Our Services

Money can and should be used as a vehicle that helps us get to where we want to go. Money helps us attain some of our most basic needs (i.e. food, shelter, healthcare, etc.). Unfortunately, a person’s well-being can suffer if they lack or mismanage money. Many people, from all walks of life, are faced with financial challenges. These challenges can be overwhelming, stressing and leave some feeling helpless.

Fortunately, there are strategies and action steps available to help overcome personal financial challenges.

Personal Finance and Money Management at Upstream United aims to motivate and encourage people to build and share positive financial behaviors that impact their lives and that of their families, friends and community.

We collaborate with organizations to provide impactful financial education.

Our workshops are designed to engage and educate participants about personal finance and money management. Amongst others, outcomes include increased or renewed knowledge of credit scores/reports, efficient and effective budgets and savings strategies.

Learn effective strategies, participant in real-life scenarios and develop a deeper understanding of how to build savings, reduce debt and strengthen your credit worthiness to enable wealth building.

Join in the movement towards debt freedom and financial empowerment!

Annual Financial Health Check-Up

Get a deep analysis of current financial standing: savings, expenses, debt, insurance, retirement planning, educational goals, short-term and long-term aspirations.

All About Banking

Certificate of deposits, APY ( annual percentage yield), compound interest, savings/checking accounts, return item fee, overdraft fee, direct deposits, bill pay, automatic transfers

Automate Your Finances

Build a system that helps you save more, manage your everyday living expenses and invest for the future.

Credit Audit & Repair (Bundle Option)

Learn strategies to boost or repair your credit scores. Services includes an audit, analysis and evaluation of current finances, habits, savings, expenses, debt current money management systems in place, unique needs and personal goals. Development a personal system to manage your finances.

Credit 101: Understanding Credit and your Credit Score

Increase your knowledge about credit. Learn all about credit reporting agencies, credit scoring models, versions, the difference between your credit report and your credit score

Manage and Reduce Debt

Target and eliminate debt at your own pace. Pay off your debt faster with less costs. Learn about best practices and effective methods to cut your debt.

Overcome Student Debt

Manage student debt and monthly payments with these important steps. Learn effective strategies to control student debt during the repayment process.

Pathways to Financial Freedom

Gain a clearer perspective on your financial goals. Discuss the importance of setting S.M.A.R.T financial goals and examples of goals that are related to priority concerns of many people ( i.e. income, savings, retirement and debt.

Rebuild My Credit

Learn how to read and understand information presented on your credit report and strategies to user to dispute errors, missing information and erroneous data. Support in identifying negative items that may be hurting your credit score.

STRESS FREE -Balanced Budgets

Services include an review of your current finances, financial habits, debt management, unique needs and personal goals. Take back control of your finances to cut down debt, save more and invest for the future.

S.M.A.R.T Financial Goals

Learn how to create goals that are Specific, Measurable, Achievable Realistic and Time Related