I attended a free workshop sponsored by Bethel Ministry that was very good. No one tried to sellme anything or push religion on me. This was the first time anyone actually explained to me how to choose credit and how to use it wisely. I am going to attend the next 3 sessions held at the Chester Township Municipal Building every Wed,night in September. Ifanyone wants to learn the basics of finance and asset building I would recomend their classes. You can check out their website at BethelMinistryonline.org .