Financial Education Program

Free Financial Education Classes in Tampa Bay

Sign Up for Free Classes

What You Will Learn

Managing Money Wisely

Learn the basics of banking, budgeting, payroll, and taxes to effectively track income, control spending, and plan for financial goals.

Credit & Loans

Gain insights into how credit cards work, how to build and maintain good credit scores, and how to responsibly use loans for education, cars, or homes.

Protecting Yourself Financially

Discover how to safeguard personal and financial data, recognize fraud, and take steps to prevent identity theft.

Planning for the Future

Explore the importance of saving for retirement, investing wisely, and choosing the right insurance to protect against unexpected events.

Making Smart Purchases

Learn how to evaluate major purchases like cars and homes, understand financing options, and make informed decisions that align with long-term financial health.

How It Works

 Navigating the U.S. financial system can be challenging — especially for immigrants and refugees facing language barriers and unfamiliar financial practices. Without the right knowledge, these challenges can lead to financial mistakes that impact household budgets and credit.

Project Prosper’s free Financial Education Program helps you build the skills and confidence needed to manage your money and plan for the future. Classes are offered in English and Spanish, online or in person. No financial background is required — just a desire to learn!

You do not need to take all 13 classes! To participate in the program, we ask that you complete at least 4 classes of your choosing. This flexible model allows you to select the topics most relevant to you and attend based on your schedule and location. 

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Introductory Classes

Banking Essentials

  • Banks
  • Credit Unions
  • Checking & Savings Accounts
  • Online Banking

Budgeting

  • Understanding Your Financial Situation
  • Creating a Budget
  • Managing It

Credit Cards

  • Credit Cards vs. Debit Cards
  • Using credit cards online
  • Promotions and offers
  • Wise credit card use
  • Preventing fraud

Money Safety and Fraud Prevention

  • Preventing fraud and Identity theft
  • Detecting fraud and identity theft
  • Are you a victim of identity theft?
  • Frauds and scams

Intermediate Classes

Loans

  • Types of Loans
  • Interest Rates
  • Lenders
  • Predatory Leanding
  • Application Process

Credit Reports & Scores

  • Good credit vs. Bad credit
  • Credit Score
  • Credit Bureaus

Car Buying

  • Budgeting for a car
  • Where do I buy a car
  • Buying a new vs. used car
  • Leasing a car
  • Fuel Economy

Payroll

  • W2, W4, and 1099 forms
  • Direct deposit
  • Taxes and how to file
  • Paystubs (hourly, salary and overtime)

Advanced Classes

Retirement

  • Retirement savings options
  • Overview of retirement accounts
  • Impact of inflation and longevity

Taxes

  • Tax forms
  • Avoid Tax Scams
  • Tax credits and deductions
  • Ghost Preparers
  • Filling Services

Insurance

  • Car Insurance
  • Health Insurance
  • Income replacement insurance
  • Short and long term disability
  • Life Insurance
  • Terms and Conditions

Investing

  • What is investing
  • Types of investing
  • Compounding
  • Pros and Cons

Home Buying

  • Should you buy a home
  • The home buying process
  • Down payment assistance
  • The real cost of buying a home
  • Protecting your investment

Special Classes

Getting a Job in the US

  • Job Search
  • Writing a Resume
  • Interviews
  • Job Offers
  • Additional Resources

Florida Business Basics

  • Business Plan
  • Funding Options
  • Marketing
  • Structure
  • Business Types

Workshops

Credit Report

  • Credit Reports and Scores
  • Importance of Credit History
  • Assistance to pull reports

Budgeting

  • Track Income
  • Categorize expenses
  • Spot savings
“Through Project Prosper, I’m learning how to use credit cards wisely, how to invest money when I receive it, and how to practice good financial habits in the United States. They are also helping me prepare for job interviews, which gives me confidence for the future.”
Project Prosper
Maikel
Client

Beginner-level-English Classes

We offer a financial literacy curriculum designed for beginner-level English, comprised of three classes and a content review session.

Protecting your information

  • Important vocabulary
  • What is personal information?
  • How to protect your personal information
  • Avoiding Scams

How to pay bills

  • Ways to pay bills
  • Using the US mail
  • Writing checks
  • Using money orders
  • Bill pay
  • Online services

Services offered by banks

  • Important vocabulary
  • Types of accounts
  • How to access your money
  • Cashing checks
  • Sending money abroad

If you would like more information about classes, or to schedule classes for your group, please contact us.

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