A New Horizon® is a nonprofit national organization specializing in helping people to get out of debt without a loan. We are committed in helping people to resolve past financial mistakes, manage current responsibilities and avoid future financial problems. Our goal is to assist individuals and families through their financial situation and solve money management problems through education, motivation and professional counseling. A New Horizon is dedicated to empowering consumers through educational programs that will influence them to refrain from overspending and abusing credit cards as well as to encourage them to save and invest. We sponsor free seminars that are available to any company, organization or group that requests our educational services Seminars include the following topics: Budgeting Solving Credit Problems Money Management Tips Understanding Credit Reports Identifying Affordable Levels of Debt Re-establishing Credit We can customize seminars to best meet the needs of our audience. Schedule a seminar today for you employees by calling A New Horizon at (800) 556-1548 or contact Community Outreach by e-mail at communityoutreach@anewhorizon.org A New Horizon also offers information tables with free financial educational resources at job fairs, health fairs, etc. A New Horizon will also provide free newsletter content on a variety of financial topics. top of page Money Management 101 Develop wise financial habits for life. Learn what is credit, types of credit, wise use of credit, responsible spending and how to develop a budget so that you may reach your financial goals in life! Learn money tips from the frugal college student and more. Specifically designed for high school students! Budgeting 101: A Money Guide for Getting Through College Poor budgeting can be a major problem for college students. In addition, students across college campuses are being enticed by credit card companies offering freebies in exchange for filling out an application for credit. Here are the facts you need to be a wise credit consumer and give you the tools to use credit to your advantage. Plus discover ways to save money in college! The Budget Analyzer This course will give you the money management tips and tools you will need to be prepared to make wise financial decisions. Learn to set realistic goals as well as establish and implement a financial plan to accomplish your objectives. Take care of your financial future and to create a budget that works for you! What to do When You've Lost Your Job This financial survival guide is a must for anyone who suffers the loss of job during these challenging economic times. This course will provide you with the budgeting tools to survive financially. Learn how to avoid credit card traps and warning signs of credit card trouble. Learn budgeting techniques and how to maintain good credit! Credit Literacy: Everything You Need to Know About Credit Learn about credit, credit reports, how to build better credit and reestablish credit. Plus credit warning signs, credit card traps, what bankruptcy really means and more. This course will show you how to be a wise credit consumer! Love, Money and Marriage First comes love, second comes marriage, and then comes money. Unfortunately, many new married couples start their new lives together strapped with debt. Some bring their personal debts with them to the marriage, others start racking up credit card bills as they plan their wedding and honeymoon. Take the love and money quiz. Learn how to marry hearts and finances! Holiday Tips: How Not to Pay for the Holidays all Year Long Are you that one in six who plans and saves for the holidays? Or do you find yourself in January and February with a "credit card hangover" facing a stack of bills from holiday shopping? Resolve that this year you aren't going to let the spending get out of hand! Plus take the *Holiday Gift Challenge!* The Money Game Learn real life financial planning. This interactive presentation demonstrates how everyday financial decisions can impact your financial future. This course will teach you the basics of budgeting and how to develop a financial plan for a healthy future!A New Horizon Credit Counseling Services, Inc., is dedicated to empowering consumers to be "credit smart" through education and knowledge. We offer professional counseling and free seminars. Financial Literacy for High School Students A course designed to teach students to focus on the long term benefits of saving instead of the short term thrill of spending in real terms that students can relate to. This course also teaches the basics of investing, how to guarantee your investments and such pertinent issues such as whether to buy, lease or finance a car. Taught at the Honors Level as well as at centers for at-risk youth, the curriculum received the review and approval of the Broward County Public Schools Superintendent’s Screening Committee and also emphasizes the real benefits of staying in school and avoiding crime and substance abuse. Financial Literacy for Adults A course designed to teach single parents and all adults how to save for their families, focus on the long term benefits of saving, recognize the need to save and invest and how to do so safely and effectively. Also included are sections on the purpose and good uses of credit, how to save on major expenses and the need for an emergency fund. The course is designed to be highly informative and motivational.. Your Guide to Homeownership Homeownership is financially responsible and sets you on a proper financial course. Still, homeownership can be a task, even for the experienced buyer. This seminar will teach prospective buyers the basics of buying a home from the importance of inspections and comparable checks to how to understand a mortgage estimate. More detailed Homebuyer Certification Classes are available for interested groups. Foreclosure Prevention Classes Foreclosures have recently become a growing problem throughout the nation. A New Horizon has undertaken several initiatives to combat this trend and prevent many foreclosures from taking place. One of these is our Saving Homes seminar which provides step by step details on what to do if facing foreclosure as well as a listing of resources available for assistance. Checking Accounts This seminar covers the basics of checking accounts from bank fees and the need to shop around to new interest bearing checking. Aside from learning the importance of balancing a checkbook and how to avoid overdraft, the seminar also emphasizes the need to safeguard personal information, such as one’s PIN, and to shop around for the best rates and to avoid fees. Military Transitioning from military to civilian life can be daunting and emotionally challenging. Veterans, all of whom have served heroically, deserve guidance and assistance during this transition. This seminar provides an overview of what’s needed to make this transition to civilian life, including how job skills learned in the military translate into civilian life and a reintroduction to standard household budgeting. Veterans are encouraged to take advantage of A New Horizon’s additional one on one counseling that provides advice in an attempt to solve personal financial issues. Alerts of Predatory Activity Against Senior Citizens Our senior citizens are the likely victims of predatory schemes. A New Horizon has decided to do something about it with outreach seminars at senior communities. Seminars include needed information to protect one’s identity and credit, as well as how to tell legitimate businesses from unsavory schemes. Responsible Gaming Gambling can be a passive form of entertainment or a reckless obsession. A New Horizon provides seminars aimed at changing behaviors and presenting the risks of reckless behavior against the benefits of stability in real and practical terms. This seminar is highly motivational and is followed up with individualized counseling. Business Debt Many businesses suffer losses or even bankruptcy due to inability to collect on past due receivables. This seminar teaches business owners effective and innovative ways of addressing this issue while maintaining customer relations, even turning a late paying customer into a valued one. Graduating College Entering the “real world” can be extremely challenging for graduating students who often lack knowledge of budgeting or how to manage finances. Many students find themselves needing to pay rent, purchase food and have money left over for transportation for the first time ever, right at the same time as student loans start coming due. This course prepares graduating students for all of these scenarios, providing them a step by step guide of what to expect and what to do about it. With more and more students incurring credit card debt because of lack of financial know how and more and more young adults moving back in with their parents, A New Horizon has developed this important course to tackle these issues head on. top of page