February EFAP News: Assessing Financial Stability
Improving Your Credit Score
Thursday, February 23rd
This session will help you understand the importance of your credit score and suggest changes that will help you achieve good credit standing. We will explain how the FICO system works, what affects your credit score, and how you can use this information to improve it.
REGISTER TODAY! Space is limited.
Click on the time you would like to attend above. Or log on to www.HelloE4.com with your username and password. Click on “UPCOMING WEBINARS” on the homepage and follow the easy instructions
Are You and Your Partner on the Same Page Financially?
Disagreements about money and finances are some of the leading problems facing families today. Below are a few tips that will help to improve communications and money management as you and your spouse or partner engage in a financial check-up.
Develop a household budget together. This is perhaps the hardest thing for individuals or couples to do. It is very useful to sit down to review the expenses that you anticipate for the coming years and set spending priorities for either yourself or for the family.
Reach an agreement on areas to cut back. Develop short- and long-term plans to reduce spending on a few types of expenses. This will lead to a sense of cooperation and teamwork. Setting a few reasonable goals can help create hope and a sense of control whether you live with others or live alone.
Have a rule about big expenses. All decisions to spend over a certain dollar amount should be discussed ahead of time. Seeing yourselves as financial partners will enhance trust and intimacy.
Don’t cover-up financial problems. As difficult as it is to admit that there is a money problem, putting off the discussion will only lead to more serious problems. One of the benefits of sharing challenges with trusted friends or family members is to share the responsibility of solving the problem. Remaining silent will only lead to greater mistrust later.
Attend the webinar. This month be sure to register and attend the webinar, “Improving Your Credit Score.” Get practical information on managing credit issues and how to improve it. A full description and registration information is listed in the sidebar to the right. If you’re unable to attend at any of the times, log on to the website at a later time to view the archived presentation.
Unable to make it to the scheduled webinars?
We have them archived for your convenience. Log onto the website and click on E4 University at the bottom of the home page, then click on Webinars to search by webinar title.
PDF files of the monthly newsletter and posters will be available for download
on the 1st of the month by logging onto the website and clicking on
“Monthly Bulletins” on the home page.
e4health administers the College’s EFAP program. To access their comprehensive web site, with many tools and articles, go to the e4health web site.
Username: middlebury college
Or call them at: 800-828-6025
(phones are answered 24 hours a day, 7 days a week)