OnTrack provides financial education and classes for anyone living in WNC. Classes are offered through Zoom, in-person, and on-demand to meet people's schedules and locations. In-Person classes are provided at OnTrack WNC's Education Center at 50. S French Broad Ave at the United Way Building in downtown Asheville. Zoom classes are offered live and can be accessed by computer, tablet or phone. On-demand classes are pre-recorded and can be completed at your pace at any time.
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In-Person Classes at OnTrack
Money Visioning & Goal Setting: In this interactive class, participants will gain a variety of tools to put their growing money dreams into action. After participating in this class, participants will be able to build a SMART money goal, understand external factors that impact our personal finances, and identify habits that encourage financial wellness. Sign up
Homebuyer Education: Are you considering buying your first home? Are you participating in a special homebuyer program that requires a homebuyer education certificate? This in-person class provides a generous overview of the homebuyer process. We will review topics such as managing finances and credit for a home purchase, understanding mortgages and loans, knowledge of the various professionals involved in the purchase, resources for maintaining and preserving the home, and homebuyer rights and responsibilities.This class meets in-person at OnTrack WNC, with free parking available on-site. Cost: $75 (covers registration, snacks, and materials). Pre-registration is required. Sign up now.
Live, Interactive Online Classes
Hurricane Helene Recovery with Q&A - Navigating the personal finance challenges of Hurricane Helene is hard. Are you confused about all of the different disaster programs like FEMA, SBA and DUA? Are you trying to figure out how to stabilize your income, protect your credit, make your debt payments, or pay to repair hurricane damage? This class will give an overview of disaster recovery resources and financial best practices and leave plenty of time for your questions. This class is available on Thursdays at 4:30p in November and December. Sign up now.
Money Visioning & Goal Setting - In this interactive class, participants will gain a variety of tools to put their growing money dreams into action. After participating in this class, participants will be able to build a SMART money goal, understand external factors that impact our personal finances, and identify habits that encourage financial wellness. Sign up now.
Maneje Su Dinero – En esta clase interactiva, los participantes obtendrán una variedad de herramientas para poner en acción sus sueños con el de dinero. Después de participar en esta clase, los participantes podrán construir una meta de dinero SMART, entender los factores externos que afectan a nuestras finanzas personales, e identificar los hábitos que fomenten el bienestar financiero. ¡Inscríbete ya!
Self-Paced, On-Demand Classes
Start and stop these courses as needed for your schedule. They are available online, anywhere, at any time.
Money Foundations - During this self-paced, on-demand class, you will be introduced to the foundations of basic money management that will help to change your understanding of your personal financial life. This class will teach you how to:
- Create a realistic monthly budget.
- Save money regularly to pay for budget-busting expenses that always pop up (like getting new tires) and bigger savings goals like a family vacation.
- Build a personalized two-month emergency cash flow plan to make sure that you have the money on hand to pay your expenses and bills when they are due.
- Survive when you don’t have enough money to cover expenses by following six important steps. Sign up now.
Credit: How to Build and Repair Your Credit Score - During this pre-recorded class, you will find out what credit is and why it’s important, gain understanding about what affects your credit score, and learn of methods to build and repair your credit score. Sign up now.
Homebuyer Education - An online class through eHome America. This in-depth class explores the process of buying a home, from the early planning stages through closing. You will learn about the roles that the realtor, lender, inspector, and closing attorney play in the process. The course takes an average of 8 hours to complete but you can stop and start as you wish. $100 per household. Sign up now.
Homebuyer Education - WNC Local Supplement - Learn about various steps in the Homebuying process from our expert guest speakers including Lenders, a Home Inspector, a Real Estate Attorney, and a Down Payment Assistance Specialist! This on-demand class takes about an hour and a half to complete. Sign up now.
Debt Payment During Uncertain Times - Financial uncertainty calls for a new approach to managing money and debts. In this pre-recorded class, we discuss how to use different debt repayment strategies when money is tight. We’ll look at hardship options for different types of debt (such as how to handle your car loan versus your credit card debt) and how to prioritize which debts to pay. Sign up now.
