CreditSmart® and CreditSmart® Español
Sample Lesson Plan Four Hours
Steps to Homeownership
|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 small |Checklist. |participants’ arrival. |
| |All flipcharts for the morning |index cards, calculators | |Instructor should arrive about one |
| |session should be prepared in |Manuals, name tags | |hour ahead of schedule. Early |
| |advance and should be up on the |Dots and name tent cards | |arrival allows instructor enough |
| |wall. |Name tent cards, markers | |time to check all equipment and |
| |Instructor may enlist early | | |make necessary adjustments. |
| |arrivals to assist with set-up; |Set up for breakfast at least | | |
| |which provides opportunity to get |one-half to one hour prior to | | |
| |to know some of the participants. |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 | | |own credit practices and lessons. |
| |welcomes participants to this | | |To begin to set good practices and |
| |workshop. | | |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 introduction. | | | |
| |(Depending on the number of | | | |
| |participants, you may modify the | | | |
| |manner in which you handle | | | |
| |participant introductions.) | | | |
|8:30 – 8:50 a.m. |Your Credit and Why It Is |Module: Tab 1 |Refer to P. 2 of |This module will provide |
|(20 minutes) |Important | |Instructor Guide |participants with an introduction |
| |Participants learn: | |for consumer |to credit, some basic terminology, |
| |The difference between good and | |workbook material.|and an understanding of the value |
| |bad credit. | | |of a good credit record. |
| |Why the industry classifies credit| | |More tips on P. 2 of the Instructor|
| |as A, B, or C. | | |Guide. |
| |The impact of bad credit on | | | |
| |interest rates. | | | |
| |How goal setting may help achieve | | | |
| |good credit. | | | |
|8:50 – 9:10 a.m. |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. The |Instructor Guide |the difference between “needs” and |
| |Class can be divided into groups |group receives a single piece |for consumer |“wants”. In addition, this module |
| |representing family types. Each |of flipchart paper to record |workbook material.|will help participants better |
| |group is assigned a family |their family's needs and wants.| |understand the importance of |
| |structure i.e. single; couple no |A spokesperson for the group | |budgeting and developing wise |
| |children; husband & wife with two |reports conclusions. | |spending habits. |
| |young children; couple with two |PowerPoint slides: review | | |
| |teenage boys; single parent with |slides, paying attention to how| | |
| |one college student and two |to prepare a spending and | | |
| |children at home; single person |savings plan. Stress that | | |
| |living with and caring for elderly|listing needs and wants is the | | |
| |parents |first step in preparing a | | |
| | |budget. | | |
| | |Community Connection Plan: | | |
| | |Resource for help with money | | |
| | |matters. | | |
|9:10 – 9:25 a.m. |Break | | | |
|(15 minutes) | | | | |
|9:25 – 10:00 a.m. |Thinking like a Lender |Module: Tab 7 |Refer to P. 109 of|This module provides critical |
|(35 minutes) | |Review the 6 C’s: Capacity, |Instructor Guide |information regarding credit |
| | |Collateral, Credit-worthiness, |for consumer |through the eyes of a lender. |
| | |Capital, Cash reserves, Credit |workbook material.| |
| | |Risk. | | |
| | |PowerPoint Slides: Review all | | |
| | |slides briefly. | | |
|10:00 – 10:20 a.m. |Becoming a Homeowner |Module: Tab 11 |Refer to P. 169 of|This module explains the benefits |
|(20 minutes) | |PowerPoint Slides: Review all |Instructor Guide |and responsibilities of |
| | |slides briefly. |for consumer |homeownership and the steps to take|
| | | |workbook material.|to prepare to buy a home. |
|10:20 – 11:10 a.m. |Exercise |Understanding Your Credit Score|Download from |This exercise provides concrete |
|(50 minutes) | | |Workshop |examples of how to read a credit |
| | | |Activities. |report and ways to improve a credit|
| | | | |score. |
| | | |Use this time to | |
| | | |review credit | |
| | | |reports with | |
| | | |participants one | |
| | | |on one. | |
|11:10 – 11:25 a.m. |Break | | | |
|(15 minutes) | | | | |
|11:25 – 11:45 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 |successful in long-term |
| | |Plan for the unexpected. |for consumer |homeownership by managing money and|
| | |Maintain your property. |workbook material.|maintaining your home investment. |
| | |Avoid financial traps. | | |
|11:45 a.m. - Noon |Wrap Up | | |Summarize the day’s learning. |
| | | | |Answer participants’ |
| | | | |questions—clear “parking lot.” |
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