Have you thought about your 2019 spending plan? Is your credit score ready for you this year? This class is designed to help you un-complicate the process of managing your finances to achieve financial security. Learn how to create a budget and understand your cash flow. We will touch upon the process of purchasing a first home, or downsizing to a smaller one. This class will be informative and interactive. You bring us your complicated questions and we will supply the pens, paper, handouts and guidance. Let’s make 2019 a prosperous year! Led by Amy LaMarche & Melody Anoli-Marcotte, managers at Salem Five Bank in Tewksbury. Sponsored by the Friends of the Library.