OUR MISSION
To serve low-income individuals and families to empower them to achieve financial stability.
ABOUT
Life OnTrak is a 501(c)3 nonprofit organization that has served the Bay Area and Greater Sacramento Region since 2011, providing financial coaching and training and credit education through our local partners who work with economically disadvantaged individuals.
PROGRAMS & SERVICES
Organizational Training
Life OnTrak offers financial training programs to regional businesses and nonprofit organizations who work directly with clients experiencing financial difficulty. Through 1-3 days of in-office training, staff members will gain the knowledge necessary to navigate the client’s financial needs.
Training areas include:
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Debt Management
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Budgeting
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Financial coaching
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Credit Restoration
Workshops and 1:1 Services
Life OnTrak also holds workshops to groups and individuals who are looking to improve financial stability for themselves and for others. Direct 1:1 services and workshops will cover a variety of financial topics that are practical and applicable to all levels of financial stability.
Topics for workshops include:
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How To Find Free Money - Budgeting & Savings
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Credit & Debt Counseling
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Credit Education
OUR TEAM
Shandra Thomas
Executive Director and co-founder
Shandra brings 27 years of financial experience in order to best serve those in need of financial direction. While working closely with groups and individuals, Shandra has developed multifaceted training and counseling programs that result in complete financial independence for the community at-large.
Shandra is an Accredited Financial Counselor, Financial Fitness Coach, Certified Credit Counselor, Certified Student Loan Counselor, Financial Coaching and Counseling Trainer, and Licensed Real Estate Agent.
Carolee Burse
Program Director and co-founder
Carolee brings more than 20 years of financial experience to the Life OnTrak team. With a clear understanding of the credit industry and an extensive network of partnerships, Carolee has educated individuals from all over the region on the importance of credit. Her targeted focus is tailored to the individual’s needs, helping them reach a debt-free life.
Carolee is a Certified Credit Counselor and Credit Report Specialist.
Our impact is measured by tracking an individual’s finances: credit score, debt amounts, income, savings and expenses. We give individuals the right tools and education to help them better manage their financial goals. We don’t believe in temporary solutions--we want to empower individuals, so they can be financially stable and independent.
Life OnTrak has served over 4,000 people and has a track record of over 40,000 hours of financial coaching and counseling.
Impact
With Life OnTrak’s financial methodology:
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31% of individuals have reached at least a credit score of 650;
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15% of individuals have reached a credit score of 700 and above;
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65% have acquired a debt to income ratio (DTI) of 40% or below--some reaching 0%.
SUPPORT US
Giving Starts with You
By donating to our mission, we can strengthen the financial futures of low-income individuals today and tomorrow. Your generous contribution help us sustain our programs and services provided to our partners and give economically struggling people the opportunity to develop financial knowledge and independence. Together we can empower everyone to succeed financially for life.
If you would like to be a sponsor
Partnerships for a Brighter Future
Our partners are part of the engine that makes our work possible. Our incredible collaborators strengthen our ability to engage individuals in need of financial counseling and credit education, providing them the opportunity to build a better financial future.
Our programs offer two distinct paths to helping financially struggling individuals: Life OnTrak can directly administer in-house one-on-one financial coaching and education workshops, and also deliver partner training to teach the skills and knowledge to offer financial coaching.
If you would like to partner with us, email our Executive Director, Shandra Thomas, to see how Life OnTrak can provide you with a holistic approach to helping the people you already serve.
Our Partnerships
Community Action Marin
San Mateo Community College District @ Skyline College
Fairfield-Suisun Unified School District
Fighting Back Partnership
United Way (UWBA, UWCCR)
Children’s Network of Solano County
Small Business Development Center- Contra Costa County
Sacramento Public Library
Juma Ventures
NerdWallet
Marin Employment Connection
Travis Credit Union
Dream Catchers
Community Financial Resources
Marin County Community Development Co.
Cottage Housing of Sacramento
Volunteers of America - Sacramento
San Jose City Community College District @ San Jose City College & Evergreen Valley College
Sacramento State University
Contact
Mailing Address:
69 Lincoln Blvd., #A216
Lincoln, CA 95648
*Please note: We do not currently have the capacity to serve individuals outside of the Greater Sacramento Area. If you are in need of assistance in your area, please dial 2-1-1 from your phone to reach your local United Way office. They may be able to direct you to an agency that provides local Financial Coaching.