1. Mantra: Cash Flow Is Queen

2. Single mothers have the opportunity to: Learn what their options are Start adjusting their finances Walk away with a financial plan and the tools to establish a spending plan and a more secure financial future Take small, actionable steps towards financial stability Have access to personal financial coach for a year Connect with others in the same boat

3. Three Core Components: Terrific trainer Year long financial coaching Easy to use money management system. Also includes dinner and childcare MANTRA: Cash Flow is Queen

4. 2009: FINRA Foundation grant to United Way of the Midlands to replicate successful workplace financial education program with single mothers. 2010: Program relocated to Creighton University---36 women graduate 2011: 56 women graduate/Medical study starts 2012: 55 graduates 60 women on the wait list Expanding to Council Bluffs in September Recruitment based solely on word of mouth—FSP has not advertised since July 2010

5. Ability to enroll in our local utilities Level Payment Plans Planning for best use of EITC/tax refund Credit Repair Debt reduction planning Ongoing Monthly Graduate meetings---education, support, and accountability Debt consolidation loans Access to good used computers at a low cost

6. 87% graduation rate 71% have attended/graduated from college 53% are African-America, 35% Caucasian, and 13% Hispanic 49% live in North Omaha, the most impoverished section of Omaha, NE 45% makes less than $20,000/year 75% of those who enrolled in the level payment plan are still on it The average student is age 30 Average income-$24,000

7. Personal calls Emails – cashflowisqueen@yahoo.com Text Monthly Newsletters FaceBook - CashFlow IsQueen Twitter - @QueenCashFlow Monthly meetings One on One meetings with their coach

8. Email: cashflowisqueen@yahoo.com Facebook: CashFlow IsQueen Twitter: #queencashflow Julie Kalkowski, Director, Financial Hope Collaborative JulieKalkowski@Creighton.edu (402) 280-3792 Tina L. Gray, Program Director, Financial Success Program TinaGray@Creighton.edu (402) 280-3694