Smart Money Series

(West Des Moines Library)

  • Setting Goals

    Discover how your mindset and personal money story shape your financial future. In this engaging, 60-minute class, you'll learn how to set and achieve meaningful financial goals using Freddie Mac’s proven CreditSmart® framework. We'll explore how to reframe limiting beliefs, create SMART goals, and follow the D.O.N.E. method to take actionable steps toward financial empowerment. Whether you're just starting out or looking to refocus, this class will help you turn your intentions into impact.

  • Build a Healthier Financial Future

    Take control of your financial journey with Set Goals to Guide, a one-hour interactive workshop designed to help you create a plan that fits your life. You'll learn how your mindset and personal "money story" influence your habits — and how to reshape those beliefs to set and achieve short-, medium-, and long-term goals. Through real-life examples and hands-on activities, you’ll discover practical strategies for budgeting, saving, reducing debt, and preparing for big financial milestones like homeownership. Whether you’re just starting out or looking to get back on track, this class will help you make your goals happen — one step at a time.

  • Earn, Then Spend Smart

    In this empowering financial literacy workshop, you'll learn how to take charge of your income, spending, and savings like never before. From understanding your paycheck and calculating discretionary income to building a spending plan that actually works, this class teaches real-world strategies for managing money with purpose. You’ll also explore the pros and cons of banking options, avoid costly financial traps, and learn how to set smart goals that align with your lifestyle. Whether you're working toward paying off debt, building savings, or preparing for a major purchase, this class will give you the tools to spend with intention and build financial confidence..

  • Plan to Save

    Saving money doesn’t have to feel impossible — and this workshop will show you how. Plan to Save is a practical, hands-on class that helps you build a savings mindset, set clear goals, and create a realistic plan to reach them. You'll learn how to cut spending without sacrificing your lifestyle, prepare for major life events like renting a home or buying a car, and understand your rights as a renter. Whether you’re saving for an emergency fund, your first car, or your future home, this session will give you the tools to take action with confidence.

  • Be a Savvy Borrower

    Take control of your financial future with confidence. Be a Savvy Borrower is a powerful workshop designed to help you manage debt wisely, build and protect your credit, and make smart decisions when borrowing money. Learn how to understand your credit report, improve your credit score, choose the right loan, and navigate student debt. Whether you're preparing to buy a home, pay for education, or simply want to take charge of your financial wellness, this class gives you the tools to borrow smarter and achieve long-term success.

  • Prepare and Protect

    Life happens — and being financially prepared makes all the difference. Prepare & Protect is a practical, eye-opening workshop that teaches you how to guard against scams, avoid predatory lending, protect your identity, and plan for emergencies. You'll also learn the essentials of insurance, estate planning, and how to prepare financially for homeownership and retirement. Whether you're building your emergency fund or making long-term plans, this class equips you with the knowledge and tools to protect what matters most.