Become “money smart” in this two-session personal financial management course on September 12 and 19 at St. Johnsbury Academy. Participants will learn ways to increase income and reduce expenses, build or repair credit, use credit wisely, and create and manage a personal budget. Participants will also learn to access and understand their credit scores. Facilitated by Nelson Baker, this FREE class is made possible by Green Mountain United Way. Register by calling Marina Cole at 748-7738 or by email at mcole@stjacademy.org