Navigating the Financial Journey Class will held from 9-11 a.m. Wednesday, May 10, at the conference room of the Jefferson County Cooperative Extension Service, 500 S. Idaho St.

The announcement was made recently by Mary Ann Kizer, University of Arkansas Division of Agriculture Jefferson County Family and Consumer Sciences Agent.

The cost of the class is $20. Bankruptcy filers will receive their Certificate of Debtor Education. The class is approved by the United States Bankruptcy Trustee as a financial education program and the course complies with the laws enacted under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA).

Budget Development, Money Management, Wise Use of Credit, and Consumer Protection will be taught by Family and Consumer Sciences Agents, Michelle Carter, Bradley County; Diane Clement, Cleveland County; Jane Newton, Lincoln County; and Mary Ann Kizer, Jefferson County.

Financial goal setting is the key to turning dreams into reality, Kizer said. She also recommends that heads of the household set aside time and sit down with pencil, paper and calculator to plan for the future. She suggests using the goal-setting technique called SMART, which stands for Specific, Measurable, Attainable, Relevant and Time-bound.

The SMART goal plan includes — Specific: Include as many details as possible; Measureable: Estimate dollar amounts needed (if it’s a long-term goal, you may need to add 3.5 percent per year to the purchase price); Attainable: Do you have the income to meet this goal? Relevant: Is this something that you need? Are you in agreement to work for this goal? Time-bound: When would you like to achieve this goal? Determine how long you will need to save and the weekly or monthly amount to save.

To register for the money management course May 10, call 870-534-1033 or e-mail If you can’t attend the workshop, download the free financial goals worksheet at:

The University of Arkansas System Division of Agriculture offers all its Extension and Research programs and services without discrimination.