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About our Classes

"The Credit You Desrve & Common Cents Program"

This program provides children of the community with the opportunity to participate in a program that will teach life- long essentials about entrepreneurship, financial savings, money management, banking, using and understanding credit.  Our program will also provide students with a solid background and foundation on responsible decision making skills. These skills will have an effect on their finances throughout their lives as consumers, savers, investors, workers, citizens, and participants in our global economy.  The mission of The Literacy for Youth Foundation is to educate young children in financial awareness in grades K-12 by incorporating a fun, innovative and interactive curriculum through after-school and summer programs.  We feel there is a great need for the program due to the current economic conditions.  The Literacy for Youth Foundation strongly believes that by educating the young generation of children and future generations, we will change the financial genetic make-up of our economy. We will empower our students and make sure that we prepare and equip them for any financial situation they may encounter in their lives.  By teaching our youth the Financial Awareness curriculum, we could decrease the rate of foreclosures, increase savings in our households, decrease the number of divorces due to financial stress and give the next generation a jump on achieving and maintaining high credit scores at an early age.  The Literacy for Youth Foundation envisions a world in which children are well educated about the economy and their personal finances by becoming financially literate and empowered to make responsible decisions throughout their lives by saving, investing and business ownership in the communities in which they work and live.

Facts That Parents Should Know:

  •  Approximately 75% of Americans live financially month to month.
  • Today roughly 24 percent of personal expenditures in this country are made with credit and debit cards.
  • Average per household debt in the U.S., not counting mortgage debt, is about $14,500.
  • Some 40 percent of American families annually spend more than they earn.
  • About 60 percent of active credit card accounts are not paid off monthly.
  • Average personal wealth of a 50-year-old American, including home equity is less than $40,000.00
  • The average interest rate on credit cards is 18.9 percent.  Last year the credit card industry took in $43 billion in card fees.
  • People using credit cards in fast food restaurants spend up to 50 percent more than when they pay cash because of interest fees.
  •  Consumer debt and bankruptcies are at an all time high!

                      "The Kidz Fit Club"

Week 1-  Our kids will learn about nutrition, eating healthy, and they will be given a customized menu! Good eating  habits lead to good health. They will also learn a exercise routine.

Week 2 – The kids will learn how to avoid obesity and heart disease! They will also learn what the right weight is for their height and age.

Week 3 -We will teach about self esteem, how to appreciate their bodies, Dealing with peer pressure and bullies. We also have activities to teach the kids how to deal with stress and worrying.

Week 4– What is diabetes, how to avoid diabetes, and what they need to know about heart disease.

Week 5– This week our kids will learn about hygiene! Setting goals and how to identify the difference between social and emotional health.

Here are 10 key concepts that we will teach children and their parents that enroll in our Get Fit Program:


1.     Parents control the supply lines. You decide which foods to buy and when to serve them. Though kids will pester their parents for less nutritious foods, adults should be in charge when deciding which foods are regularly stocked in the house. Kids won't go hungry. They'll eat what's available in the cupboard and fridge at home. If their favorite snack isn't all that nutritious, you can still buy it once in a while so they don't feel deprived.

2.     From the foods you offer, kids get to choose what they will eat or whether to eat at all. Kids need to have some say in the matter. From the selections you offer, let them choose what to eat and how much of it they want. This may seem like a little too much freedom. But if you follow step 1, your kids will be choosing only from the foods you buy and serve.

3.     Quit the "clean-plate club." Let kids stop eating when they feel they've had enough. Lots of parents grew up under the clean-plate rule, but that approach doesn't help kids listen to their own bodies when they feel full. When kids notice and respond to feelings of fullness, they're less likely to overeat.

4.     Start them young. Food preferences are developed early in life, so offer variety. Likes and dislikes begin forming even when kids are babies. You may need to serve a new food on several different occasions for a child to accept it. Don't force a child to eat, but offer a few bites. With older kids, ask them to try one bite.

5.     Rewrite the kids' menu. Who says kids only want to eat hot dogs, pizza, burgers, and macaroni and cheese? When eating out, let your kids try new foods and they might surprise you with their willingness to experiment. You can start by letting them try a little of whatever you ordered or ordering an appetizer for them to try.

6.     Drink calories count. Soda and other sweetened drinks add extra calories and get in the way of good nutrition. Water and milk are the best drinks for kids. Juice is fine when it's 100%, but kids don't need much of it — 4 to 6 ounces a day is enough for preschoolers.

