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’s Request 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 2 A 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 a Spending 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 The Ranch, Loveland CO January Eagle County Building, Eagle, CO January Centre Point Building, Aurora, CO January 27-28Gary DeSoto Building, Sterling, CO February 4-5Pueblo Zoo, Pueblo, CO February 9-10LaPlata County Fairgrounds, Durango, CO February 16-17Mesa County Fairgrounds, Grand Junction, CO

Registration Registration will be done through Colorado State University Extension Registration fee: First person from an agency office: $200 Additional 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