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

(^) (^) Week 1 // Week 2 // Week 3 // Week 4 // Total by source Regular Irregular Seasonal One-time Child support Gift Tax refun ...

...

Tool 2: Strategies for increasing sources of cash and financial resources If you feel like you may not have enough income and ot ...

if option for you Strategy for increasing sources of cash and financial resources Information or resources you need to access th ...

Once you have identified strategies for increasing income, adjust your cash flow—see Module 10: Managing cash flow. This Tool is ...

...

Tool 3: Cash, paychecks, direct deposit, payroll cards, and EBT—understanding the benefits and risks Salaries, wages, and public ...

Definition Benefits Risks Cash Paper or coin money minted by the U.S. Government Accepted everywhere Not subject to garnishment ...

Direct deposit Employee pay is electronically routed to your bank or credit union account or your own prepaid card without the u ...

Electronic benefit transfer (EBT) card EBT cards replace paper-based benefits for programs such as Temporary Assistance to Needy ...

Resources For MyMoney.gov budgeting resources, visit: http://www.mymoney.gov/Fast/Pages/Results.aspx?k=Budgeting%20worksheets&am ...

This Tool may ask you to provide sensitive personal and financial information. The CFPB does not collect any information from yo ...

MODULE 9: Paying bills and other expenses Needs, wants, and obligations Needs, wants, and obligations are all things you spend m ...

Separating out needs, obligations, and wants can be challenging because what one person may view as a want, another person may s ...

 Credit cards  Automatic debit  Online bill payment With information about the advantages and disadvantages of each method of ...

Check Convenient once the checking account is set up at a bank or credit union. Can be mailed, so more convenient than cash. Eas ...

Online bill payment Convenient. You may have the option to automate outgoing payments or manually make the payments using your b ...

Action Some potential consequences Five days past the due date for your rent Pay the late fine as outlined in your lease agreeme ...

Finally, after you have examined the consequences of not paying or paying bills late, and have called your creditors, make a sho ...

Your rights in debt collection The Fair Debt Collection Practices Act (FDCPA) says debt collectors may not harass, oppress, or a ...