DALLAS (2/13/09)--The Texas Credit Union Foundation will host free, statewide "Train-the-Trainer" seminars to arm credit unions, educators, non-profit organizations and community leaders with skills to motivate youth into adopting positive savings and spending habits. The seminars will employ the National Endowment for Financial Education's (NEFE) curriculum. "There is a mounting body of evidence that suggests our youth have very little understanding of how to manage their personal finances," said Jill Pharr, executive director of the foundation. "Not realizing the importance of savings, wise use of credit, or the difference between the wants and needs can easily lead to financial disaster," she added. The program will help young people obtain a higher level of financial understanding so they avoid poor financial choices, she added. The High School Financial Planning Program (HSFPP), for use in the state's high schools, is sponsored by NEFE in partnership with the Cooperative State Research, Education and Extension Service; US Department of Agriculture, participant Land-Grant University Cooperative Extension Services, as well as the Credit Union National Association and America's credit unions. Courtney Nickles, associate director at the foundation, noted there is a tremendous demand from schools, educators and community organizations for financial education and that credit unions are taking a leadership rolein working with schools to provide the interactive, seven-unit HSFPP program. Nickels will lead seminars in Corpus Christi Feb. 20; Abilene March 20; Longview April 3; Waco May 8; Houston June 12; San Antonio July 17; Austin Oct. 16; and El Paso Nov. 13.