Belfast Adult Education (BAE) will offer Money Matters again to help community members better understand how to successfully manage their daily finances. It will once more be co-facilitated by knowledgeable, experienced financial experts from Bangor Savings Bank and Bank of America who are giving back to the community by offering their services at no cost.

Have you recently experienced a life transition that has you taking a long, hard look at your financial picture? Are you concerned about being a victim of the financial scams that seem to be in the news on a daily basis? Would you like to build your savings, improve your credit rating or understand your credit score? Are you looking for ways to get out of debt? Do you want to learn how to effectively use credit and debit cards? Would you like advice on how to set a daily budget that really works? Are you just entering the work force and wondering how to budget for savings and living expenses?

If so, this free Money Matters financial literacy course is for you.

The Money Matters curriculum is designed to teach individuals the nuts and bolts of money management to help them meet their financial goals and needs. It was created by Belfast Adult Education in partnership with Bank of America and Bangor Savings Bank. The instructors will lead each session in an informal, conversational style.

Money Matters is scheduled to meet on Thursdays in May from 4 to 6 p.m. starting May 3. It will be held at the BAE Learning Center, 6B Lions Way in Belfast. You are welcome to attend any or all of the sessions at no cost.

May 3: Managing Money Day to Day


Checking accounts

Debit cards

Credit cards

Online Banking & Budgeting Tools

May 10: Saving for the Future

Savings accounts

The habit of saving


May 17: How to Borrow Money Wisely

Debt structure

Credit reports/scores


Car loans

May 24: Protecting Against Fraud

Identity theft


Credit monitoring

May 31: Wrap-up

Final Tips, Questions & Answers

According to Money Matters course facilitator Denise Pendleton, "In my work with community members, I've discovered that many are seeking basic but essential financial literacy skills. Many want to be more in charge of their finances, but don’t know how to begin. This course can help with that.”

Carolyn Haskell, program coordinator, added, “I can’t tell you how glad I was that I made the time to take Money Matters last spring. I learned valuable tips and techniques to help me improve my ability to manage money day to day and save for the future. I was impressed by the facilitators’ knowledge and expertise. Their engaging, relaxed teaching style put everyone at ease, no small feat when the discussion revolves around money — a hot topic for many of us.”

Whether you’re just making ends meet, trying to save for trips, college or retirement, the Money Matters course is a great opportunity for Waldo County residents to gain the skills that will help them get ahead financially.

FMI or to register, contact BAE’s Money Matters coordinator, Denise Pendleton, at 338-3197;