PFMPPERSONAL FINANCIAL MANAGEMENT PROGRAM Provides personal financial education, training, counseling, information and referral. A solid understanding of your personal financial situation and prospects will give you a better chance of achieving financial success during your career and help build confidence when facing financial challenges and responsibilities. These services are provided at no cost to you as part of your benefits for serving our country. Let us help you get started on your road to financial independence today!

Check your credit report at least once a year for errors or signs of identity theft. Negative information could prevent you from obtaining a security clearance or mortgage. You get one free credit report each year from all three major credit reporting agencies. EXPERIAN TRANSUNION EQUIFAX (888) 397-3742 (800) 888-4213 (800) 685-1111 www.experian.com www.transunion.com www.equifax.com MCAS CHERRY POINT TRAINING www.annualcreditreport.com & EDUCATION BUILDING 4335 252-466-4201/5837 PFMP CALENDAR BUDGETING WORKSHOP HOME OPTIONS BUDGETING WORKSHOP Provides individuals the know how to Finding a new home can be an exciting Apr 9 0900-1130 develop a personal budget, to reach time for Service members. This housing identified short & long range goals, a workshop is broken into four distinct May 9 1300-1530 system to pay bills on time & evaluate the sections: Military Privatized Housing, personal budget to spend less & save/ Renting, Buying, and Selling a Home. invest more. This workshop is designed to increase BASIC SAVING & INVESTING your knowledge and comfort level when Jun 14 0900-1100 BASIC SAVING & INVESTING exploring your housing options. This workshop is an introduction to savings and investing. This program also explains PERSONAL READINESS CAR BUYING STRATEGIES the difference between saving & investing, the “Stock Market” & its risks, different kinds SEMINAR The Personal Readiness Seminar is a May 21 1300-1500 of investments & investment concepts. mandatory workshop for all First Permanent Duty Station Marines per MCO 1700.31, COMMAND FINANCIAL CAR BUYING STRATEGIES however all who are interested are Develop the knowledge and skills required welcome to attend. This interactive SPECIALIST TRAINING in the car buying process, identify the workshop covers resources available for 0800-1600 multiple costs of vehicle ownership, career development, as well as, personal Apr 1-5 identify reliable sources of information for finance basics. (5 Day Course) evaluating a vehicle’s price, determine how much vehicle you can afford, discuss RETIREMENT PLANNING/ CORPORAL FINANCIAL FITNESS negotiating techniques, identify your rights as a consumer, analyze advertising SURVIVOR BENEFITS Apr 10 & 11 0800-1600 techniques and sales practices and determine steps to protect yourself against PLAN WORKSHOP This workshop introduces the basic fraud. concepts of financial retirement planning, HOME OPTIONS including the military retirement system. Jun 25 1300-1530 COMMAND FINANCIAL Focusing on options you will navigate such as Survivor Benefit Plan (SBP) and Social SPECIALIST TRAINING Security. HOW TO BECOME DEBT FREE This 5-day course is designed to train SNCO’s and Company Grade Officers APR 16 0900-1100 on how to develop a Personal Financial SPOUSAL IRS’S Management training program at the This workshop provides spouses unit level. Topics covered include but with information to assist them with PERSONAL READINESS are not limited to budgeting, debt understanding investment options. To SEMINAR (MCO 1700.31) reduction, credit management, consumer make any type of IRA contribution, awareness, saving and investing and more. you must have earned income equal Apr 18 Participants will receive financial software to or greater than the amount of the designed to assist them with unit training IRA contribution. That means you can May 16 0730-1200 and individual counseling needs. contribute to a spousal IRA for a non- working spouse. Learn about contribution Jun 20 limits and how an employed spouse can CORPORAL FINANCIAL make an IRA contribution on behalf of a RETIREMENT & SURVIVOR FITNESS TRAINING non-working spouse or a spouse who has Studies have shown that young Service little income. BENEFIT PLANNING members often make financial decisions based on peer recommendations. This MAY 17 0900-1100 2-day training is designed to educate TSP & ME WORKSHOP What are your options for accessing your NCOs on financial basics in the hopes that TSP money? This workshop will provide they will provide knowledgeable peer-to- an overview of the Thrift Saving Plan to SPOUSAL IRA’S peer financial influence. This course focuses help you develop a plan to secure your on navigating the financial challenges that MAY 2 1130-1230 financial future. may occur and how to develop financial management skills that can be used over TSP & ME WORKSHOP their lifetime. They will support the PFMP YOUR BUDGET, YOUR staff and Command Financial Specialist Apr 11 1300-1430 (CFS) by performing outreach to targeted MONEY HABITUDE People say, “Money talks!” Find out Marines (E1-E4) to increase the awareness what your money is saying about you by of the services and programs available to YOUR BUDGET, YOUR MONEY HABITUDE attending the Your Budget, Your Money young Marines and why financial fitness is Habitudes Workshop! The Money Habitude part of mission readiness. The CFF will not Jun 6 0900-1130 activities make it easy to identify financial provide financial counseling or training. challenges, see how they relate to Complete details of qualification, function relationships, career decisions, etc...while and training for the CFF can be found in helping to produce successful outcomes MCO 1700.37. concerning money management.