Join us for free workshops to empower you and your family to build a stronger financial foundation. All workshops are held at the Lifelines Counseling Services office, 705 Oak Circle Dr E, Mobile, 36609. Due to limited space, please call 251-602-0011 to register in advance for the workshops. Car Buying 101 - Purchasing an auto can be a stressful time and costly mistakes can affect your for years. Learn the tools of the trade when it comes to dealer offers and financing. Let us also show you why used autos may sometimes be the better choice. 3/2/15, 6/8/15, 6p-7p. Youth & Finances - Let us show you the right way to begin your financial life and avoid the basic pitfalls early on. Parents and teens are both welcome to attend. 3/30/15, 5/18/15, 6p-7p. Investment/Insurance Basics - Get information on how to save for your future! Learn about the programs available (IRAs, 401Ks). The different kinds of investments, risks involved and common strategies used will be discussed. Information on life insurance is also reviewed. 1/26/15 & 4/20/15, 6p-7p Money Management - Develop spending plans, money management skills and other goal setting techniques. 1/12/15, 2/9/15, 3/16/15, 4/13/15, 5/11/15, 6/15/15, 6p-7p. Predatory Lending & High Cost Loans - The abusive practices by lenders have increased. Learn some of the more common practices and how the Equal Credit Opportunity Act & the Fair Housing Act protect you against discrimination. 2/16/15 & 5/4/15, 6p - 7p Homebuyer Seminar - This seminar is full of tips and information for those wanting to become a homeowner. Learn what you need to know about the homebuying process to avoid making costly mistakes. Please call for times and dates. Understanding Credit & Credit Reports - This workshop is designed to help you understand credit worthiness as seen through your creditors' eyes and all aspects of your personal credit reports. Feel free to bring your own recent credit report or call 602-0011 to obtain one ahead of time. 2/23/15, 4/27/15, 6/29/15, 6p-7p.