
  • November Holiday Resources
  • December Holiday Resources
  • Great Holiday Recipes on a Budget

Also, if you are interested (or know someone who is) in attending financial education in Spanish, our partner, Hacienda CDC will be hosting a workshop called Su Dinero, Su Futuro on 12/6 from 10am-5pm. Learn more about it and how to register here.


Have a safe, happy and healthy Thanksgiving!

All the best,

Innovative Changes

Credit Tip of the Month


Did you know that if you take out a loan jointly with a spouse or partner, payments are reported to both of your credit files? Joint loans are reported to each of your credit reports, which can be a great benefit! However, it also means that if one of you is unable to pay, the other will be responsible for payment, and any delinquent payments will be reported to both files. Consider the tradeoffs and ask your lender about joint loans or credit cards!



Interested in learning more about how to build credit? Attend a credit builder loan orientation!

November Holiday Resources

Sure Christmas decorations go up earlier and earlier every year, but November's still got a lot to offer! Many spots around Portland will be hosting events in preparation for the holiday season as well as free events for Thanksgiving. We rounded up some local, affordable, family-friendly events so that you can make the most of November! Happy Thanksgiving!
December Holiday Resources

Christmas is quickly approaching and although it's supposed to be a time of joy it can also be a very stressful time, especially when it comes to gift giving.  If you have children, providing them with a memorable holiday can push you close to the edge.  With constant advertisements and the pressure of keeping up with the latest styles, "What is important," gets lost in the fruitcake. Innovative Changes believes that everyone should have a happy holiday, which is why we want to connect you with some great resources, in hopes that you and yours will have a jolly good time.  

Great Holiday Recipes on a Budget

It can be wonderful to share festive meals with friends and family over the holidays, but the cost can be stressful! Often the types of food available in bulk or from food bank boxes are not the things we are used to and comfortable cooking. Here are some websites that offer free recipes so that when you find that bulk frozen squash or canned beef on sale you will know just how to use it, saving money for your family and spreading the joy of a great meal in the process. 

Upcoming Workshops & Orientations

The next Financial Household Resiliency workshops will be:


- Tuesday evenings from 5:30-7:30 November 4th-25th 


All take place at our office, 2010 Lloyd Center Mall.

You can register for the classes here.

Our next Credit Builder Orientations will be:


- Friday, November 21st 1-2 pm

- (en espanol) jueves, 4 de diciembre 5:30-6:30 pm

- Friday, December 12th 1-2 pm

- Thursday, December 18th 5:30-6:30 pm


 All take place at our office, 2010 Lloyd Center.

Register here.

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