CreditSmart® and CreditSmart® Español



Sample Lesson Plan Four Hours

Foreclosure Avoidance

CreditSmart® and CreditSmart® Español

|Time |Topic (Presentation of Activity) |Materials/Tools |Reference |Objective(s) |

|7:00 – 8:00 a.m. |Pre-Session Preparation |Post-It notes, highlighters, |Refer to Workshop |Set up training room prior to |

|(60 minutes) |Set up for class |pens, pencils, large and |Checklist. |participants’ arrival. |

| |All flipcharts for the morning |small index cards, | |Instructor should arrive about 1 |

| |session should be prepared in |calculators | |one hour ahead of schedule. |

| |advance and should be up on the |Manuals, name tags | |Early arrival allows |

| |wall. |Dots and name tent cards | |trainerinstructor enough time to |

| |TrainerInstructor may enlist early |Name tent cards, markers | |check all equipment and make |

| |arrivals to assist with set-up; | | |necessary adjustments. |

| |which provides opportunity to get |Set up for breakfast at least| | |

| |to know some of the participants. |one-half to one hour prior to| | |

| | |participants’ arrival. | | |

| |Set up for class. | | | |

| |As participants arrive, give each | | | |

| |one a strip of colored dots | | | |

| |(stickers) for icebreaker activity.| | | |

| |Ask participants to make a name | | | |

| |tent. | | | |

|8:00 – 8:15 a.m. |Continental Breakfast |Distribute classroom material| |To learn more about the |

|(15 minutes) |Greet participants as they arrive. | | |participants as they mingle. |

| |Ask them to complete tent card with| | |To set the mood. |

| |their name. | | | |

| |Encourage discussion about credit. | | | |

| | | | | |

|8:15 – 8:30 a.m. |Welcome and Introductions | | | |

|(15 minutes) | | | | |

| |Initiative Manager Opens the | | |To learn more about each |

| |Session | | |participant. |

| |(5 minutes) | | |To get them thinking about their |

| |Initiative Manager briefly welcomes| | |own credit practices and lessons.|

| |participants to this workshop. | | | |

| | | | |To begin to set good practices |

| | | | |and dispel myths about credit. |

| | | | |To understand what motivates the |

| | | | |participant. |

| |Introductions | | |To establish rapport between the |

| |(10 minutes) | | |instructor and participants. |

| |Introduce instructor(s). | | |To learn more about each |

| |Explain to participants that you | | |participant. |

| |want to learn more about them to | | | |

| |ensure a good learning experience. | | | |

| |Participant introductions. | | | |

| |(Depending on the number of | | | |

| |participants, you may modify the | | | |

| |manner in which you handle | | | |

| |participant introductions.) | | | |

|8:30 – 8:50 a.m. |Protecting Your Home Investment |Module: Tab 12 |Refer to P. 346 of |This module focuses on how to be |

|(20 minutes) | |Spend and save wisely. |Instructor Guide for |successful in long-term |

| | |Plan for the unexpected. |consumer workbook |homeownership by managing money |

| | |Maintain your property. |material. |and maintaining your home |

| | |Avoid financial traps. | |investment. |

|8:50 – 9:10 a.m. |Your Credit and Why It Is Important|Module: Tab 1 |Refer to P. 2 of |This module will provide |

|(20 minutes) |Participants should learn: | |Instructor Guide for |participants with an introduction|

| |The difference between good and bad| |consumer workbook |to credit, some basic |

| |credit. | |material. |terminology, and an understanding|

| |Why the industry classifies credit | | |of the value of a good credit |

| |as A, B, or C. | | |record. |

| |The impact of bad credit on | | |More tips on P. 2 of the |

| |interest rates. | | |Instructor Guide. |

| |How goal setting may help achieve | | | |

| |good credit. | | | |

|9:10 – 9:25 |Break | | | |

|(15 minutes) | | | | |

|9:25 – 10:00 |Managing Your Money |Module: Tab 2 |Refer to P. 24 of |This module begins by focusing on|

|(20 minutes) |Needs and Wants Activity: |Activity: Needs and Wants: |Instructor Guide for |the difference between “needs” |

| |Class can be divided into groups |The group receives a single |consumer workbook |and “wants”. In addition, this |

| |representing family types. Each |piece of flipchart paper to |material. |module will help participants |

| |group is assigned a family |record their family's needs | |better understand the importance |

| |structure i.e. single; couple no |and wants. A spokesperson for| |of budgeting and developing wise |

| |children; husband & wife with two |the group reports | |spending habits. |

| |young children; couple with two |conclusions. | | |

| |teenage boys; single parent with |PowerPoint slides: Review | | |

| |one college student and two |slides, paying attention to | | |

| |children at home; single person |how to prepare a budget. | | |

| |living with and caring for elderly |Stress that listing needs and| | |

| |parents |wants is the first step in | | |

| | |preparing a spending and | | |

| | |savings plan. | | |

| | |Community Connection Plan: | | |

| | |Resource for help with money | | |

| | |matters. | | |

|10:00 – 10:20 a.m. |Restoring Your Credit |Module: Tab 9 |Refer to P. 212 of |This module explains how to |

|(20 minutes) |Note: Some discussion of |PowerPoint Slides: Review |Instructor Guide for|deal with credit difficulties |

| |this topic would have |all slides briefly. |consumer workbook |and the financial |

| |occurred in Module 5. | |material. |consequences. |

|10:20 – 11:10 a.m. |Exercise | |Download from | |

|(50 minutes) | | |Workshop Activities.| |

|11:10 – 11:25 a.m. |Break | | | |

|(15 minutes) | | | | |

|11:25 – 11:45 a.m. |Planning for Your Future |Module: Tab 10 |Refer to P. 160 of |This module demonstrates how |

|(20 minutes) | |Activity: Quickly refer to|Instructor Guide for|your past choices will affect |

| | |family structure assigned, |consumer workbook |your future relative to credit|

| | |and come up with one or two|material to examine |and money management. |

| | |values. Ask for volunteers|values. | |

| | |to give examples. | | |

| | |PowerPoint slides: Briefly| | |

| | |review slides. | | |

|11:45 a.m. – Noon |Wrap Up | | |Summarize the day’s learning. |

|(15 minutes) | | | |Answer participants’ |

| | | | |questions—clear “parking lot.”|

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