Attend this seminar and you will be able to take control of your spending and learn basic budgeting skills—and how to stick to them. You will learn tips on budgeting for your regular bills and saving for emergencies.

At this free seminar, you'll learn how to:

• Identify where your money goes
• Track personal spending
• Set realistic short, medium and long-term financial goals
• Develop a personal spending plan to gain control of your finances