Community Services and Revitalization
Go To: Credit Reports and Scores, Foreclosure/Homeownership, Calculators, Financial Planning, FAQ, Interactive Websites, Lesson Plans and Teaching Materials, HEARTH Act Information, EITC Information
A personal finance blog and guide to financial fitness. Find money and investment related articles, product reviews, reccommended links, authors and much more! You may be interested in these topics as you begin to exlopre the extensive Money Crasher website; overlooked tax deductions, extreme couponing, investing for beginners, how to make a budget, side business ideas, and lowering the cost of your smartphone.
Credit Reports & Scores
Ask Doctor Debt; A free & confidential resource to help consumers find solutions to credit & debt issues.
Credit Score Quiz; Check your knowledge of credit scores & what they mean.
Credit Reports & Credit Scores; Answers to common questions about credit reports & how to correct errors in credit reports.
New Rules on Credit Decisions & Notices; Information on the new federal rules that help consumers understand notices they may receive when credit reports or credit scores affect a decision to grant credit.
Secrets to Maintaining a Healthy Credit Score; There are all kinds of ways to measure health. But beyond cholesterol count, blood pressure and body mass index, do not discount the importance of credit score to your overall financial well-being.
Foreclosure and Homeownership Resources
Tips to avoid foreclosure scams
Glossary of Mortgage and Foreclosure Terms
Making Home Affordable Program from the US Treasury Dept; Making Home Affordable is a key part of the Obama Administration's effort to help homeowners avoid foreclosure. If you are struggling with your monthly mortgage payments or have already missed a payment, now is the time to take action. Start today by learning more about the options available to you through MHA.
Risk of Foreclosure Booklet; HUD has compiled information in this booklet to guide & assist individuals at risk of foreclosure.
Basic Family Budget Calculator; This calculator compiles the costs of essentials (housing, food, child care, transportation & health care) in different regions of the country to provide an estimate of how much income families need.
Credit Card Repayment Calculator; This calculator will estimate of how long it will take to pay off existing credit card balances.
Power Pay 5.0; Planning tools & calculators to get out of debt, save, & make a spending plan.
Adjustable Rate Mortgage Calculator; Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.
Amortization Calculator; When you have a large loan (like a mortgage) a portion of every payment is applied to the interest and the principal balance. An amortization schedule reveals the specific monetary amount put towards interest the principal. Initially, a large portion of each payment is devoted to interest, but as the loan matures larger portions go towards paying down the principal, use this calculator to see how long it will take you to pay off your mortgage (or other large loan).
Compound Interest Calculator; If you want to know how much interest you will earn on your investment or if you want to know how much you will pay above the cost of the principal amount on a loan or mortgage, you will need to understand how compound interest works. Until then, start with this easy calculator to see how much you can earn (or pay) in compounding interest over time.
Retirement Calculator; This pre-retirement calculator will help you determine how well you have prepared & what you can do to improve your retirement outlook. It is important that you re-evaluate your preparedness on an ongoing basis.
403(b) Savings Calculator; A 403(b) can be a great tool for creating a secure retirement. It offers two important advantages; you only pay taxes when money is withdrawn & many employers provide matching contributions. 403(b) plans are only available for employees of non-profit organizations like colleges, schools, hospitals, etc.
Financial Planning Resource Kit; Resources & tools to help people learn about financial planning.
Emergency Financial First Aid Kit; A tool to assist in maintaining financial stability in the event of an emergency by helping to identify & organize key financial records, & providing a quick reference file
for key financial documents.
Financial Wellness in 30 Steps; A 30-step path to financial wellness- provides information needed to create successful strategies & improve financial well-being.
Federal Deposit Insurance Corporation's (FDIC) Money Smart; A training program to help adults outside the financial mainstream enhance their money skills & create positive banking relationships.
The SEC’s “Your Money” Podcast; Helps individuals achieve saving & retirement goals.
360 Degrees of Financial Literacy; Helps Americans understand their finances in every stage of life.
HelpWithMyBank.gov; This site answers over 250 common banking questions, provides information about contacting regulators of banks and other financial institutions, and includes an online complaint form for bank customers wishing to register their concerns. Also available in Spanish.
Federal Reserve Consumer Help; Offers consumer guides & recommendations concerning checking accounts, consumer credit, consumer protection laws, credit reports, deposit insurance, electronic banking, foreclosures, home mortgages, & small business.
USDA Personal Finance; For quick questions or basic information about credit, health finance, home ownership, insurance, legal topics, retirement planning, saving, investing, & estate planning. Also includes a glossary of personal finance terms.
Life Cycle Series; a series of brochures by the IRS to address many tax questions individuals may have over the course of their lives.
For Youth and Young Adults
The Mint.com; Resources to help people manage their money. Geared towards Gen X & Y.
GenI Revolution; Developed for middle school and high school students, this online game gives students the chance to learn important personal finance skills and compete against classmates. The game includes fifteen Missions in which students attempt to help people in financial trouble. This website also includes resources for other teaching opportunities.
Interactive Games & Stories for Children; These website provide children & teens with information to understand the value & worth of money. Parents can help their children by reading stories & playing the games. Educators can incorporate the suggested lesson plans into classes.
