CHACO Credit Union is thrilled to offer Dave Ramsey's
Financial Peace University!
Financial Peace University (FPU) is Dave Ramsey's life-changing program that teaches you to achieve your financial goals by eliminating debt, saving for the future, and giving like never before. You will be challenged and motivated to make a plan for your money and change your family tree forever!

The goal of Financial Peace University is not just to give you information but to bring about a total transformation in how you handle your money. Financial management is only 20% knowledge and 80% behavior. With Dave Ramsey's help anyone can break the bad habits that rob people of true financial success.

The Course
FPU is a 13-week course designed to help you understand how money really works. Dave teaches about how to save money, live on a budget, communicate about money, eliminate debt, find bargains, and experience the joy of giving. We'll start each lesson with a video taught by Dave, and then we'll have group discussions to help get you thinking about changing the way you think about money. Dave is a National Syndicated Radio Talk Show Host and New York Times Best-selling Author. His style is simple and easy to understand and you'll actually have fun as you learn!

Who Benefits?
Everyone truly benefits from this program, whether you are just starting out or nearing retirement, married or single, rich or broke!

The average family pays off $5,300 in debt and saves $2,700 in the first 91 days of Financial Peace University. More than 1 million families have attended FPU and benefited from this life-changing program that:

• Teaches financial responsibility with easy Baby Steps
• Helps eliminate debt using the Debt Snowball
• Offers accountability and continued support with lifetime membership
• Trains participants to spend every dollar on paper with the zero-based budget planner
• Empowers people struggling with financial hardships by establishing a plan to take control of their money

Financial Peace Investment
$80 per family for a lifetime membership. Price includes a workbook, Financial Peace CD Library (includes all FPU lessons and more), budgeting forms, Dave Ramsey's book "Financial Peace Revisited", and the Financial Peace Envelope System. The fee is due on the first night of class.

Classes will meet at the Fairfield Community Arts Center, 411 Wessel Drive from 6-8pm on Wednesday nights beginning January 25th, 2012 and ending April 18th.

How to Register - Registration is closed.
Seating for FPU is limited to 25 individuals/couples. Reserve your spot by emailing fpu@chacocu.org. In your email please include your name, phone number, and how many people from your household will be attending.

Proven Success from CHACO Graduates
28 CHACO employees are FPU graduates and paid-off $199,817 in debt!

• "Because of this class, I have paid off all debt except for my home and student loans. In total I was able to pay off over $15,000 in 9 short months by living the motto "Live like no oneelse, so later you CAN live like no one else." It was tough at times, but I was not willing to give up.I don't lie awake at night anymore worrying about finances."
• "My big regret is that I didn't "understand" this information when I was younger. I "knew" it in principle, but couldn't figure out how to implement it on my own.The $1000 starter emergency fund is definitely the way to go - I never would have thought of that on my own. It gives immediate relief and makes you feel like you can accomplish anything! The cash flow system of allocating dollars to future paychecks is ingenious. You get to tell your money where to go, rather than wondering every month where your money went!!!Who says you can't teach an old dog new tricks?"

CHACO Community Class - 11 families became graduates and paid-off 41,518 in only 12 weeks!

• "We used to spend money without really thinking of our long term goals.we would just think "Oh it will work out somehow!". But now we have a plan in place, with concrete numbers to back it up. We cleaned out our decent amount of savings and paid off ALL of our credit cards. Surprisingly, I feel more secure with NO CC debt and LESS savings (for now of course!) I would highly recommend this course for anyone who is ready to change the way they think about money and life in general!!"
• "Each FPU lesson offered us hope and real tools to start chipping away at that debt. By the end of the class we had eliminated nearly $5,000.00 in debt and we continue to gain more financial freedom with each passing week."

Visit Dave Ramsey's website to learn more about Financial Peace University.