DreamSmart is the foundational class for all the SpendSmart teaches.  SpendSmart understands that dreaming is part of the human experience; regardless of culture, age, or ethnicity. We all dream of places we would like to go, material possessions we would like to have, how we might make a difference in this world, or something we would like to be. The DreamSmart session is designed to capture an individual’s “why”, their compelling reason to change in order to realize their dream. It introduces and uses the DreamSmart Compass©, a tool that helps the member identify his/her “True North” and remaining pointed to it.  The class encourages members to “Stay the Course” in tough times because it is easy to lose focus on one’s life ambitions, goals and dreams.