Difference between revisions of "Financial Literacy, Coaching and Counseling"

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Consumer Financial Protection Bureau (CFPB) Your Money, Your Goals  [https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/cfpb_ymyg_a-financial-empowerment-toolkit.pdf]
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===Annual Credit Report Request Form [https://www.annualcreditreport.com/manualRequestForm.action]===
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*This resource is available in print in your branch of the Washington State Library. Please access the print resource and request photocopies of the pages you need.
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*You have the right to get a free copy of your credit file disclosure, commonly called a credit report, once every 12 months, from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.
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*The toolkit gives you the resources you need to help people set goals, choose financial products, and build skills in managing money, credit, and debt. It is designed so you can pick the tool or tools that meet the needs of each person you’re working with.
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*Frequently Asked Questions & Source Page [https://www.annualcreditreport.com/generalQuestions.action]
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*Focus on Reentry Companion Guide [https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/cfpb_ymyg_reentry_supplement.pdf]
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*See CFPB Your Money, Your Goals Companion Guide Focus on Reentry pg. 42 for information on how to check your credit while incarcerated.
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**This guide is focused on the needs of justice-involved individuals. Used in combination with the Your Money, Your Goals toolkit, the guide helps frontline staff work with people to: Identify financial challenges to successful transition, Obtain documents related to identification to help ease the transition process, Identify and prioritize debt, including criminal justice debt, Understand individual rights to obtain and review background screening reports during the employment application process.  
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*Focus on Native Communities [https://www.consumerfinance.gov/documents/5094/cfpb_ymyg_focus-on-native-communities.pdf]
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**This guide provides organizations with information that meaningfully connects Your Money, Your Goals to the financial lives of Native community members. The companion guide includes: Tools and information that cover topics such as making the most of an Individual Indian Money Account, using values to set financial goals, and annual planning that reflects seasonal income and expenses, An additional module on "financial empowerment and elders" covers ways to identify, address, and prevent financial exploitation of elders, Guidance on how to integrate Your Money, Your Goals into your work with Native communities.
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*Focus on People with Disabilities [https://www.consumerfinance.gov/documents/5306/cfpb_ymyg_focus-on-people-with-disabilities.pdf]
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**This guide contains tips, information, tools, and skill-building resources for people with disabilities and from organizations that serve the disability community. It’s based on the idea that everyone has a right to control their own money and make their own financial decisions. The companion guide includes 11 new tools that are fully dynamic and accessible for how to: Set up an Achieving a Better Life Experience (ABLE) Account and build savings, Pay for assistive technology to achieve independence, Understand how income from work impacts Social Security Income (SSI), Identify financial abuse and exploitation and how to get assistance.
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*Source [https://www.consumerfinance.gov/your-money-your-goals/]
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===Your Money, Your Goals Toolkit and Companion Guides ===
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*The toolkit has information that helps you have money conversations with the people you serve. Use the tools to help achieve goals and work through challenges. You can use the toolkit to help people: Make spending decisions that can help them reach their goals, Order and fix credit reports, Make decisions about repaying debts and taking on new debt, Keep track of their income and bills
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*Your Money Your Goals - English June 2020 [https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_financial-empowerment_toolkit.pdf]
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*Su Dinero, Sus Metas - Español Diciembre 2016 [https://files.consumerfinance.gov/f/documents/bcfp_your-money-goals_a-financial-empowerment-toolkit_es.pdf]
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*Focus on Reentry March 2017 [https://files.consumerfinance.gov/f/documents/cfpb_ymyg_reentry_supplement.pdf]
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*Focus on Military Communities January 2021 [https://files.consumerfinance.gov/f/documents/cfpb_ymyg-servicemembers-companion-guide.pdf]
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*Focus on Native communities May 2019 [https://files.consumerfinance.gov/f/documents/cfpb_ymyg_focus-on-native-communities.pdf]
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*Focus on People with disabilities March 2019 [https://files.consumerfinance.gov/f/documents/cfpb_ymyg_focus-on-people-with-disabilities.pdf]
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[https://www.consumerfinance.gov/your-money-your-goals/ Source Page]
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*Also on [[Veterans]] Page, [[Tribal Resources]] Page. También disponible en Español [[Recursos en español]]
  
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CFPB Financial Coaching Delivery Sites [https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201708_cfpb_financial-coaching-delivery-sites-list.pdf]
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===Department of Justice List of Credit Counseling Agencies in Washington [https://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_washington/cc_washington.htm] ===
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*Whether you’re a veteran who has recently transitioned to life in the civilian world, or a consumer facing economic challenges, having a trusted, well-informed advisor can increase your odds of success. Our financial coaching initiative provides guidance to recently-transitioned veterans and vulnerable families in places where they’re already going for help. We’ve joined forces with the DOL and more than two dozen non-profit social-services providers to place 60 certified coaches in DOL American Job Centers  and community-centered nonprofits across the country. These professionals provide one-on-one free coaching to help these consumers craft a personalized plan for financial success.
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*Source Page [https://www.consumerfinance.gov/about-us/blog/the-launch-of-the-cfpb-financial-coaching-initiative/]
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Department of Justice List of Credit Counseling Agencies in Washington [https://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_washington/cc_washington.htm]
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*Credit counseling agencies listed on this Web page are nonprofit budget and credit counseling agencies approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11 U.S.C. § 109(h). Many of the approved agencies listed on this Web site may also provide other counseling services to assist individuals not considering bankruptcy. The United States Trustee Program has not reviewed nor approved the content of these other services.
 
