FREE EVENT

GURL, ARE YOU
READY FOR A
FRESH START?

Pause. Reset. Connect. Start Fresh.

Women Supporting Women ❤

Ladies, sometimes you don't need another lecture about what you did wrong with your money—you need information, a plan, encouragement, and a fresh start.

Reserve Your Free Seat
The Details

Save the Date

Date & Time
Saturday, November 7, 2026
1:00 PM – 3:00 PM
Location
Sanger Branch Library
3030 W. Central Avenue, Toledo, OH 43606
Meeting Room B
Admission
FREE
Registration Required
The Conversation

What Are We Talking About?

Join us for a powerful and uplifting afternoon designed especially for women who are ready to take a fresh look at their finances, credit, housing goals, homeownership dreams, and future.

We're having REAL conversations about money, budgeting, credit, financial recovery, housing, and preparing for homeownership.

You'll receive practical education you can actually use, along with biblical principles for financial wisdom and encouragement for your next chapter.

Whether you're starting over, rebuilding after financial setbacks, trying to improve your credit, preparing to rent, dreaming about buying a home, or simply ready to get your finances back under control — there will be something in the room for you.

Photo of diverse women celebrating together in joy and sisterhood
"

This isn't just another financial class. It's an opportunity to PAUSE from where you've been, RESET your thinking, CONNECT with other women, and begin preparing for where you want to go next.

The Need

Why This Matters in Toledo

24% Poverty rate in Toledo — nearly double the Ohio average of 13%
27% Women in poverty in Toledo, compared to 15% statewide
37% Single-mother households living below the poverty line
55% Low-income households — over half of Toledo households qualify
$28K Average women's earnings — 18% less than men in Toledo

Sources: U.S. Census Bureau ACS 2024 (poverty rate), City of Toledo 2025-2029 Consolidated Plan (low-income households), WelfareInfo.org (women's poverty), ZipAtlas/Census ACS (single-mother households, women's earnings). These statistics represent real women in our community who deserve access to financial education, credit education and financial recovery tools, and pathways to homeownership.

Our Mission

Empowering Women Toward Financial Freedom

Her Next Chapter Initiative™ is a faith-based community initiative dedicated to helping women in underserved communities achieve financial independence through credit education, financial recovery, and homeownership readiness.

Our program addresses the root causes of financial instability by providing practical tools, biblical principles, and ongoing support — because lasting change happens when women are equipped with both knowledge and community.

Her Next Chapter Initiative™ is a community outreach initiative of International Believer’s Word Church, a recognized 501(c)(3) nonprofit organization.

01 Educate
Practical financial literacy — budgeting, credit, debt management
02 Equip
Credit education and financial recovery strategies, plus homeownership readiness tools
03 Empower
Ongoing community support and sisterhood accountability

Program Outcomes

Participants will receive practical tools and education designed to help them strengthen their budgeting, understand their credit, improve housing readiness, and identify actionable next steps toward their financial and homeownership goals.

What's Included

What You'll Experience

✓ FREE to Attend
✓ $100 Cash Grand Prize
✓ Additional Gifts & Surprises
✓ Budgeting & Financial Education
✓ Credit Education
✓ Financial Recovery Strategies
✓ Housing & Homeownership Readiness
✓ Practical Fresh-Start Strategies
✓ Live Q&A
✓ Resources & Encouragement

$100 CASH PRIZE

$100 Cash Grand Prize

The $100 Cash Grand Prize will be awarded to the registered woman who brings the most qualifying guests. Each guest must register or check in under her name and remain through the conclusion of the workshop. If there is a tie, a drawing will be held among the tied qualifiers. Plus other beautiful gifts, giveaways, and surprises throughout the afternoon.

Register Now — It's Free
Your Guide

Your Instructor

Portrait of Mel, The Credit Queen

Melody A. Tate

Mel, The Credit Queen of the North and South

BCCS • CBCS Credit & Housing Strategist Completed Florida Real Estate Pre-Licensing Education Completed Florida CAM Pre-Licensing Education Leasing Manager
Take Action

Reserve Your Seat

Admission is FREE — Register Today!

Seats are free but space is limited. Reserve yours now.

What are you hoping to get the most help with?

Select all that apply

What best describes your current housing goal?

How confident do you currently feel about managing your credit and finances?

How did you hear about this workshop?

Your responses help Her Next Chapter Initiative™ understand the needs of the women we serve and improve future community programs. Individual responses will be kept private and program results may be reported only in summary form.

Seating is limited — reserve your spot today!

Your information will only be used for event registration and reminders. We will never share or sell your data.

The Plan

Workshop Agenda

1:00Doors Open & Welcome
1:15Budgeting & Money Management
1:40Credit Education & Recovery
2:10Housing & Homeownership Readiness
2:35Live Q&A Session
2:50$100 Cash Grand Prize & Closing
Good to Know

Frequently Asked Questions

?Is it really free? Yes! Admission is completely free. Just register to reserve your seat.
?Can I bring a friend? Absolutely! This workshop is created especially for women. Please invite and bring another woman who is ready for her fresh start.
?Do I need to register? Yes, registration is required so we can save your seat and prepare materials.
?What should I bring? Just a notebook, a pen, and your questions. Leave sensitive documents at home.
?Is parking available? Yes, Sanger Branch Library has free parking on-site. We'll be in Meeting Room B.
?How do I win the $100 Cash Grand Prize? The $100 Cash Grand Prize will be awarded to the registered woman who brings the most qualifying guests. Each guest must register or check in under her name and remain through the conclusion of the workshop. If there is a tie, a drawing will be held among the tied qualifiers.

This workshop is educational and does not provide legal, tax, or individualized financial advice.

Our Commitment

How We Measure Impact

Her Next Chapter Initiative™ is committed to creating measurable change in the communities we serve. We evaluate our workshops through participant registration and attendance, pre- and post-workshop knowledge and confidence measures, participant feedback, and voluntary follow-up to better understand how women are putting what they learned into action.

Our goal is simple: not just to inspire women—but to help equip them to take meaningful steps toward greater financial stability, housing readiness, and long-term self-sufficiency.