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
Budgeting Basics2019-07-25 July 25, 2019Manage your MoneyONLINEStatewide
Let’s Talk About Credit2019-08-01 August 01, 2019Manage your MoneyONLINEStatewide
Budgeting Basics2019-08-21 August 21, 2019Manage your MoneyBoothbay HarborMidcoast
My Money Works2019-07-30 July 30, 2019
(ends August 27, 2019)
Manage your MoneyONLINEStatewide
Budgeting Basics2019-09-17 September 17, 2019Manage your MoneyLewistonWestern
My Money Works2019-09-05 September 05, 2019
(ends September 26, 2019)
Manage your MoneyBangorNorth Central/Downeast
Your Money Personality2019-10-03 October 03, 2019Manage your MoneyLewistonWestern
Clean Up Your Credit2019-10-21 October 21, 2019Manage your MoneyBethelWestern
Your Money Personality2019-10-22 October 22, 2019Manage your MoneyTurnerWestern
Budgeting Basics2019-10-23 October 23, 2019Manage your MoneyLewistonWestern
Your Money Personality2019-11-07 November 07, 2019Manage your MoneyOxfordWestern
Your Money Personality2019-11-13 November 13, 2019Manage your MoneyLewistonWestern
Clean Up Your Credit2019-11-14 November 14, 2019Manage your MoneyOxfordWestern
Budgeting Basics2019-11-21 November 21, 2019Manage your MoneyOxfordWestern
My Money Works2019-11-18 November 18, 2019
(ends December 09, 2019)
Manage your MoneyLewistonWestern