“Many people want to improve their financial situation but are unsure where to begin or get quickly overwhelmed or discouraged by advice that sounds unrealistic,” said L. Robert Barber, an extension specialist and economist with UOG Land Grant who will be leading the workshop. “This workshop will help individuals grow wealth consistently over time — starting with whatever they have.”

Rather than focusing on quick fixes or unrealistic life changes, the series will emphasize understanding one’s current spending, adopting healthier financial habits, and setting up simple systems to grow wealth over time. Participants will learn how small, intentional changes can add up over time.

Topics to be covered in the series include:

• analyzing personal spending patterns
• identifying unnecessary expenses
• building an emergency fund
• creating a workable plan for monthly spending
• automating savings
• beginning long‑term financial planning

The series also provides a basic introduction to retirement accounts and simple investment concepts, such as index funds, to help participants feel more confident about the future.

This workshop is meant for anyone who wants to move away from earning and spending without direction and begin intentionally building financial security through better habits and informed choices.

The workshop is free, and no prior financial knowledge is required. Participants are encouraged to attend all five sessions, as each week will build on the last. Register at https://url.uog.edu/finance-workshop.

For registration assistance or additional information, please call (671) 735‑2080/50.

About University of Guam Land Grant
The University of Guam Land Grant system provides instruction, research, and community outreach specific to agriculture, food, natural resources, nutrition, and consumer science in order to improve life in Guam and Micronesia. Its two Land Grant units include the agInnovation Research Center and the UOG Extension Service, which operate within the College of Natural & Applied Sciences. The University of Guam was designated an “1862 Land Grant University” in 1972 and is part of a network of 106 Land Grant institutions nationwide supported by the U.S. Department of Agriculture.