Mission Statement To provide information and education, and encourage the application of research-based knowledge in response to local, state, and national.

Mission Statement

To provide information and education, and encourage the application of research-based

knowledge in response to local, state, and national issues

affecting individuals, youth, families, agricultural enterprises,

and communities of Colorado.

Extension in Colorado

•statewide programs •research-based information•non-credit, informal education•addressing economic, environmental, health and societal issues

Focus Areas

• Strong Families, Healthy Homes

• Nutrition, Health, and Food Safety

• 4-H and Youth Development

• Sustainable Community Development

• Natural Resources and the Environment

• Competitive & Sustainable Agricultural Systems

Energy Outreach Colorado’sRequest of CSU Extension

Provide training for agency personnel to

assist and educate their clientele in money

management matters.

CSU Extension Response

• Using the Dollar Works 2 curriculum, conduct train-the-trainer workshops in multiple locations in the state

• Collect evaluation data to measure program effectiveness

Question:

What are you seeing with your clients related to their needs for improved money management skills?

Dollar Works 2A Personal Financial Education Program

Introduction

Purpose:

To strengthen people’s skills at managing their personal finances and taking control of their financial decision making

Pre and Post Assessment

Dollar Works 2

Five Major Concept Areas:• Making Money Decisions (Units 1,2)• Building Money Management Skills (Units 3,4,5)• Managing Income & Bank Accounts (Units 6,7)• Understanding Credit & Debt (Units 8,9)• Targeting Money Issues (Units 10,11,12)

Action Pages

• Each teaching topic has a related action page

• Action pages are a “hands on” learning tool, similar to a handout or worksheet

• Each action page includes subject matter content or lets the learner practice what is being taught

Unit 1 – Connecting Culture and Financial Resources

To help the instructor understand that

learners may have different life situations and communication styles and to develop skills for working with

people of various cultures

Unit 2 – Making Decisions About Money

To help learners identify money goals that reflect their values and to

develop skills in making decisions and talking about money

Unit 3 – Making aSpending Plan

To help the learner make a plan

for spending for one month

Unit 4 – Managing a Spending Plan

To teach skills for managing a spending plan

Unit 5 – Saving and Investing

To help the learner understand the importance of saving for emergencies

and for future goals

Unit 6 – Understanding a Pay Statement and Taxes

To teach learners how to read their pay statement and understand how the decisions they make when they are

hired will affect take home pay

Unit 7 – Using a Bank Account

To teach the learner how to keep track of their income and expenses by

using a bank or credit union account

Unit 8 – Using Credit Wisely

To teach the learner how to access credit, determine how much credit is affordable, and manage credit use

Unit 9 – Managing Debt

To help the learner develop

a plan to pay off debt

Unit 10 – Managing Risk with Insurance

To teach the learner the basic principles of insurance

Unit 11 – Solving Consumer Problems

To teach skills for solving

consumer problems

Unit 12 – Teaching Children About Money

To help the learner teach

money skills to children

by example and experience

Feedback and Evaluation

To measure behavior change

caused by exposure to information

Feedback and Evaluation

Anticipated Outcomes• Immediate: Knowledge gained

Skills developed

• Intermediate: Sense of efficacy –

“I think I can…….”

Key behavior changes

Appendix

• Selected Internet Financial Education Resources in Spanish

• Selected Internet Financial Education Resources in Selected Languages

• Bibliography

Dollar Works 2 Trainings

• January 20-21 The Ranch, Loveland CO• January 26-27 Eagle County Building, Eagle, CO• January 26-27 Centre Point Building, Aurora, CO• January 27-28 Gary DeSoto Building, Sterling, CO• February 4-5 Pueblo Zoo, Pueblo, CO• February 9-10 LaPlata County Fairgrounds, Durango, CO• February 16-17 Mesa County Fairgrounds, Grand Junction, CO

Registration

• Registration will be done through Colorado State University Extension

• Registration fee:First person from an agency office: $200Additional person(s) from same agency office: $85

Register on-line at:

Blacktie-Colorado.com

Between October 15 & December 15, 2009

Expectations

• Train the trainer recipients will use Dollar Works2 in 1:1 or group settings with their clients

• Train the trainer recipients will complete and send evaluations to Extension for inclusion in statewide database

Benefits of Dollar Works2 Training

• Multiple agencies will use similar language and methods when working with clientele

• Clientele will gain money management knowledge, skills, and encouragement to become more self sufficient

• Statewide evaluation will show the difference being made

• Partnerships with Extension and local agencies will increase