Santa Havener – Augusta

Image of Santa

Santa Havener at work as Assistant Director at Bridging the Gap in Augusta, Maine

Santa Havener is a student in UMA’s Mental Health and Human Services degree program. She also works as Assistant Director at Bridging the Gap in Augusta, where she enjoys helping community members on a daily basis.

Setting Money Goals

Santa completed My Money Works in the Spring of 2016 to learn more about budgeting her money. One of the goals she set in the class was to develop an emergency savings account. Following the class, Santa opened a Rainy Day Savings Account with support from New Ventures Maine. Over the next 6 months, she saved $300 in her RDSA.

Preparing for Emergencies

Over the last year, Santa has used portions of her savings twice for emergency repairs to her vehicle. Her savings was matched dollar-for-dollar. Santa’s remaining account balance will be matched when another unexpected expense arises.

“As you can imagine, being a single mother, taking college courses and working part-time, the amount of funds I have to work with each month is very limited,” explains Santa. “I live paycheck to paycheck and never have much room for an emergency. With my Rainy Day Savings Account, my car repairs did not feel like emergencies.”

Next Steps

Santa’s next goal is to apply for a Family Development account, which would provide a 4:1 match on her savings.  With this account, she hopes to be able to save for larger unexpected expenses.

“This saving habit all started with taking My Money Works, which got me moving in a really good direction,” says Santa. “I would recommend the class to anyone in the community who is trying to make ends meet.”

ClassDateProgram AreaLocationRegion
Your Money Personality2019-02-21 February 21, 2019Manage your MoneyDamariscottaMidcoast
Clean Up Your Credit2019-02-27 February 27, 2019Manage your MoneyWestbrookSouthern
Your Money Personality2019-02-27 February 27, 2019Manage your MoneyAugustaCentral
My Money Works2019-02-05 February 05, 2019
(ends March 05, 2019)
Manage your MoneyPresque IsleNorthern
Clean Up Your Credit2019-03-12 March 12, 2019Manage your MoneyLewistonWestern
Clean Up Your Credit2019-03-12 March 12, 2019Manage your MoneyAugustaCentral
Budgeting Basics2019-03-14 March 14, 2019Manage your MoneyWaldoboroMidcoast
Clean Up Your Credit2019-03-18 March 18, 2019Manage your MoneyHoultonNorthern
Clean Up Your Credit2019-03-19 March 19, 2019Manage your MoneyMadawaskaNorthern
Your Money Personality2019-03-20 March 20, 2019Manage your MoneyOxfordWestern
Clean Up Your Credit2019-03-20 March 20, 2019Manage your MoneyPresque IsleNorthern
Your Money Personality2019-03-21 March 21, 2019Manage your MoneyEllsworthNorth Central/Downeast
My Money Works2019-02-25 February 25, 2019
(ends March 25, 2019)
Manage your MoneyBrunswickMidcoast
Your Money Personality2019-03-26 March 26, 2019Manage your MoneyLewistonWestern
Car Buying Basics2019-03-28 March 28, 2019Manage your MoneySouth PortlandSouthern
Budgeting Basics2019-04-02 April 02, 2019Manage your MoneyFarmingtonWestern
Budgeting Basics2019-04-03 April 03, 2019Manage your MoneyRumfordWestern
Budgeting Basics2019-04-08 April 08, 2019Manage your MoneySacoSouthern
My Money Works2019-03-18 March 18, 2019
(ends April 08, 2019)
Manage your MoneyBangorNorth Central/Downeast
Your Money Personality2019-04-09 April 09, 2019Manage your MoneyTurnerWestern
Clean Up Your Credit2019-04-09 April 09, 2019Manage your MoneyFarmingtonWestern
Budgeting Basics2019-04-09 April 09, 2019Manage your MoneySouth PortlandSouthern
Clean Up Your Credit2019-04-10 April 10, 2019Manage your MoneyRumfordWestern
Budgeting Basics2019-04-11 April 11, 2019Manage your MoneyEllsworthNorth Central/Downeast
Your Money Personality2019-04-16 April 16, 2019Manage your MoneyFarmingtonWestern
Your Money Personality2019-04-17 April 17, 2019Manage your MoneyRumfordWestern
My Money Works2019-03-26 March 26, 2019
(ends April 30, 2019)
Manage your MoneyAugustaCentral
My Money Works2019-04-23 April 23, 2019
(ends May 21, 2019)
Manage your MoneyFarmingtonWestern
My Money Works2019-04-23 April 23, 2019
(ends May 21, 2019)
Manage your MoneySouth PortlandSouthern
My Money Works2019-05-01 May 01, 2019
(ends May 22, 2019)
Manage your MoneyLewistonWestern
My Money Works2019-05-01 May 01, 2019
(ends May 22, 2019)
Manage your MoneyCamdenMidcoast
My Money Works2019-05-01 May 01, 2019
(ends May 29, 2019)
Manage your MoneyWatervilleCentral