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 Personality2018-10-23 October 23, 2018Manage your MoneyPortlandSouthern
Your Money Personality2018-10-23 October 23, 2018Manage your MoneyPortlandSouthern
Car Buying Basics2018-10-23 October 23, 2018Manage your MoneyOaklandCentral
My Money Works2018-09-27 September 27, 2018
(ends October 25, 2018)
Manage your MoneyFarmingtonWestern
Clean Up Your Credit2018-10-29 October 29, 2018Manage your MoneyEast MillinocketNorth Central/Downeast
Budgeting Basics2018-10-30 October 30, 2018Manage your MoneyPortlandSouthern
Budgeting Basics2018-10-30 October 30, 2018Manage your MoneyPortlandSouthern
My Money Works2018-10-02 October 02, 2018
(ends October 30, 2018)
Manage your MoneyPortlandSouthern
My Money Works2018-10-09 October 09, 2018
(ends October 30, 2018)
Manage your MoneyLewistonWestern
Car Buying Basics2018-11-01 November 01, 2018Manage your MoneySouth PortlandSouthern
My Money Works2018-10-15 October 15, 2018
(ends November 05, 2018)
Manage your MoneyONLINEStatewide
Clean Up Your Credit2018-11-06 November 06, 2018Manage your MoneyPortlandSouthern
Clean Up Your Credit2018-11-06 November 06, 2018Manage your MoneyPortlandSouthern
Holiday Budgeting2018-11-07 November 07, 2018Manage your MoneyPresque IsleNorthern
My Money Works2018-10-11 October 11, 2018
(ends November 08, 2018)
Manage your MoneyBangorNorth Central/Downeast
My Money Works2018-10-12 October 12, 2018
(ends November 09, 2018)
Manage your MoneySouth PortlandSouthern
Budgeting Basics2018-11-14 November 14, 2018Manage your MoneyBangorNorth Central/Downeast
Budgeting Basics2018-11-15 November 15, 2018Manage your MoneyEllsworthNorth Central/Downeast
My Money Works2018-11-06 November 06, 2018
(ends November 27, 2018)
Manage your MoneyOxfordWestern
Budgeting Basics2018-12-04 December 04, 2018Manage your MoneyGardinerCentral
Your Money Personality2018-12-05 December 05, 2018Manage your MoneyRumfordWestern
Your Money Personality2018-12-06 December 06, 2018Manage your MoneyLewistonWestern
Clean Up Your Credit2018-12-06 December 06, 2018Manage your MoneyEllsworthNorth Central/Downeast
Your Money Personality2018-12-13 December 13, 2018Manage your MoneyLewistonWestern
My Money Works2018-11-19 November 19, 2018
(ends December 17, 2018)
Manage your MoneySacoSouthern