Creating A Stable Home (CASH)


VCCDC Financial Coaching is here to help you through a balanced combination of financial education and coaching. The Creating A Stable Home (CASH) program is designed to help individuals and families increase their financial knowledge and confidence, apply that financial knowledge and establish healthy financial behaviors by reducing debt, increasing credit scores, increasing savings and increasing net worth through the purchase of high-return assets such a home, small business or post-secondary education. This program includes:

  • Financial education
  • Homebuyer education
  • Quarterly savings club meetings
  • One-on-one financial coaching for one year
  • Credit report review for one year

The goal of the CASH program is a true change in behavior, leading to a lifetime of more responsible and knowledgeable financial decisions and actions. VCCDC Financial Coaching consists of goal setting, action planning, progress checking, accountability and support toward goal attainment over time.

Using data collection tools, the CASH program measures changes in participants’ credit scores, savings, debt levels and net worth at the beginning of the program and then six and 12 months afterward. This data collection is facilitated by the ongoing relationships between the participants and their financial coaches, and verifies that they are moving in the right direction.

To get on the interest list for the next upcoming CASH Course call 805-273-7800 or email us at [email protected].

Watch the video below to see how the CASH Financial Coaching Program made an impact on James Blanks and his family:

Below is a testimony from a CASH Program Participant:

I thought I had it all figured out before I started the CASH program. Even though I was stuck in a vicious cycle of pay day loan advances twice a month, maintained several checking accounts with negative balances, borrowed money from my sister and held a maxed out credit card. I thought I was at the top of my game. Go figure. I used to tell Josie (HOC Counselor/Coach) “You have to have money to save money.”

At the root of it all, I was afraid to face my ugly financial situation and the perception that I was just broke. I flat out resented my financial situation and I did not want to accept that I had no money and that it was my own fault. Not because I didn’t have the job I wanted or the economy or a man to take care of me, or a family to fix it all. I had to face my fear. Even the fear of how I might be perceived! How many of you had fears going into the CASH program? Josie made it all bearable; she was gracious the entire year, patient, knowledgeable and accommodating. Wouldn’t you all agree?


2016 CASH Graduates



2015 CASH Graduates

VCCDC Pictures December 2015 050 2

2014 CASH Graduates


2013 CASH Graduates

CASH II Graduation 3

2012 CASH Graduates

CASH Graduation 2012