Tuesday, January 10, 2023
Debt is defined as the state of owing money. We acquire debt in many forms—purchasing vehicles or a home, taking on loans for education, or accessing revolving credit lines. When debt is handled properly, we can strategically build healthy debt to help budget and to create a healthy financial cushion. Join SAFE’s Financial Wellness Team for this discussion on the difference between healthy and unhealthy debt, with a strategy to reduce high interest debt.Topics covered in this session:
• Defining healthy debt
• Exploring the benefits of healthy debt
• Defining unhealthy debt
• Discussing the risk of unhealthy debt
• Reducing high interest debt
Wednesday, January 11, 2023
Being mindful with your money is the simple process of understanding your finances and creating an intentional plan to improve your overall financial behavior. Join SAFE’s Financial Wellness Team to explore new ways to bring mindfulness into your financial life.Topics covered in this session:
• Mindfulness and budgeting
• How mindfulness relates to spending
• Tips to decrease mindless spending
Tuesday, January 17, 2023
Money is said to be the currency of living, but gratitude is the currency of life. Appreciating what you already have can certainly be less expensive! Join SAFE’s Financial Wellness Team to learn how to practice gratitude in your financial life.Topics Include:
• Benefits of gratitude
• Practicing gratefulness in your current financial situation
• Reducing impulse purchasing
Thursday, January 19, 2023
Excited about buying a home, but not sure if now is the right time? Even with current interest rates, our SAFE Mortgage Team is here to navigate you through the current market. Join SAFE’s Financial Wellness Team to start your next chapter!Topics covered in this session
• Determine homebuying affordability
• Understand credit criteria
• The home-buying experience
Saturday, January 21, 2023
Tickets are available at this time; however, according to county regulations, we have a limit on the number of tickets sold. These tickets will be first come, first served and we hope to sell out.There will be no tickets sold at the door. We have tables of 8, so if you have a group of people who want to sit together, we need a list of their names and phone numbers, otherwise, they will be placed wherever there is availability. As soon as payment is made, please forward the names to jmlovejoy@comcast.net.
Tickets may be purchased by PayPal on the Carmichael Kiwanis Web site. or by check.
Please contact me with any questions or requests for tables.
Jan Lovejoy at 916-488-2246 or e-mail at jmlovejoy@comcast.net.
Tuesday, January 24, 2023
We are kicking off our first luncheon in 2023 with SMUD Board President Heidi Sanborn, who will be presenting the Zero Carbon Plan.SMUD's 2030 Zero Carbon Plan is a flexible road map to achieve our zero carbon goal while ensuring all customers and communities we serve to reap the benefits of decarbonization.
Networking and Registration – 11:00 am
Lunch – 11:30 am
Program - Noon
Don't forget a raffle prize and business cards!
Registration is required by 1/20/2023
Lunch Provided by:
Members: $25
Future Members: $30