October 2015

Recently one of our financial coaches had this to say when asked what important things she learned at her coach training, "1. Don't judge, accept. 2. Don't ask why, ask how. 3. Don't solve, instead light the path."  Wow, I could not have said it better! Our whole approach to working with clients is to recognize that they are whole, resilient, creative and experts in their own financial world.   Our role is to bring accurate, objective information and access to affordable, responsible financial products to our clients.  Our coaches and clients work hard, side by side, to tackle complex financial issues.  It takes time and perseverance, but it does pay off.  The Consumer Financial Protection Bureau (CFPB) just completed a comprehensive study to evaluate two leading financial coaching programs and found that financial coaching does make a significant difference in people's lives.
"The study finds that among people who were interested in taking steps toward their financial goals, those with access to coaching did better than those without. Those who met with a coach even once improved their money management skills and saw meaningful gains on a range of financial health and well-being outcomes." 
We know that personal connections and relationships are the essence of what makes us tick.  Let us know if you or someone you know would like to become a coach, work with a coach or otherwise get involved with Innovative Changes!

All the best,

Nancy Yuill
Innovative Changes work featured in two national webinars
Thursday October 15th will be a special day at our offices as we will be featured in two national webinars.  At 10 am PST Nancy will be sharing our asset building work on a webinar that is launching the Institute on Assets and Social Policy's Guidebook:  Empowering Prosperity: Strengthening Human Services Impacts through Asset IntegrationThe guidebook highlights our partnership with Home Forward working with their Somali residents at New Columbia.  Then at 11 am Rachell Hall will be interviewed on a webinar about our work to integrate financial capabilities services as part of a five part learning series run by the Assets and Opportunity Network.We hope you can tune in to learn more!
Meet our AmeriCorps VISTA: Brian!
What drew you to this Financial Opportunity Corps position at Innovative Changes?  
I had a bit of a roundabout way of getting here!  I went to school at OSU and did a study abroad program in Vienna, Austria during my last term before completing my undergrad degrees in Management and Administration.  After graduating, I was already in Europe on a one way ticket and as a musician that had already been on many tours in America, I decided to organize some concerts in Europe for three months before returning here or finding a job there.  

Read more about Brian here!
Meet our AmeriCorps OSSC: Rosalia!
 What drew you to the Youth Financial Empowerment position at Innovative Changes?
This past summer I was an AmeriCorps Vista with Self-Enhancement Inc where I co-taught financial literacy to eleventh graders. It was such a new experience but so fun. I just graduated from college and it just makes me wish that I had had some sort of financial education before I was faced with all of it.
What were you doing before joining IC$? 
 I just graduated from the University of Oregon and I had a short AmeriCorps position this summer.

Read more about Rosalia here!
Volunteer Opportunity with CASH Oregon
Volunteers Help Those in Need Receive the Tax Refunds They Deserve
This year volunteers helped over 3.2 million taxpayers get $3.89 billion in tax refunds. The economic impact of free volunteer tax assistance benefits residents of every state in the country, helping them achieve their financial goals and boosting local economic activity.
Americans receive an economic boost from tax credits generated by volunteer tax assistance, including $1.1 billion in Earned Income Tax Credits (EITC), $900 million in Child and Additional Child Tax Credits, and $82 million in Education Credits.
Upcoming Workshops & Orientations
The next Financial Household Resiliency workshops will be:
- Tuesday evenings, 5:30-7:30 pm
Oct. 13th: Budgeting and Saving
Oct. 22nd: Hands on Banking
Oct. 27th: Building, Repairing, and Protecting Credit
Nov. 3rd: Making Ends Meet
Nov. 10th: Budgeting and Saving 
This workshop series will be held at our office in 2027 Lloyd Center Mall. You can register for the classes here.
Our next Credit Builder Orientations will be:

- Thursday Oct. 15th, 5:30-6:30 pm 
- Friday Oct. 23rd, 1-2 pm 
- Friday Oct. 28th, 5:30-6:30 pm
- Friday Nov. 6th, 1-2 pm 
-Wednesday Nov. 11th 5:30-6:30pm
- EN ESPANOL viernes, 20 de Noviembre, 1-2 pm 
 All take place at our office, 2027 Lloyd Center.  Register here .
Quick Stats:
As of 10/13/2015
Total disbursed:
Financial Education Clients: 3,417
IDA Savers: 111
IDA Graduates:
IDA Wait List:
IDA Interest: 
About Us
Our inter-related programs of responsible lending, credit building, financial education and savings acceleration build people's financial capabilities and put them on the path to long term financial health.  Join us in our work!

You Can Help!

You care about helping people achieve and maintain household stability. Now you can join our efforts at Innovative Changes as we expand our reach to serve more clients. Your generous donation will be put to good use!


Whatever amount you can afford, you can set it up for monthly automatic payments to ease your cash flow. If you have bill pay service with your bank you can set up Innovative Changes to receive regular monthly payments. If you prefer, we can process a monthly ACH transaction on your behalf. Contact us at contact@innovativechanges.org to set up your monthly giving program.


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