Click here for a complete, downloadable, printable copy of our current Community Workshop Schedule.

ClearPoint Credit Counseling Solutions (formerly ByDesign Financial Solutions) is home to one of the nation's best consumer education departments. We offer a variety of very affordable educational programs and materials to address the needs of people in different life stages:

• Budgeting - Where does your money go? Find out! Step one in budgeting is tracking your expenses; but there is a lot more involved in planning your financial future. In one hour, you can learn how to create a personal budget that can help you achieve short and long-term financial goals.
  
  
• The Wise Use of Credit - You know your numbers: Your age, Your shoe size, how much you weigh. But what about your credit score? These three numbers can have a big impact on how much you pay for a car or a home, or even what kind of job you can get. Learn how to manage credit wisely, and secure your financial future.
  
  
• Buying a Home - An investment in a house is probably the biggest you will ever make. Go into it with your eyes wide open. Learn the ins and outs of the home buying process, from getting a mortgage, to paying taxes, to budgeting for maintenance costs.
  
  
• Financial Firsts - for young adults encountering their first financial decisions.
  
  
• First-time Homebuyer - for potential homebuyers who want to learn more about the homebuying process, including guidance on how to shop for loans and secure down payment assistance.
  
  
• Alternatives to foreclosure - Designed to assist those who are having difficulty in making their mortgage payments understand the options that may be available to them.
  
  
• Alternatives to Foreclosure Webinar - to help homeowners know what steps to take if they find themselves behind on their mortgage payments.

ClearPoint (formerly ByDesign Financial Solutions) also offers customized workshops on personal finance topics to meet the specific needs of companies or organizations.