When you’re facing a reduction in income, you may be tempted to use credit to pay your expenses. However, taking that shortcut now may extend today’s financial impacts far into your future. It’s essential to know how to navigate debt reduction and payment options in times when your resources are scarce or stretched to the limits without putting yourself deeper into debt.

You’ll learn how to:

• identify spending challenges
• initiate behavior changes
• work with your creditors to establish payment plans
• maintain your credit even in times of crisis

ABOUT THE SPEAKER

Gina Reneé Richardson is a Certified Financial Educator and change agent who uses her life experiences and high-energy, approachable style to teach leadership and organizational skills that prepare her students to achieve financial stability and success. Gina leads financial-wellness workshops at many of Sacramento’s top companies and organizations.