December 2014

We know winter can be stressful. With the holidays, 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 juggle your priorities, cut down on winter costs and prepare for the new year:  

-  2015 tax season
- Affordable gift ideas for the holidays
- Winter/Holiday assistance programs.


Have a safe, happy and healthy holiday season! We will see you in the new year!

All the best,

Innovative Changes

Credit Tip of the Month


Credit cards can be scary, but they can also be a great tool to help build credit. Here is a tip for using credit cards responsibly: Choose one household bill that is about the same amount every month, such as a cell phone bill. Set up your credit card to automatically pay that one bill, and then have your bank account automatically pay your credit card. That way you are using a small amount of credit every month and always paying it off, and there are no surprises! Then you can leave the card at home so you aren't tempted to use it for impulse purchases.


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

Holiday Gift Ideas

Innovative Changes knows that shopping around the holidays can be hard on your budget. Below are some great tips for gift giving!

  • Track your spending now & be prepared for next year!
  • Save receipts
  • Avoid over spending on credit
  • Start putting money away now for 2015
Continue reading here for some Innovative gift ideas! 
Tips for a Warm Winter

Welcome to winter, the time of year when heating bills seem to skyrocket, the holidays take over, and everyone bundles up until March.Here are some tips to stay busy during the winter months and lower your winter costs. 

Preparing for Tax Season

Tax season is right around the corner and starting towards the end of January you can begin to file. There are a series of documents that you should have obtained when you file.  We have compiled a list of documents you will need for 2015. It's never too early to prepare!


Continue reading here. 

Upcoming Workshops & Orientations

The next Financial Household Resiliency workshops will be:


- Tuesdays from 5:30-7:30 pm January 6th-27th

- Tuesdays from 5:30-7:30 pm February 3rd-24th

- Fridays from 10 am-12 pm February 6th-27th


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

You can register for the classes here.

Our next Credit Builder Orientations will be:


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

- Thursday, January 8th 5:30-6:30 pm

- Friday, January 16th 1-2 pm

- (SPANISH) Jueves, 22 de enero 5:30-6:30 pm

- Friday, January 30th 1-2 pm


 All take place at our office, 2010 Lloyd Center.

Register here.

Quick Links

Like us on Facebook   Follow us on Twitter   LinkedIn   Pinterest