Financial Education and Coaching

Individuals and families receive the tools needed to gain financial control of their future.

Financial Education occurs through free workshops covering budgeting, banking, how credit works, credit reviews, and preparing for major purchases. During one on one coaching sessions, individuals develop a personal budget, learn money management techniques, take steps to improve credit and receive help to establish checking or savings accounts.

MONEY TALK - a two-hour workshop covering budgeting, how credit works, credit review, predatory lending, and more. Individuals who attend the Financial Education Workshops will gain knowledge on money management techniques, the importance of credit, and ‘scams’ to watch out for

BUDGET 101 - a two-hour workshop covering common consumer scams and predatory lending practices to protect Northern Kentucky residents.

FINANCIAL COACHING - one-on-one sessions to develop personal financial goals, money management techniques, improve/establish credit, and help establishing checking or savings accounts. The creation of an action plan and holding the individual accountable are important components of coaching. Individuals participating in the coaching sessions will be able to assess their financial situation, know where their money is going, improve their credit score, and learn ways to save for a “rainy day” or select other personal financial goals

$99: eHome America Money Management Online Course -  https://www.ehomeamerica.org/brightoncenter

Why We Do It

According to the 2026 Financial Literacy Survey by U.S. News & World Report, consumers' self-reported confidence in their financial knowledge remains high while foundational financial literacy has declined. This highlights a critical need for financial education to help U.S. consumers build a more secure financial future and navigate an increasingly complex economic landscape.

When asked if they considered themslves knowledgeable when it comes to personal finances -- such as savings, budgeting, and managing credit -- 51% of respondents say they consider themslves "very" knowledgeable and about 46% say they are "somewhat" knowledgeable.

Of the 51% who say they are "very knowledgeable" about personal finances:

• Almost 60% say carrying a balance boosts your credit score (it does not).
• About 44% don't know the difference between a credit score and a credit report.
• About 43% say a credit score and report might combine with a partner's after marriage.
• About 59% of respondents don't know FICO scores are what lenders look at to determine creditworthiness.

Eligibility Criteria

To schedule an appointment to meet with a Financial Coach, please contact the Financial Wellness Team at (859) 491-8303 ext. 2314 or infoFW@brightoncenter.com.  At the initial appointment, individuals will need to bring copies of

• all monthly bills in the individual’s name
• verification of monthly income
• copy of a credit report if recently pulled

Local high schools interested in financial education should contact the Financial Wellness team at (859) 491-8303 ext. 2314 or infoFW@brightoncenter.com.