Help members understand how credit works, how to read their credit report, and how to use credit responsibly to improve financial health.

Take control of your finances with this practical mini course designed to teach you how to track your spending using a calendar-based budgeting system. Whether you're a busy professional or just starting your financial journey, you'll learn how to visually organize your expenses, anticipate upcoming costs, and align your spending with your income. By the end of the course, you'll have a personalized calendar budget that helps you stay on top of your money—without the overwhelm.

Learn what Total Debt Service Ratio (TDSR) is, why it matters, and how to calculate it. This mini course helps you assess your borrowing capacity and make smarter financial decisions. Includes a TDSR calculator, decision-making checklist, and real-world examples to apply your knowledge. Perfect for anyone planning a major purchase or financial move.