7.     Put sweets in their place. Occasional sweets are fine, but don't turn dessert into the main reason for eating dinner. When dessert is the prize for eating dinner, kids naturally place more value on the cupcake than the broccoli. Try to stay neutral about foods.

8.     Food is not love. Find better ways to say "I love you." When foods are used to reward kids and show affection, they may start using food to cope with stress or other emotions. Offer hugs, praise, and attention instead of food treats.

9.     Kids do as you do. Be a role model and eat healthy yourself. When trying to teach good eating habits, try to set the best example possible. Choose nutritious snacks, eat at the table, and don't skip meals.

10. Limit TV and computer time. When you do, you'll avoid mindless snacking and encourage activity. Research has shown that kids who cut down on TV-watching also reduced their percentage of body fat. When TV and computer time are limited, they'll find more active things to do. And limiting "screen time" means you'll have more time to be active together.

                           "The Green Kidz Club"

10 ways that kids can “Going Green”!

1) Ask mom for green school supplies. Going back to school and going green can go hand in hand! Kids can get green school supplies that will make a difference at prices that will make mom happy. Your green school supplies also provide an opportunity to share your thoughts on the environment with other students and teachers who notice that they are a little different.

2) Walk, carpool, or take the bus to school. Less carbon emissions and less smog comes from less burned fuel. We have to use gasoline to run most of today's cars - so, let's use as little of it as we can! When you share a ride with others, it means fewer people have to use gas, and when you walk or bike there is no fuel burned at all...except maybe your breakfast ;-)

3) Turn off the water while showering and brushing teeth. Most people let the water run while soaping up or brushing, but that wastes water. Run the water to get your towel and body or toothbrush wet, and then wash or brush with the water off. It saves water AND time because you end up focusing on getting clean and getting out of there!

4) Start an organic garden at school and create compost for it. It's a large undertaking, but if you can get your science teacher behind you, it's very likely that your principal will allow you to start an organic garden of some kind and a compost heap to fertilize it. Learn about composting for kids here, and get your science teacher to help you learn about gardening. You're sure to get extra credit!

5) Turn off lights and appliances/electronics when not in use. Kids who aren't environmentally conscious don't usually think about turning off lights and appliances because kids in general aren't cost conscious. That means kids waste stuff. (Don't worry - your parents did it when they were kids, too.) Kids who reduce, reuse, and recycle know that wastefulness is not good, and one thing they do not waste is energy. Although cleaner energy is becoming more common, no energy should be wasted. When you're not using lights or appliances/electronics (TV, computer, video games, etc.) TURN THEM OFF! Let mom and dad unplug them from the outlets as they see fit for safety.

6) If parents recycle, allow kids to sort. The family that recycles together stays together! If mom and dad recycle, ask them if you can sort if you already don't. Sometimes parents don't realize how much you care. Going green is a lifestyle, so get in on the day-today activities by doing your part. .

7) Volunteer with community organizations that plant trees. Trees help us enjoy cleaner air and more beautiful landscapes. Get help finding organizations where you live who plant trees, and then volunteer to help! The Arbor Day Foundation is a good place to start if you need help locating a group in your local area.

8) Hand-wash dishes or only run the dishwasher for full loads. Most people don't realize it, but dishwashers use considerably more water to wash a load of dishes than the traditional sink method does. A LOT MORE. So, to conserve water, it's best not to use the dishwasher at all. If you do, use eco-friendly dishwashing detergent and only run the washer when it is completely full. If it's not full or if you can, choose to wash dishes in the sink instead, of course, with eco-friendly dishwashing liquid.

9) Reduce waste by curbing use of disposables. It's easy to use throwaway cups, plates, wrappers, and utensils, but it only creates more waste for landfills. Also, disposable paper products like facial and bathroom tissue and paper towels and napkins also end up in the trash. We can save more trees by using less paper products, and we can keep more plastics and Styrofoam out of the landfills by using less throwaway utensils and containers. Also, eating less often at fast-food restaurants cuts down on your usage of these items, too. 

When you have to use them, use less. When you don't have to use them, DON'T.

10) Ease up on the video games. Playing video games on both computers and systems uses a LOT of energy! That's why your system or computer feels hot afterwards! You can save on energy by simply doing homework or going outside to play instead of posting up in front of the TV or computer screen. This activity uses more electricity than regular TV or computer usage, so it should be kept to a minimum.

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