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Spring workshop goal: Jump-starting family finances by $500 per month

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It's an unusual site for a course...but Capital Region residents who come to the Point Cafe in Schenectady in April will get a great meal (at very reasonable prices), expert advice on money matters, and information to save a lot of money on their monthly bills.

As Rep. Paul Tonko said recently, the recovery from the Great Recession is slow, too slow for Capital Region families. Jump-starting your family finances is essential. Here is the lineup of topics throughout April

April Workshops: Earn More, Cut Spending, Get Properly, Protected, Save More

  • Wednesday April 9, Give Yourself a Pay Raise. Immediately. What would you do if you found out you were overspending “the monthlys?” Monthly expenses can severely inflate the average family’s budget. There are areas where many families are overspending, such as taxes, insurance, communications and utilities. In our busy world, a few extra dollars here and there can easily go unnoticed … but these higher expenses add up over time. If we knew how to save and redirect the same money towards our future, it could make a big difference. Begins 6:00 pm. Encore presentation: Saturday, April 12.
  • Wednesday, April 16. Life Insurance: Avoiding the Traps. Whats is life insurance? Why is its purpose? What are the scams? What do you have? Is there money in your policy that you need to get before the company takes it? New York State the federal government have enacted consumer protection laws that must be understood. Begins 6:00 pm. Encore presentation: Saturday, April 26.
  • Wednesday, April 23. Debt Solutions. Do you know somebody with a debt problem? Staggering student loans ... credit card debt ... tax debt? Is that person you? We've got solutions to a problem that can stress you out today, and muddle your future. Begins 6:00 pm. Encore presentation: Saturday, April 19.
  • Wednesday, April 30. Savings and Retirement: Planning. Do you have an emergency fund? Saving enough for today and for retirement? Where is the best place to put your money? What's the difference between being an owner and a loaner? Learn the critical Rule of 72. Begins 6:00 pm. Encore presentation: Saturday, May 3.

The Point Cafe offers great, reasonably-priced Mexican-American food. Come for a light meal, coffee and dessert, or whatever you choose. And walk home with life-changing information for you and your family.

Dave Balog teaches financial information for Capital Region families. dbalog99@gmail.com. (518) 952-1257.

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