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5 Fall Savings Tips

October 21st, 2014

Fall image

Most Americans spend 30-40% more than they intended to spend during the Holidays, and spend the first six months of the New Year paying off debt. Here’s some great tips to consider from our Financial Fitness team to have a stress-free holiday season…

1. Plan ahead.

Set up a holiday savings and spending plan and stick to it! Get the Holiday Savings & Spending plan

Experts recommend trying to spending less than 1.5% of your income on the holidays*. So for example, if you make $40,000 a year, it is suggested to save about $600 for the holidays. Whether you spend more of less than this amount, deciding early how much you want to spend is always a good idea to avoid overspending and stress.

*Source: Practical Money Skills

2. Budget your time (and money).

Compare prices and give yourself enough time to shop around for the best deals. Sometimes it’s the last-minute gifts that can send us over our spending limits. Shopping early will usually help you get the best deals and give you enough time to find coupons or sales for the item. Here’s some helpful website and apps that can help you save more money:

  • Coupon Mom: CouponMom (not just for moms!) is a website that provides weekly shopping advice to you and more than 3 million members and shows you how to combine coupons, loyalty programs and weekly sales in your area to maximize your savings.
  • Retailmenot.com: Get online coupon codes that can help you get free shipping or big discounts on your next online purchase.
  • GasBuddy.com: When you’re shopping around or traveling, it’s important to find the best places to fill up in your area.  Also check out their fuel-saving tips, maps, and pricing info! Available as a mobile phone app.
  • The Coupons App (iPhone, Android)
  • CouponSherpa (iPhone, Android)
  • GeoQpons (iPhone, Android, Blackberry)

3. Get creative.

Consider a gift exchange with family and friends or a potluck to share on costs. You can even try making your own gifts this year. Pinterest is full of great homemade, DIY gift tutorials. Check out our Pinterest page for a few ideas!

4. Pay in full or pay it off.

The holidays are a time of giving and it can be very easy to overspend. Use your Savings & Spending plan to decide what you can afford to spend and try to pay it in full or in “cash” whenever possible. If using your credit card during the holidays, try to pay the credit bill in full or you may be dealing with debt in the new year.

5. Stick to the plan.

Think about your financial goals – are you hoping to one day buy your first home or are you trying to save for college? Don’t let unexpected costs creep up and hinder your savings goals. Remember that it’s really the time you share with family and friends during the holidays that means the most – not the gifts or parties.

Interested in learning more savings and financial tips? Consider taking CHW’s Financial Fitness class. Or if you’re ready to take the next step toward your financial goals, learn more about our coaching program. 

Happy Homebuyer Hour

October 21st, 2014

Waypoint

IS A HOME IN YOUR FUTURE?

Learn about CHW’s one-stop homebuying shop at our Happy Homebuyer Hour at Waypoint Public! Appetizers and first drink on us. Please RSVP below.

Happy Homebuyer Hour

HappyhomebuyerhourAre you thinking about buying a home but wondering how to get started? CHW is a one-stop-shop for homebuying, providing classes, realty and lending services to help you reach your homeownership goal. Join CHW and our homebuying experts on Monday, November 3rd from 6-7 PM at Waypoint Public in North Park to learn more about how to buy your first home. Appetizers and first drinks are on us! 

Invest in your future and your community. As a nonprofit organization, we reinvest into community programs like afterschool tutoringfinancial literacy, and neighborhood revitalization. So when you work with us, you're also making a difference in your community.

View event flyer

Date: 11/03/2014

Address:
Waypoint Public
3794 30th Street
San Diego, CA
92104
Map and Directions

Start Time: 6:00 pm
End Time: 7:00 pm

Click here to see if you are eligible for a discount

Free Event

View the flyer or share it with friends!

Taller Introduccion a la Compra de Casa

September 30th, 2014

Monday October 13, 2014 – Monday October 13, 2014

4352 Delta St.

View MapMap and Directions | Register

Description:

Taller GRATUITO! Ven aprender los primeros pasos a la compra de una casa. Algunos temas del taller son: el proceso de comprar una casa, como estar listo/a para obtener una hipoteca, y programas de prestamos disponibles. El taller es de 1 hora y es una introducción al taller para Compradores de Casa de 8 horas que también ofrecemos.

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Categories: Classes & Coaching

Taller: ¿Cómo Financiar tu Casa?

September 3rd, 2014

Thursday November 20, 2014 – Thursday November 20, 2014

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Description:

¡Gratis! Este taller informativo te enseñara los pasos necesarios para ser pre-calificado para un préstamo hipotecario.  Nuestros prestamistas te pueden ayudar a determinar tu capacidad financiera de comprar y obtener tu próxima casa.

La Cuidad de Chula Vista
Edificio C-Public Services North
276 Fourth Ave
Chula Vista, CA 91910
Las salas B-111 y B-112

Estancionamiento disponible entre las calles Fig y Davidson

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Credit Workshop San Diego

September 2nd, 2014

Monday November 10, 2014 – Monday November 10, 2014

4010 Fairmont Avenue

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Description:

FREE! Come and receive more information on FICO scores, how to establish credit, what is in a credit report, understanding credit card terms and conditions, and more credit tips.

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Categories: Classes & Coaching

Financial Fitness Vista

August 5th, 2014

Wednesday December 3, 2014 – Thursday December 4, 2014

200 Michigan Ave

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Description:

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Introducing E-asy Account

July 21st, 2014

Group shot cropped

Thanks to Citi Community Development’s support of a $200,000 grant, CHW is now able to introduce a smart new technology solution for our financial coaching program: E-asy Account.

Easy account diagram

E-asy Account is a virtual bridge connecting consumer financial information aggregated by Mint.com with the data tracking systems used by financial experts at participating nonprofit organizations. This helps eliminate the paper chase and streamline data collection for nonprofits.

With the sophisticated tools of Mint.com plus the one-on-one support of a financial expert, E-asy Account users set realistic financial goals and stay motivated towards achieving them. Nonprofit providers will also see staff productivity rise, saving thousands of staff hours yearly and allowing them to help more people.

Thank you, Citi Community Development, for your support!

Introduction to Homebuying Workshop Poway

May 27th, 2014

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Monday September 29, 2014 – Monday September 29, 2014

13414 Community Road

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Description:

FREE!!! Come learn about the first steps to buying a home. Some topics covered: shopping for a home, what is needed before applying for a loan, making an offer, and additional resources will be available. This is an introduction to the 8 hour homebuyer’s class.

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Categories: Classes & Coaching

Credit Building Workshop San Diego

May 27th, 2014

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Wednesday June 11, 2014 – Wednesday June 11, 2014

4010 Fairmount Ave

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Description:

FREE

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Categories: Classes & Coaching

Homebuyer Class San Diego

May 14th, 2014

Monday December 15, 2014 – Tuesday December 16, 2014

4010 Fairmount Ave

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Description:

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