Building Wealth; Educational booklet for young adults about wealth-building strategies, setting financial goals, budgeting, saving, investing, managing debt, & understanding credit reports & scores.
A Kid's Guide to Money; An interactive workbook for children to teach them responsible money management. Appropriate for children ages 8-12. Additional teaching resources can be found at the Federal Reserve Bank of Cleveland's Teaching Resource webpage.
Peter Pigs Game; Teaches children to make small change into big savings.
Money Metropolis Game; Teaches children how to save for goals.
The Secret Millionaires Club; An educational extension of the popular animated Secret Millionaires Club series featuring a group of students who learn about business and finances.
The Great Piggy Bank Adventure; A Disney game that helps children understand the importance of financial education.
Consumer Financial Protection Bureau Online; The Consumer Financial Protection Bureau has compiled a list of resources for consumers who have questions about their rights or need to lodge a complaint.
Finance Wand; Articles about everyday finance quandries.
Financial Quiz;Find out how much you know about finances and how you can improve!
Bill Shrink; A free cost-savings tool that works continuously to help people save money on everyday expenses.
The Beehive; Online resource for families. Topics include money, health, jobs, school & housing.
Survival Insight; Provides support & solutions to challenges resulting from financial difficulties- articles & advice about problems directly or indirectly related to money.
Practical Money Skills; Financial literacy for everyone, sponsored by VISA
Hands on Banking; Offers basic money tools, skills, and information to build credit, investments, own a small business, a home, a car, or higher education.
Financial Literacy Now Tools & Tutoring; McGraw-Hill sponsors this interactive Web site with financial education tools, tutorials, resources, videos, & games.
Shop and Save…at the Bank; A Buyer’s Guide to Finding the Right Loan, Credit Card or Deposit Account; a consumer report from the FDIC.
Dept of Financial Institutions' Bank and Credit Union Help Center; The Kentucky Department of Financial Institutions (DFI) works to protect you by examining banks and credit unions to ensure they are safe and sound. We want you to have the knowledge to select and use depository products wisely and responsibly.
AARP’s 99 Great Ways to Save $. Americans are looking for ways to shave dollars and dimes from their daily expenses. For a lively list of tips read AARP’s 99 Great Ways to Save $.
Work@50+ is a set of Career Tools & Resources for job seekers who are 50 years and older like Job Tips for 50+ Workers and the Work Search webpage.
Lesson Plans and Teaching Materials for Community Organizations and Educators
Financial Coaching Strategies; Use this website to find resources and tools for those who practice Financial Coaching. Financial Coaching is a method to increase individuals’ financial literacy and is distinct from counseling, advising, or teaching.
Saving Our Futures: A Program for Young People; Online curriculum in English & Spanish to teach middle and high school students about financial responsibility and smart money management.
America Saves Week Education Materials; Use these materials to reach current or potential clients participate in savings and wealth building programs.
Working In Support of Education (w!se) Programs; These programs are geared toward helping students build financial literacy, foster business entrepreneurship, and prepare for college.
Financial Literacy Resource Directory; Find information on financial literacy resources, issues & events that are important to bankers, organizations, and consumers. This directory includes descriptions and contact information for government programs on financial literacy.
AssetPlatform; Offers information, training, and resources for nonprofit organizations that provide financial education, coaching or asset development services.
My Money; Organizes financial education help from over 20 different Federal web sites.
Federal Reserve Resources; View, print, or order resources for students and the public.
Learning Materials from FINRA; Provides knowledge, skills & tools for financial success throughout life.
Money Management Tools; Turning dreams into goals- from Community Action Partnership & the National Endowment for Financial Education.
The Search Institute; Seeks to help families, schools, & communities make the world a better place for kids.
Asset-Building Checklist for Organizations
Mentoring Hard-to-Reach Kids
NEFE High School Financial Planning Program; Offers seven core competencies for students to learn how to manage their money & to create their own financial strategies.
Port Jobs offers many financial mentoring workbooks and teaching modules such as; Saving for Your Future, Developing a Spending Plan, and Car Insurance, Are you Protected?.
HEARTH Act Implementation
Earned Income Tax Credit (EITC) Information
Money Talks Outreach Tools; Flyers in 21 languages, envelope stuffers & posters, VITA Site Checklist, Sample Press Release, EITC & CTC Benefit Amounts, "10 Ways Flyers" with ideas for how partners can promote tax credits.
Financial Education Guide for VITA Sites; An important element of many successful EITC campaigns is connecting workers to asset-building opportunities. Financial education, asset-building tools, safe financial products, credit repair resources, and more can help families use their returns to build assets.
Sample tweets; use these tweets if you have a twitter account or for Facebook status updates.
Q&A Brochure; (in English and Spanish) this 12 page brochure is used as an educational tool and handout at IRS Taxpayer Assistance Centers, seminars, workshops, businesses, libraries and other public places to promote awareness EITC eligibility requirements.
General IRS EITC Brochure
Eligibility Requirement Poster and Checklist; these posters are designed for tax return preparers and other professionals to explain EITC eligibility requirements.
Outreach Tools: Download outreach materials for the "Your Money. You Earned It. Now Claim It!" Tax Credit Outreach Campaign.
Working Family Tax Credits Interview Clips with Alan Berube;