Transform Your Finances, Transform Your Life

Smart Money Changes Everything is a Financial Wellness brand on a mission to enpower families and organizations with hope and a future, through

financial literacy services and resources:

_{Inspiring, motivating, and transforming financial literacy programming, delivered in-person and online}
_{Expert design and delivery by a highly qualified Accredited Personal Financial Instructor}
_{Proven financial literacy education curriculum, tested by thousands of compliance departments}
_{Education and content that bridges the gap between theory and real-world application to achieve positive long-term outcomes and lasting change}

What Difference Would a Financial Literacy Education Have Made in Your Life?

Without having the knowledge, skills, and confidence to make important financial decisions, you can make very costly mistakes. But there is a better way than learning the hard way.

Are You Struggling With:

Living paycheck to paycheck?
Having insufficient emergency savings?
Drowning in debt?
An inability to reach your goals?
Low credit scores?
Indecisiveness and overwhelm?
Lack of financial confidence and direction?
Not knowing where to start to improve your financial situation?
Feeling confused, uncertain, undisciplined, and unsuccessful
The inability to teach your children how to be financially secure?

Discover the

Smart Money Changes Everything Advantage

Comprehensive Curriculum

Smart Money Changes Everything uses the comprehensive and proven curriculum of the National Financial Educators Council (NFEC), which has been approved by hundreds of compliance departments. We can design customized financial literacy programming for you, your families, or the populations your organization serves.

Highly Qualified Instructors

The instructors of Smart Money Changes Everything are among the highest qualified instructors in the financial literacy education industry, having earning the credentials of Accredited Personal Finance Instructor (APFI), Certified Financial Literacy Professional (CFLP), and Certified Financial Education Instructor (CFEI) from the National Financial Educators Council (NFEC).

Inspiring, Motivating, and Transforming Financial Literacy Education

of the highest quality and effectiveness to meet the unique needs of:

Individuals

Families

Organizations

Non-profits

Schools

Libraries

Companies

Our high-quality and effective financial literacy programming will help you:

Increase financial knowledge
Improve credit score
Make a plan to pay off debt
Develop positive financial behaviors and habits
Create money management systems
Improve financial sentiment
Build confidence
Take decisive action
Convert to SMART goals
Track your budget
Create savings plan
Switch your emotional decision-making to logical decision-making
Gain clarity on where money is going each month
Find direction on where to start on improving your financial situation

Together, We Will Unlock the Power of

Financial Literacy Today

For a More Prosperous Tomorrow

I'm Donna Cirillo

I'm an Accredited Personal Finance Instructor, Certified Financial Education Instructor, and a Certified Financial Literacy Professional.

I believe in the transformative power of financial literacy education.

I believe there is no greater reward than to help our learners develop the skills they need to achieve their financial goals so they can live their desired lifestyle and dreams.

I believe you deserve the most qualified and passionate financial educator.

I believe that smart money really does change everything!

Educator's Speaker Page

Advisory Board Member Page

While the Best Time to Start Your Journey to Financial Literacy Was

Yesterday,

The Second Best Time to Start Is..

TODAY!!!

Our Services Elevate Your Finances,

One Lesson At A Time

Whether you're looking to improve your own financial literacy or to enhance the financial well-being of the people you serve, your community, or your employees, our comprehensive services ensure meaningful, transformative results.

Accredited Personal Financial Educator

At Smart Money Changes Everything, we are committed to delivering inspiring, motivating, and transformative financial education. Our mission is to empower individuals and families with the knowledge and skills necessary to take control of their financial futures. We cover a broad spectrum of essential personal financial topics through accessible and easy-to-understand blogs, courses, memberships, communities, and other digital resources.

Live in-person and virtual courses
Online content
Online digital resources

LEARN MORE

Personal Financial Education Program Consultant

Smart Money Changes Everything specializes in providing high-quality, customized financial literacy education to individuals, organizations, non-profits, corporations, and schools.

Our process includes:

Needs discovery assessment
Program design and delivery
Final outcome-based case study report providing valuable insights into progress and program impact

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What Our Students Are Saying

Even the smallest steps in the right direction lead to significant improvements in your financial well-being.

Case Study Outcomes

Certifications and Recognitions

Accredited Personal Finance Instructor

Press Release: NFEC Lauds Top 3 Graduates of its Accredited Personal Finance Instructor Course

Advisory Board Member

New York Financial Educators Council

PRESS RELEASE : NFEC New York Chapter and Advisory Board to Boost Financial Literacy Initiatives

Certified Financial Education Instructor

NFEC Speaker's Page

Certified Financial Literacy Professional

New York Advisory Board Member Page

National Financial Educators Day Award

New York City Council Proclamation

Latest From Our Blog

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