“I was told by my caseworker that I had to do this financial class. that its mandatory. My first thought was I know how to deal with my finances. But I had to go. So I went, it turns out there’s a lot more to finances than I thought. She went over a lot of things like different kind of loans there are, credit scores and why we should see where we are with that, jobs, loans..., and who will do free credit scores. Also, different kinds of banks interest rates and more ... Crystal, I thank you from the bottom of my heart to influence me to do this.”
“I Love this class! I learned so much, I learned things that I didn’t think I would need to know. I understand how a business functions. I love this class!”
"I found out about the financial literacy program offered at the Salvation Army right around the time I'd been actively seeking a good bank to begin rebuilding/re establishing my credit. The short 4week financial literacy program was coordinated by founder/President Crystal D. Smith and held 4session classes once every week that centered on financial management and literacy education. It was during one of those sessions that I'd gotten the opportunity to open both a savings and checking account with a credit union. Being this would be my first time ever with a credit union, the most important knowledge financial literacy classes taught me were to always meet deadlines for due dates and payments, to make regular deposits, and to write and follow up with credit bureaus. I'd been on the financial path of regularly managing my credit and budgeting my income/wages in order to keep my account both active and in good standing. I'd even created a budget chart as a way to keep track of my daily spendings. Since completing the financial literacy program as of Feb 23, 2017, my biggest achievements have been recently graduating from the College of Southern Nevada (CSN) School of Culinary Arts, getting the keys to my own apartment, and completing my first book for publication. As of now, I am still actively seeking full time employment. My biggest financial goal however is to increase my FICO score to a perfect 800, a goal I know will be accomplished within 2 years."
"My name is Steven Womack and I am a former financial literacy class member of Ms Crystal Smith. While I was in the vocational training program at the Salvation Army's Owens campus I attended her classes. I'm extremely grateful for everything I learned in her class and for the checking and savings account she set up for me at America First Credit Union. After completing her class and graduating from college of Southern Nevada culinary program on November 1st of 2017, I soon found employment as a cook at T-Mobile Arena. I am currently receiving direct deposit for my wages into my America First Credit Union account. I have been paying my bills, buying all my own groceries, recently purchased and paid cash for a brand new scooter and I'm continuing to maintaining financial independence. I am very proud to say that I have saved $5,000 in my savings account so far. A special thank you to Ms. Crystal for investing in me and for everything she does for the Salvation Army."