Financial Consulting

Mastering the Basics

Understanding budgeting principles and financial skills will empower you to make informed decisions about your money. Our classes provide you with the knowledge and tools to confidently manage your finances.

Budgeting 101

Need help getting down the everyday basics? Unlock Your Financial Potential with Budgeting 101 Classes! Our Budgeting 101 classes are designed to empower you with the essential skills and knowledge needed to master your personal finances.

Key Takeaways:

•  Understand Your Money: Say goodbye to financial confusion! In our Budgeting 101 classes, you’ll learn how to identify and track your income and expenses. Discover the different sources of income and gain insights into managing various expenses, from rent to discretionary spending. Understanding your money is the first step towards financial freedom.
• Create a Budget That Works for You: Our classes will guide you in creating a personalized budget that sets realistic spending limits for different categories. You’ll learn how to allocate funds for emergencies and unexpected expenses, ensuring you’re always prepared for life’s surprises.
• Conquer Debt: Tired of being weighed down by debt? Our Budgeting 101 classes will equip you with strategies to effectively manage and reduce your debt. Learn how to tackle credit card debt, student loans, and other outstanding balances.
• Set Goals and Achieve Financial Success: Dreaming of owning a home, retiring comfortably, or funding your education? Our Budgeting 101 classes will teach you how to set realistic financial goals and develop a step-by-step plan to achieve them. Plus, learn about our housing counseling services Xiente has to offer!
• Make Informed Financial Decisions: Gain the confidence to make smart financial choices. Our classes will empower you with the skills to evaluate options, compare prices, and understand interest rates. You’ll learn to prioritize spending, align your choices with your values, and make decisions that propel you towards your financial objectives.

Credit 101

Your gateway to mastering the world of credit. Our Credit 101 classes are designed to demystify the credit landscape and equip you with the knowledge and tools to navigate it with confidence.

Key Takeaways:

• The Three C’s of Credit: The three C’s of credit: Character, Capacity, and Collateral. You’ll learn how lenders evaluate your creditworthiness based on these factors, empowering you to make informed decisions and take control of your financial future.
• The Importance of Credit: Credit plays a vital role in our lives, influencing our ability to secure loans, rent an apartment, or even land a dream job. Our classes will shed light on why credit matters and how it impacts various aspects of your financial life.
• Credit Tips for Those in Debt: If you’re struggling with debt, We’ll provide you with practical tips and strategies to manage your debt effectively. From creating a repayment plan to negotiating with creditors, you’ll gain the tools to regain control of your financial situation and pave the way to a debt-free future.
• Understanding Your Credit Profile: Your credit profile is a window into your financial history. In our classes, you’ll learn how to access and interpret your credit report, understand credit scores, and identify areas for improvement.
• Basic Budgeting and Financial Skills: Credit and budgeting go hand in hand. Our Credit 101 classes emphasize the importance of having a solid foundation in basic budgeting and financial skills.

Don’t let credit be a mystery or a source of stress in your life

Financial Literacy

Our Financial Literacy classes are designed to empower you with the knowledge and skills needed to make informed financial decisions and achieve your goals. Let’s explore why you should sign up for our classes and the importance of having basic budgeting and financial skills:

Key Takeaways:

Key Takeaways from Our Financial Literacy Classes:

• Unlock Your Financial Potential: By gaining knowledge and skills in financial literacy, you’ll have the tools to manage your money effectively and make informed decisions that lead to a secure and prosperous future.
• Meet You Where You Are: Whether you’re a beginner or looking to enhance your existing knowledge, our comprehensive curriculum covers all the essential topics you need to succeed.
• Comprehensive Curriculum: Our classes cover a wide range of topics, including budgeting, saving, understanding credit, and investing. By mastering these fundamental skills, you’ll be equipped to make sound financial decisions, avoid debt, and work towards your financial goals.
• Building Blocks of Financial Success: Basic budgeting and financial skills are the building blocks of financial success. Our classes emphasize the importance of developing these skills as they lay the groundwork for effective money management and provide a solid foundation for your financial well-being.
• Invest in Your Future: You’ll gain the knowledge and confidence to make informed financial decisions, set achievable goals, and build a solid financial foundation that can lead to buying a home, starting a business, or retiring comfortably.