Do your New Year’s Resolutions include getting out of debt and saving money? Change your financial life for the better by attending this free seminar presented by Bay Federal Credit Union. You will learn to create a realistic budget, pay off debt faster, save money every month, and significantly improve your finances.

The class will take place from 6 pm - 7:30 pm at Cabrillo College, Student Activity Center - East, Room 225, 6500 Soquel Dr., Aptos. Limited seating available. To register, call 831-477-8427 or email your name and phone number to seminar@bayfed.com.