Your Money, Your Goals - A financial empowerment toolkit for social services programs.

Here is what will happen to the complaint:  Complaint Submitted: The CFPB will screen you complaint based on several criteria. ...

 Review and Route: If a particular complaint does not involve a product or market that is within the Bureau’s jurisdiction or t ...

The Consumer Financial Protection Bureau (CFPB) has prepared this material as a resource for the public. This material is provid ...

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MODULE 4: Emotional and cultural influences on financial decisions Everyone has situations where they know what they think they ...

about money, they tend to swing too far in one direction or the other. The best approach takes a middle path – talk to both head ...

Cultural conflicts Sometimes, you will find that clients are caught in the middle of cultural conflicts around money. Their fami ...

 “What do you want your children to learn about money? What do you think they are learning from you now?” It’s often difficult ...

MODULE 5: Using the toolkit How does it work? At this point you may be wondering: How am I ever going to find the time to add fi ...

Integration Integration of financial empowerment means identifying where and how you can weave financial empowerment information ...

Tool 1: Client financial empowerment checklist This financial empowerment checklist can help you:  Identify the financial empow ...

Client Name: ____ or date Tool Notes and referral information Module 6: Setting goals—Does the client have clear goals? Is the c ...

When cash is short: prioritizing bills and spending Module 10: Managing cash flow—Is the client able to make ends meet each mont ...

Basic definitions of financial services Opening an account checklist Module 14: Protecting consumer rights—Does the client know ...

MODULE 6: Setting goals Every person or family has a different idea of the future they want to build. Some of the ideas they hav ...

Setting goals helps you to:  Work toward making your future better  Prioritize how you spend your money so that it goes toward ...

Ask yourself: By what date must this goal be reached? Goals should have a clearly defined time frame, including a target or Time ...

Turning goals into savings targets For goals that require money to reach, you will want to know: How much should I save every we ...

After doing these examples, did you notice how the three pieces of information (total amount of savings, number of weeks, and am ...

Once you have your savings goal, be sure to add it into your budget or cash flow budget. For more information on cash flow budge ...