Financial Literacy Leads to Empowerment
There are many websites devoted to encouraging financial literacy. All offer resources and tools that can be downloaded for free. Some organizations provide low-cost or free financial counseling. Explore your options and take advantage of what you can. To learn about United Way's financial empowerment efforts in your community see our page on local financial initiatives.
New Jersey Citizen Action
New Jersey Citizen Action is conducting free educational workshops for clients to raise awareness of fair housing laws, consumer financial protections, predatory lending, and other financial frauds. Workshops are available in English and in Spanish.
America Saves is a campaign coordinated by the nonprofit Consumer Federation of America (CFA) and is dedicated to helping individuals save money, reduce debt and build wealth. The online tools offered on their website start with financial educational materials and information about why it is so important to set financial goals. The site is filled with resources that focus on developing saving strategies. Those who wish to may join the saving community by completing a very brief form that then gives them access to online savers tracking tools, a subscription to the quarterly American Saver newsletter and monthly e-newsletters from national experts. Blog entries include such topics as 5 Signs You Are In Financial Trouble; Positive Peer Pressure and the Envelopes in the Cupboard: Adolescents Now Prioritizing Saving; Dig Yourself Out of Debt Action Plan, and New Theme: Paying Off High-Cost Debt. Read their short but very informative publication Importance of Credit History and Successful Saving.
The Financial Planning Association
The Financial Planning Association offers an array of trustworthy, useful resources organized by life events.
Social Security Administration
The National Foundation for Credit Counseling
The National Foundation for Credit Counseling and its member agencies have developed and delivered financial education programs and counseling services to millions of Americans for nearly 60 years. Whether you decide to participate in financial education programs with NFCC educators or schedule an individual session with a certified NFCC financial counselor, you can learn how to use credit wisely and gain control of your financial future. Their website offers basic information, as well as consumer tips, videos, calculators, and other resources designed to help you boost your financial well-being. To schedule an individual financial counseling session and receive customized guidance, call 800.388.2227 or find a member agency in your area.
The NJ Coalition for Financial Education
The NJ Coalition for Financial Education is dedicated to advancing financial literacy and education throughout New Jersey and the region. The organization offers educational seminars for individuals and teachers in various locations throughout the state. The NJCFE website is filled with useful tools and resources.
The College Affordability Guide is dedicated to bringing together disparate bodies of data to produce a more holistic (but also focused) view of which colleges are likely to be the best value for the money. Use their College on a Budget tool to help you learn valuable strategies for reducing your living expenses, including common support programs that can save you money on healthcare, housing, utilities, and more.
Smart About Money
Smart About Money is a website that is funded by The National Endowment for Financial Education (NEFE), an independent, nonprofit foundation committed to educating Americans on a broad range of financial topics and empowering them to make positive and sound decisions to reach their financial goals. It was designed to help you:
- Get quick tips on budgeting, reducing debt, setting financial goals, and more
- Find a wealth of information to help you with all of life's financial challenges whether you are starting your first job or getting ready to retire
- Locate information on a broad range of financial topics contributed by many organizations throughout the U.S.
Take Charge America
Take Charge America has been committed to helping people around the country improve their financial futures for 25 years. The staff works with individuals and families facing a variety of financial challenges to help them achieve self-reliance, financial stability, and financial independence. Services include:
- Financial education
- Credit counseling
- Debt management
- Student loan support
- Pre-bankruptcy counseling
- Housing counseling including foreclosure prevention counseling, pre-purchase counseling, reverse mortgage counseling
Financial Education for Military Personnel
Wells Fargo has joined forces with the National Foundation for Credit Counseling (NFCC) and is working within the Foundation's Sharpen Your Financial Focus initiative to bring the Hands on Banking for the Military financial education program to service members in the continental United States. In addition to the group education designed to keep military personnel and their families on a path to financial stability, NFCC Certified Financial Professionals are ready to provide one-on-one personalized financial reviews, budget planning and concrete solutions to pressing financial concerns.
Military and veteran groups wishing to have a representative teach a class, or individuals interested in scheduling a one-on-one financial review with an NFCC Certified Financial Professional can contact the NFCC toll-free at (855) 3-SHARPEN (855.374.2773). Learn more and find local resources.