During a time of year when money can be tight, Clanton First United Methodist Church will again offer classes by financial guru Dave Ramsey.

The classes will be held in the church’s Crossroads Café, beginning at 6:30 p.m. on Thursday, Jan. 19.

This year marks the sixth time the course has been offered at the church and the fifth time for church member William McCallum to present the course.

“We have people not only in church but in Clanton who have credit card debt and loan debt who just can’t make ends meet,” McCallum told the Advertiser. “We just want to help them grasp their finances and help them get out of debt.”

McCallum said Ramsey teaches seven steps to an improved financial condition, including:

•Saving $1,000 for an emergency fund.

•Listing all of your debt, including credit cards, car loans, student loans—everything except what you owe on your home—and paying them off, beginning with the smallest debt.

•Investing 15 percent of your household income into Roth IRAs, pretax retirement plans or other qualified savings plans, like 401(k)s.

•Saving for college for children.

•Paying off your home early.

•Building wealth and giving money.

Total cost for participants in the course, whether an individual or a family, is $93, which includes all materials, workbook and 13 audio CDs.

The first 13 people to pay for the series will receive the material for $76, McCallum said.

For more information or to register, call McCallum at 755-5334 or the church at 755-0490 or email secretary@clantonfumc.org.

Clanton FUMC is located at 207 Eighth St. N.