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Financial Management

Whether you have a bleeding disorder yourself or are a caregiver to someone with a bleeding disorder, you may find yourself in a position of having “more months than money” or struggling to create savings for unexpected expenses. This list includes financial planning resources about money basics, saving and spending plans (budgeting), debit and credit, increasing income, reducing expenses, and red flags to look out for.
Resource NameURLDescriptionTags
FINANCIAL RESILIENCE CENTERhttps://www.nationaldisabilityinstitute.org/financial-resilience-center/The Financial Resilience Center offers tips for money management plus information about stimulus funds, employment, unemployment, public benefits, money management, housing, food, and more. Users can get free financial counseling or coaching.employment, government benefits, housing, utilities, food, healthcare, mental health, taxes, identity theft, unemployment
CONSUMER FINANCIAL PROTECTION BUREAU https://www.consumerfinance.gov/Consumer Financial Protection Bureau provides information, steps, and tools for various financial topics.
o Financial Empowerment Toolkit: https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_financial-empowerment_toolkit.pdf
o Behind on Bill Guide: https://files.consumerfinance.gov/f/documents/cfpb_ymyg_behind-on-bills_print.pdf
o Guide to Building Emergency Fund: https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/
o Savings Booklet: https://www.consumerfinance.gov/f/documents/cfpb_ymyg-savings-booklet.pdf 		credit, debt, education, planning, budget
FINANCIAL RESILIENCE CENTER FROM THE NATIONAL DISABILITY INSTITUTE https://www.nationaldisabilityinstitute.org/financial-resilience-center/The Financial Resilience Center provides trips for money management as well as information about employment, unemployment, public benefits, money management, housing, food, and more. A partnership with LifeCents gives you access to free online financial wellness training, while AFCPE offers you free professional financial counseling.employment, housing, food, taxes, unemployment
HFA LEARNING CENTRAL CAREER PLANNING AND FINANCIAL MANAGEMENT COURSEShttps://www.hfalearning.org/Register, log in and visit the “Planning Office”
- HFA provides information about employment rights, job searching, career planning, and financial management.		education, employment, planning
NERDWALLETwww.nerdwallet.com/Nerdwallet provides insights and tools for common money topics like banking, spending and saving, loans, credit cards, investing, and more.
- Guide for Budgeting: https://www.nerdwallet.com/article/finance/how-to-budget 		education, credit, loans, savings, banking, budget, investing
Empowerhttps://www.empower.com/Empower provides free investment tracking, financial management, and wealth management tools.education, investing
QUICKEN – BUDGET CALCULATORhttps://www.quicken.com/budget-calculatorQuicken provides a free calculator that will help you put together a budget by categorizing expenses, reviewing where your money goes, realizing your goals, and creating an emergency plan.budget, planning
YOU NEED A BUDGET (YNAB)https://www.youneedabudget.com/YNAB offers budgeting tools at a cost but has free information on their website.
- The Four Rules for Successful Budgetinghttps://www.youneedabudget.com/the-four-rules/
- Free Workshops on budgeting, overspending, credit cards, and creating a debt paydown plan: https://www.youneedabudget.com/free-workshops/ 		budget, planning, debt
FEDERAL TRADE COMMISSION’S CONSUMER INFORMATIONhttps://consumer.ftc.gov/articles/fixing-your-credit-faqsFederal Trade Commission provides the ins and outs on how to fix your credit score.credit
NATIONAL FOUNDATION OF CREDIT COUNSELINGhttps://www.nfcc.org/
- 800-388-2227
- The National Foundation of Credit Counseling provides the opportunity to speak with a nonprofit debt relief agent on how to best work on getting out of debt.		debt
CREDIT KARMAhttps://www.creditkarma.com/Credit Karma provides free credit score checks as well as personalized offers for credit cards and loans.credit, planning
JOBS AND EDUCATION FOR PEOPLE WITH DISABILITIEShttps://www.usa.gov/disability-jobs-education#item-35577USA.gov provides information about employment resources, finding a government job, employment laws, and workplace harassment/discrimination. This website also includes information about educational programs for students with disabilities.employment, education
ABLE ACCOUNTS – NATIONAL RESOURCE CENTERhttps://www.ablenrc.org/what-is-able/what-are-able-acounts/ABLE Accounts are tax-advantaged savings accounts for individuals with disabilities and their families. This website describes what they are, who’s eligible, and how to use them.planning
TIPS FOR DECREASING UTILITY BILLS AND SAVING MONEYhttps://americasaves.org/blog/1368-12-ways-to-save-energy-andmoney?gclid=EAIaIQobChMIksL_xL7z6wIVbR6tBh1ysgYsEAAYBCAAEgIUpfD_BwEAmerica Saves provides tips of ways you can make your home more energy efficient, as well as collaborating with your utility company to find known ways to save on your billsplanning
RENT-TO-OWN: COSTLY CONVENIENCEhttps://www.consumer.ftc.gov/articles/0524-rent-own-costly-convenienceThe Federal Trade Commission (FTC) issued an article on how rent-to-own works and possible alternatives. If you need furniture, appliances, electronics, or tires and wheels, but don’t have the cash or credit to buy them outright, you may think a rent-to-own store is your last option. But buying on a rent-to-own plan can cost double or triple what you would pay for the item with cash, on layaway, or on an installment plan. planning, credit
PAYDAY LOANS: BEWARE OF THESE DANGEROUS LOANShttps://www.thebalance.com/payday-loans-beware-of-these-dangerous-loans-1289623 The Balance outlines how Payday Loans work, why they’re dangerous, how to avoid them, and some alternatives.planning, credit
CATHOLIC CHARITIEShttps://www.catholiccharitiesusa.org/get-help-from-catholic-charities/Catholic Charities provide financial education and skill training. education, employment, planning, budgeting
SALVATION ARMYhttps://www.salvationarmyusa.org/usn/home/#whatwedoSalvation Army provides financial management trainings. education, courses and certifications
theSkimmhttps://www.theskimm.com/moneyThis page has resources related to money and finance. It includes an option to subscribe to a weekly newsletter, as well as links to helpful articles and videos covering a wide span of financial topics.education, budget, planning
Debt.orghttps://www.debt.org/credit/payday-lenders/More information about how payday loans work, reasons to avoid them, and what they could mean for you.education, budget, planning
HomeLight - The Catch of Rent to Own Homeshttps://www.homelight.com/blog/buyer-whats-the-catch-with-rent-to-own-homes/Article by Christine Bartsch written on December 27th, 2019. Includes information on two scenarios when Rent-to-Own could be beneficial but concerns to be aware of in most situations.education, budget, planning
Practical Money Skills Workbookhttps://www.practicalmoneyskills.com/assets/downloads/pdfs/Practical-Money-Skills-Workbook.pdfProgram put together by Visa to help you understand the basics of managing money wisely. Includes sections on Budgeting Basics, Online and Mobile Banking, Checking Accounts, Debit Cards, Savings Accounts, and Understanding Crediteducation
SkimmUhttps://events.theskimm.com/skimmuwell2022/Free, virtual event series designed to teach you crucial money lessons.education
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