NEFE’s Financial Workshop Kits program will be retiring on Sept. 12, 2019. Please download any workshop materials before that date as this website will no longer be available. For more resources and tools to deliver financial education in your community, visit

Income, Savings and Assets

Income, Savings and Assets: Achieving Financial Stability for the Future

Many families of limited means rely heavily on credit, which racks up debt and causes significant stress and financial hardship. You can help these families achieve financial stability by teaching practical strategies to increase income, build savings, and gain assets.

Workshop Materials

You must agree to the terms of the Content License Agreement below to access the materials. Once the materials are downloaded, they may be used as-is or customized to best meet your needs.

Each kit provides workshop facilitators with the materials needed to run a workshop straight out of the box, or the choice to adapt any of the detailed presentations, scripts or learner action plans to suit their unique audience’s needs. Here is what you can find in each workshop.

A Presentation

Display these PowerPoint slides during your presentation to keep the workshop engaging and on track.

A Script

Consult the script for tips on how to prepare for your workshop, what your primary talking points will be, and follow-up resources.

Activities and Info Sheets

Guide your workshop participants through the hands-on activities and informational sheets to bring the financial skills to life.

Related Resources

Find additional suggested resources that can help round out your educational offerings.


The FAQ section for each workshop can help answer your questions about working with your intended audience.


Who will be participating in this workshop?

Participants of this workshop are probably experiencing some amount of financial hardship and are looking for effective solutions and more financial education to become more financially stable. Everyone attending wants to take the next step to become more in control of their personal finances.

How do I make the participants comfortable with learning from me and sharing with me?

The best way to make participants feel comfortable during what can be a stressful time is to let them know that the environment is one of support and confidentiality. By sharing personal experiences and asking participants to do the same, relationships of trust are built and they will become more invested in the program. Also, presenting the information without lecturing and with more focus on discussion and activities will allow the participants to be more comfortable and open during the session.

What are the major financial hardships that are facing low-income and middle-income individuals and families?

Because expenses have grown more quickly than income in the last 20 years, low-income and middle-income workers are struggling to make enough to support their expenses and are falling into a cycle of debt. This can become particularly challenging when credit scores are impacted, which can increase interest rates on debt. Also, more predatory lending services exist in low-income and middle-income neighborhoods and fewer banking services. Usually, these people are doing their best to make ends meet and just need more education to reach financial stability.

How do I help participants decide what kind of investment tools are appropriate for their situation?

There are different types of investments that may make sense depending on the individual or family. Once a budget is created and followed and an emergency account is funded, participants can put leftover income into a variety of financial products, depending on their needs. If a participant is interested in saving for retirement, taking advantage of an employer’s retirement plan and any potential matching contributions is a good place to start. After that, an Individual Retirement Account or Roth IRA might be appropriate. Investment choices such as stocks and mutual funds can be more expensive and risky than Certificates of Deposit, but as long as the risks are explained, a participant can make an informed decision. While low- and moderate-income individuals and families may just be trying to save for emergencies, some may have a surplus of money to invest in different products now or –hopefully– in the future.

Family Money Skills

Help low-literacy families gain the critical life skills needed to make smart financial choices.

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Money Management for Adult Learners

Help adult learners identify ways to make continuing education an affordable way to better their life.

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Rebuilding Financially After Domestic Violence

Help domestic violence victims build a financial foundation and make plans for the future.

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Working Women

Designed to give newly-employed women basic information on how to make sound financial decisions.

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