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Education & Resources
Importance of Financial Education
Regardless of your situation, financial education is a vital tool to help you reach your goals and objectives. Family Life Credit Services offers financial education on subjects ranging from basic budgeting to building and rebuilding your credit. We currently offer 4 different education courses: Money and Faith in Motion©, Money in Motion©, CreditWise, and Credit When Credit Is Due©. Everyone that enrolls in the Debt Management Program is required to complete either the Money in Motion© or Money and Faith in Motion© course, and we have seen dramatically increased success in completing the Debt Management Program for those that have taken the course. These courses are also available in online, workbook, or classroom format for those not enrolling in the Debt Management Program for a small fee. We offer the CreditWise program in area high schools, universities, and job service centers, and we also offer the Credit When Credit Is Due© program in area homeless shelters and halfway houses. We’ve recently begun offering monthly Brown-Bag Lunch Financial Education Webinars which are open to our clients and the public at no charge.
We also offer free First-Time Homebuyer Education workshops which utilize the Home Stretch Curriculum (developed by the Minnesota Homeownership Center). The program, offered monthly, is an eight-hour workshop held over two evenings, followed by a one-on-one Housing Counseling session with one of our certified homebuyer education counselors. For more information on Housing Counseling and Education, click here.
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We have a variety of educational opportunities available each month. Some events are scheduled several weeks in advance, while other events are scheduled a few days before they are conducted. Please check the calendar often to see if one of our financial education workshops or webinars fits your schedule. To enroll in a workshop, please call toll-free (800)747-9307. For those living in the Fargo-Moorhead area, call (701)237-9247. Some events are private and not open to the public. If you would like to schedule an educator to present a workshop at your location, please call (701)237-9247 ext. 101 or email. To register for any of the Brown-Bag Lunch Financial Education Webinars, click here.
Tools and Resources
- How to Find a Better Job
- Family Budgeting Guide
- Budget Worksheet
- Check Register Template
- Weekly Menu Planner Template
- KIDS & MONEY – Kids Chore Chart
- KIDS & MONEY – Kids Chore Chart Instructions
- KIDS & MONEY – Give ~ Save ~ Spend Labels
- KIDS & MONEY – Give ~ Save ~ Spend Instructions
- View financial calculatorsWe provide tools to estimate mortgage payments, education expenses, savings, and more
Terms and Definitions
We strive to be able to provide you with valuable tools and resources to help you on your journey to be a better steward of your finances. Please feel free to download any of our PDFs and take advantage of our helpful calculators. If there is a specific tool or resource you would like to see us provide, please let us know and we will do our best to make it available. Please contact us if you have any great ideas that could benefit others.
The Family Life Thrift Store is a ministry of Family Life Services, Inc. Family Life Services has been offering faith-based financial education, resources, and counseling in the Fargo-Moorhead area since 1986.
General Family Counseling – Click Here for a Christian Counseling Directory
Most communities have resources available to assist people during challenging times. Often times these resources may be difficult to locate unless you know where to look. Our counselors are equipped to track down resources you may need within your community. Call us and let our counselors link you up with the help or resources you may need.
Our budget counseling will assist you in your quest to have a balanced monthly budget. Our counselors will work extensively with you in order to pinpoint where your money is going each month and suggest ways to reduce expenses. We will help to set financial goals and provide a personal action plan focused on your family’s goals. Budget counseling can be as simple as determining when certain bills should be paid and as extensive as creating a personal pay-off plan. Counselors will provide recommended averages you should consider when setting up a family budget. To set up a Budget Counseling session call 1-800-747-9307.
Pre-Filing Bankruptcy Counseling
Prior to filing for personal bankruptcy, individuals are required to complete a pre-filing bankruptcy counseling session. This provision of federal bankruptcy law ensures that individuals understand all of their options and that they have the necessary knowledge and tools to develop a sound financial plan for the future. Family Life Services, Inc. has applied for approval* by the Executive Office for US Trustees (EOUST) to provide pre-filing bankruptcy counseling in North Dakota, South Dakota and Minnesota.
*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not indicate EOUST endorsement or assure the quality of agency’s services.
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