Low-Income Resources

Financial Assistance/Guidance

Earn.org (helps low-income families break the cycle of poverty and launch new cycles of prosperity for themselves, their families, and their community).

ModestNeeds.Org (helps individuals and families in need with grants and other assistance).

National Financial Planning Day. In October, financial planners in many states around the country offer free advice to individuals on a “no strings attached” basis.

Banking

Corporation for Enterprise Development (Info on Individual Development Accounts (IDA). Individual Development Accounts (IDAs) are matched savings accounts that help people with modest means to save towards the purchase of a lifelong asset, such as a home. Find an Individual Development Account (IDA) near you.

Credit Union National Association (Credit unions are cooperative non-profit financial institutions that lend money and offer other benefits.  Not everyone qualifies for a credit union, but you may qualify and not even know. Phone: 800-358-5710).

MyCreditUnion.gov  (Comprehensive info on credit unions)

Non-profit credit and debt counseling assistance and education

Credability.org

Consumer Credit Counseling Service

Buying a home

Freddie Mac has a program called HomeSteps, which offers incentives to help buyers as well as homeowners struggling to keep their homes.

Special Offers

Preventing foreclosure

Financial Planning

Get free financial advice by attending a Financial Planning Day event near you (every October)

Wi$eUp (Financial planning for Generation X and Y women. Check their very helpful Q&A archive that lists all the questions from readers along with answers here.

Retirement Info

Womens Institute for a Secure Retirement. The Women’s Institute for a Secure Retirement (WISER) is dedicated to the education and advocacy that will improve the long-term financial quality of life for women. They don’t offer financial assistance, per se, but great articles and info geared toward women’s unique financial needs.

Taxes

IRS.gov  (Info on the Earned Income Tax Credit, for people who earn low pay).

Free Personal Finance Classes/Online Learning

www.moneyskill.org

Free online learning-  University of Idaho

University of Idaho (free access to full semester course in personal finance)

Investing for Your Future (free online course from University of Idaho and Rutgers University

Family Finance 2005 (free online course, Utah State University)

National Financial Education Network

Money Smart  (free course on CD by FDIC, for ages 12-20. Order CD here)

Money Smart  (free podcast by FDIC)

Your Life, Your Money (1-hour video from PBS)

America Saves: (Free tools, savings services, advice and resources that help Americans from every income level)

Money Skill (online financial literacy course by the AFSA Education Foundation)

My Money (government site with lots of info and tools. Also has a women’s section).

My Money Circles (Free online boot camp and support community led by experts in personal finance)

Practical Money Skills  (free DVDs/CDs and materials here )

 

Affordable Telephone Service for Low-Income Consumers

Lifeline Benefit Program (FCC)

  • Contact the individual phone service carriers for info on their participation in the Lifeline programs. Here is more info on Verizon and AT&T’s programs.
Disclaimer: While we hope the above info is helpful, we do not endorse or make any guarantees about any organization or website mentioned or linked on this site. The links listed (and all content found on this site) are for informational purposes only. Before contacting or using any organization or website, always do your due diligence to make sure it’s right for you, and that they do what they say they do. Please see our Terms of Use.  Thank you for being a valued reader.

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