Local Programs Foster Financial Stability

Below you will find a brief description of United Way initiatives that foster financial stability. In addition to organizing their own events, local United Way offices provide funding to existing community agencies to put initiatives into action for the benefit of the individuals and communities they serve. See what local United Way initiatives are at work in your county.

Searching our Resource Database

For a comprehensive listing of programs and agencies dedicated to fostering financial stability search the NJ 2-1-1 database located at the top of this page using the "Need/Topic" terms financial counseling or family success centers.

Atlantic County

The United Way of Greater Philadelphia and Southern New Jersey in Atlantic County supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Through an initiative known as the Impact Fund and the Lubert Individual Development Accounts (IDA) Program, this United Way is also helping residents save money to achieve long-term goals. The Lubert IDA Program is a savings program that helps working individuals save for post-secondary education or their first home; assets that will help secure their long-term financial stability and security. By matching the investments of participants, the United Way helps them to establish a pattern of regular saving and provides participants with financial education, covering topics such as establishing good credit, budgeting and long-term money management skills.

Bergen County

Bergen County's United Way has a very active housing support initiative that is dedicated to working with community partners to secure affordable housing, a job search support program devoted to helping job seekers and a highly personalized assistance program known as the Compassion Fund. The organization also supports free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

The Very Special Homes Project works with the Madeline Corporation to create quality and sustainable, affordable housing that will affect the lives of the working families, veterans, older adults, and individuals with developmental disabilities who call these places home. 

The Compassion Fund is the largest source of direct and timely financial assistance for people struggling to make ends meet in the Bergen County community. Direct service includes help paying a utility bill to prevent a shut-off, a rent payment to prevent eviction, and other emergency and urgent needs that help stabilize the crisis. 

Burlington County

The United Way of Greater Philadelphia and Southern New Jersey in Burlington County supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Through an initiative known as the Impact Fund and the Lubert Individual Development Accounts (IDA) Program, this United Way is also helping residents save money to achieve long-term goals. The Lubert IDA Program is a savings program that helps working individuals save for post-secondary education or their first home; assets that will help secure their long-term financial stability and security. By matching the investments of participants, the United Way helps them to establish a pattern of regular saving and provides participants with financial education, covering topics such as establishing good credit, budgeting and long-term money management skills.

Camden County

The United Way of Greater Philadelphia and Southern New Jersey in Camden County supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Through an initiative known as the Impact Fund and the Lubert Individual Development Accounts (IDA) Program, this United Way is also helping residents save money to achieve long-term goals. The Lubert IDA Program is a savings program that helps working individuals save for post-secondary education or their first home; assets that will help secure their long-term financial stability and security. By matching the investments of participants, the United Way helps them to establish a pattern of regular saving and provides participants with financial education, covering topics such as establishing good credit, budgeting and long-term money management skills.

Cape May County

The United Way of Greater Philadelphia and Southern New Jersey in Cape May County County supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Through an initiative known as the Impact Fund and the Lubert Individual Development Accounts (IDA) Program, this United Way is also helping residents save money to achieve long-term goals. The Lubert IDA Program is a savings program that helps working individuals save for post-secondary education or their first home; assets that will help secure their long-term financial stability and security. By matching the investments of participants, the United Way helps them to establish a pattern of regular saving and provides participants with financial education, covering topics such as establishing good credit, budgeting and long-term money management skills.

Cumberland County

The United Way of Greater Philadelphia and Southern New Jersey in Cumberland County supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Through an initiative known as the Impact Fund and the Lubert Individual Development Accounts (IDA) Program, this United Way is also helping residents save money to achieve long-term goals. The Lubert IDA Program is a savings program that helps working individuals save for post-secondary education or their first home; assets that will help secure their long-term financial stability and security. By matching the investments of participants, the United Way helps them to establish a pattern of regular saving and provides participants with financial education, covering topics such as establishing good credit, budgeting and long-term money management skills.

Essex County

United Way of Northern New Jersey Family Success Center serves communities of northern Essex County: Caldwell, Cedar Grove, Essex Fells, Fairfield, Glen Ridge, Livingston, Montclair, North Caldwell, Roseland, Verona, and West Caldwell. The mission of the Center is to ensure all North Essex families and individuals are supported on their path to self-sufficiency. Through partnerships with local businesses, service providers, and faith-based institutions they provide educational programs to assist individuals in developing personal goals and action plans that promote financial stability and help North Essex residents understand and utilize the resources available to them. To this end, the Center helps residents-in-need apply for food stamps, NJ FamilyCare, and other subsidized health care programs and offers financial counseling.

The Center's financial literacy seminars offer classes for children ages 3 through adulthood that focuses on budgeting, saving, building credit, and more. United Way works with community partners to provide free tax preparation, while also helping low- and moderate-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit. The Center also has an employment resource center designed to help residents obtain jobs by offering career counseling, workforce development workshops, and computer training. Further assistance is provided through their maintenance of a listing of local jobs in an effort to help North Essex residents find employment close to home.

The Family Success Center is located in Montclair at 60 South Fullerton Avenue, Room 205. It is open Monday through Friday from 9:00 am to 5:00 pm. Residents are encouraged to meet with coordinators to discuss their unique needs. While appointments are suggested, they are not required. Spanish speaking staff is available throughout the week. Call 973.746.4235 to learn more.

United Way of Essex and West Hudson covers a population of approximately 700,000 in 13 communities in Essex County and western part of Hudson County: Belleville, Maplewood, East Newark, Newark, East Orange, North Arlington, Harrison, Nutley, Irvington, Orange, Kearny, South Orange and West Orange. The United Way of Essex and West Hudson Financial Empowerment Center forgest the pathway to financial stability by empowering community members. The Key Initiatives of the Financial Empowerment Center are Volunteer Income Tax Assistance (VITA), Financial Literacy Workshops, Credit Counseling, and FAFSA prep. 

