The Mayor’s Office of Adult Literacy, in partnership with the Houston Financial Empowerment Center powered by SERJobs and the Houston Public Library, presents “Real Talk, Real Money” a three-part learning series designed to strengthen financial literacy, build confidence, and empower adults to take charge of their financial futures.

Part 1: Strategic Budgeting - Wednesday, October 21, 2026
This module highlights that a budget is not a restriction but a strategic roadmap for your money. Participants will learn how to gain control over cash flow by actively tracking money coming in (net income) versus money going out (expenses).

Part 2: Credit Scores and Reports - Wednesday, October 28, 2026
This session breaks down how the credit system works by clarifying the difference between a credit report—your detailed historical record of borrowing and repayment—and a credit score, the three-digit numerical grade calculated from that report.

Part 3: Debt Management - Wednesday, November 4, 2026
The final module focuses on strategies for efficiently paying down existing liabilities and reducing the long-term cost of borrowing. Participants will explore practical approaches to navigating out of high-interest traps and using credit responsibly moving forward.

Take advantage of this opportunity to strengthen your financial skills, join us for this dynamic series and walk away ready to take bold control of your financial future!