July 2016

We are about halfway through our summer vacations. You may still be working, but maybe you plan on taking a vacation later this summer with the family. Planning for a vacation should be fun, but making sure that the vacation is in your budget is important to your yearlong budget. We have some simple tips and things to remember when budgeting for the seasons.

Enjoy the sun and stay cool!
Budgeting the Seasons
Visualizing where your money goes is helpful when trying to make a clear and attainable budget. One way to visualize your budget is to break it up much like companies do for their quarterly earnings. Here are some tips and things to remember should you create a seasonal budget.

Breakfast and Lunch for Kids
Are you looking for a free breakfast or lunch for your kids this summer? The Food and Nutrition Service of the USDA offers this free guide to finding free meals in your area. Follow the link here to see where in your neighborhood free meals are being offered: http://www.fns.usda.gov/summerfoodrocks
Credit Tip of the Month
Credit inquiries lower your credit score, so avoid making many inquiries about new loans and lines of credit. This includes opening a new store card to get a discount on a purchase. If you do need to shop for a new loan, do your comparison shopping over a few days. That way, raters may count the inquiries as a single event. Rest assured, though, that checking your own score doesn't count against you. Interested in a Credit Builder loan? Sign up here!

 Upcoming Workshops & Orientationscb
The next Financial Household Resiliency workshops will be:
Tuesday evenings, 5:30-7:30 pm and Friday early afternoons 10:00-12:00 pm

July 26th: Building, Repairing and Protecting Credit
August 9th: Making Ends Meet
August 16th: Budgeting and Savings
August 23: Hands On Banking
August 30th: Building, Repairing and Protecting Credit
This workshop series will be held at our office in 2027 Lloyd Center Mall.
You can register for the classes 
Our next Credit Builder Orientations will be:

Tuesday, August 2nd, 5:30-6:30 pm
Friday, August 19th, 1-2 pm
Tuesday, August 23rd, 5:30-6:30 pm
All take place at our office, 2027 Lloyd Center.
Register here.

Interested in receiving or being a financial coach? 
Our next Financial Coaching Meet and Greets are Thursday, July 28th and Wednesday, August 31st. 

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Innovative Changes | 2027 Lloyd Center | Portland | OR | 97232