Gloucester County

The United Way of Gloucester County supports local agency work that fosters self-sufficiency. See a listing of local agencies and the programs that are funded. The Woman United community initiative celebrates the power of women to bring positive change in our community through philanthropy and service.

Hudson County

United Way of Hudson County is dedicated to addressing the problem of homelessness. For years the organization has supported the work of homeless shelters in the community and is an integral part of the team assembled to end chronic homelessness in Hudson County by increasing job and self-sufficiency skills of citizens as they work to enhance permanent housing opportunities in Hudson County.

United Way of Essex and West Hudson covers a population of approximately 700,000 in 13 communities in Essex County and western part of Hudson County: Belleville, Maplewood, East Newark, Newark, East Orange, North Arlington, Harrison, Nutley, Irvington, Orange, Kearny, South Orange and West Orange. The United Way of Essex and West Hudson Financial Empowerment Center forgest the pathway to financial stability by empowering community members. The Key Initiatives of the Financial Empowerment Center are Volunteer Income Tax Assistance (VITA), Financial Literacy Workshops, Credit Counseling, and FAFSA prep. 

Hunterdon County

United Way of Hunterdon County provides financial coaching to individuals and organizes financial literacy workshops in an effort to improve financial stability to individuals in need. Read more about these initiatives.

The Hunterdon Diaper Bank (HDB) centralizes the fundraising and distribution of free diapers to ALICE families through existing service providers, including local food pantries, daycare centers, social service agencies, and shelters. Through a Diaper Distribution Network (DDN) HDB will provide free diapers monthly to ALICE families in Hunterdon County.

United Way of Hunterdon County also engages local businesses, organizations, schools, families, and individuals to "adopt" those in need during the holidays through their Holiday Hands Program and provides free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Mercer County

United Way of Greater Mercer County builds economic security and self-sufficiency by promoting an understanding of the benefits of filing for EITC and then maximizing EITC returns by developing an asset building program with community partners through its United Financial Empowerment Partnership. Their partner in this initiative is the Mercer Alliance to End Homelessness

Middlesex County

United Way of Central Jersey supports financial literacy for all families and individuals including asset building, credit counseling, knowledge of budgeting, personal finance, home buyer classes, responsible tenancy, tax filing assistance services, etc. For information about current programming call 732.247.3727.

Monmouth & Ocean Counties

United Way of Monmouth and Ocean Counties has opened Financial Success Centers (FSCs) throughout the region that provide comprehensive resources under one roof to help Monmouth and Ocean County residents move from financial difficulty to economic well-being. They are designed to assist anyone who wishes to move forward financially or create more economic balance in their lives. Our tools help individuals and families work towards their financial goals, and services are customized to meet their needs. 

FREE services include access to financial coaching, benefits screening, application assistance (SNAP, utility assistance, child care subsidies), budgeting and money management, and housing resources (rent search assistance, reverse mortgage counseling, home purchase counseling and foreclosure counseling). 

Morris County

United Way's Center for Financial Growth offers a variety of services to help northern New Jersey families and individuals gain the tools needed to achieve financial stability. Visit their website to learn all about their work to promote affordable housing, encourage employment, provide financial stability through their mentoring program, educate through financial workshops and help eligible residents benefit from earned income tax credits.

The local Northern New Jersey Saves campaign motivates community members to begin building savings and assets.

Passaic County

United Way of Passaic County's Financial Empowerment Zone (FEZ) helps individuals and families attain and preserve assets, become more financially stable, and achieve long-term economic independence. They provide free tax preparation services, case management help with enrollment in income supports and financial literacy workshops to increase the financial stability among lower-income working families in Passaic County.

Get help with college costs by filing a FAFSA (Free Application for Federal Student Aid). On Tuesdays and Thursdays (from 10:00am-4:00 pm) the United Way of Passaic County in partnership with the Paterson School Board, Paterson Guidance Counselors and College Financial Aid Counselors is providing one-on-one service to parents and students, by helping them apply for financial assistance with college tuition through the FAFSA process. Once the application is filed they also provide follow-up assistance on additional sources of funding, verifications and corrections, review of reward letters and other financial considerations. Get the help you need by calling Paula Smalling at 973.279.8900 (extension 204) to schedule an appointment. Appointments are required to meet with a counselor.

Salem County

United Way of Salem County supports free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Somerset County

United Way Center for Financial Growth provides education to help families and individuals achieve financial independence. Working with community partners, they provide a variety of services including:

  • Access to local resources that provide advice on financial issues including credit, housing, employment, and more
  • Credit repair and counseling with consumer credit counselors who work with residents to develop a personalized action plan to pay down debt or build credit
  • Financial coaching to help people develop a personalized plan to meet their financial goals
  • Financial education through workshops and training on vital financial topics
  • Savings and asset building - by developing a savings plan that works exclusively for them, residents set and accomplish financial goals
  • Free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit

To learn more about this initiative call 908.253.6516. Visit Northern NJ Saves for more saving tools and resources for residents of Somerset County.

Sussex County

United Way of Northern New Jersey supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.

Union County

United Way of Greater Union County partners with non-profits and government agencies throughout the county to help deliver the human services the community needs including programs that help people build the job skills and knowledge necessary for them to attain financial independence and stability. Over 55 organizations have joined this Community Resource Network, each one filling a vital role connecting the individuals and families of Union County, North Plainfield, and South Plainfield to the support they require.

Warren County

United Way of Northern New Jersey supports the work of local agencies dedicated to fostering self-sufficiency and promotes free tax preparation that helps low-income residents capitalize on specialized tax credits like the Earned Income Tax Credit, Child Tax Credit, and the Education Tax Credit.