*Credit counseling agencies listed on this Web page are nonprofit budget and credit counseling agencies approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11 U.S.C. § 109(h). Many of the approved agencies listed on this Web site may also provide other counseling services to assist individuals not considering bankruptcy. The United States Trustee Program has not reviewed nor approved the content of these other services.
 
*Instructions for using the Approved Provider List [https://www.justice.gov/sites/default/files/ust/legacy/2015/03/13/ccde_instruct.pdf]
 
*Instructions for using the Approved Provider List [https://www.justice.gov/sites/default/files/ust/legacy/2015/03/13/ccde_instruct.pdf]
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*Source [https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111]
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[https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111 Source Page]
  
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===MIT Living Wage Calculator [http://livingwage.mit.edu/]===
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*Families and individuals working in low-wage jobs make insufficient income to meet minimum standards given the local cost of living. We developed a living wage calculator to estimate the cost of living in your community or region based on typical expenses. The tool helps individuals, communities, and employers determine a local wage rate that allows residents to meet minimum standards of living.
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*Washington Counties & Metropolitan Areas [http://livingwage.mit.edu/states/53/locations]
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*Ask library staff for a print out of information from your county. Note: most of the information is by county but some information is city/metropolitan area specific. For the most accurate information tell library staff the city & county you want the information for.
  
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Kitsap Community Resources Financial Education [https://www.kcr.org/financial-education/]  
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===The Self Sufficiency Standard for Washington State 2020 [https://selfsufficiencystandard.org/wp-content/uploads/2021/11/WA2020_SSS.pdf]===
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*The Center for Women’s Welfare Self-Sufficiency Standard defines the income working families need to meet a minimum yet adequate level, taking into account family composition, ages of children, and geographic differences in costs. The Standard is an affordability and living wage economic security measure that provides an alternative to the official poverty measure.
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[http://www.selfsufficiencystandard.org/Washington/ Source Page]
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===Kitsap Community Resources Financial Education [https://www.kcr.org/financial-education/]===
 
*Mission : To empower Kitsap County residents with the financial skills and information need to increase their confidence, enable them to make sound decisions, and to be better prepared to meet their financial goals.
 
*Mission : To empower Kitsap County residents with the financial skills and information need to increase their confidence, enable them to make sound decisions, and to be better prepared to meet their financial goals.
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*2018 Class Schedule [https://www.kcr.org/wp-content/uploads/2018/07/2018-Financial-Class-Schedule.pdf]
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*2022 Class Schedule [https://www.kcr.org/wp-content/uploads/2022/01/Financial-Education-2022.pdf]
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**Also on [[Kitsap County]] page.
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Also on [[Kitsap County]] page.
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===Everyone is Welcome powered by the Financial Empowerment Network [https://www.everyoneiswelcome.org/]===
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*It’s your change. Make it count!  Do you want to save money to buy a new car, take your family on a vacation, send your kids to college, or just pay your bills on time? Or are you interested in learning more about your credit score, your credit report, and techniques for managing debt? Through a network of agencies Free or low-cost one-on-one support is available to '''King County Residents''' who want to understand more about their money, make good financial decisions, and have choices for savings and loans. No hidden fees or agendas.
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*Bank On [https://www.everyoneiswelcome.org/bank-on/]
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**Barriers to Banking [https://www.everyoneiswelcome.org/bank-on/barriers-to-banking/]
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**How to Open an Account [https://www.everyoneiswelcome.org/bank-on/how-to-open-an-account/]
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**Banking Alternative [https://www.everyoneiswelcome.org/bank-on/banking-alternatives/]
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**Financial Education, Counseling and Navigation Providers [https://www.everyoneiswelcome.org/bank-on/financial-education-providers/]
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Also on [[King County]] page.
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LastAuditDate 2022-02-15

Latest revision as of 13:01, 7 July 2022

Annual Credit Report Request Form [1]

  • You have the right to get a free copy of your credit file disclosure, commonly called a credit report, once every 12 months, from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.
  • Frequently Asked Questions & Source Page [2]
  • See CFPB Your Money, Your Goals Companion Guide Focus on Reentry pg. 42 for information on how to check your credit while incarcerated.

Your Money, Your Goals Toolkit and Companion Guides

  • The toolkit has information that helps you have money conversations with the people you serve. Use the tools to help achieve goals and work through challenges. You can use the toolkit to help people: Make spending decisions that can help them reach their goals, Order and fix credit reports, Make decisions about repaying debts and taking on new debt, Keep track of their income and bills
  • Your Money Your Goals - English June 2020 [3]
  • Su Dinero, Sus Metas - Español Diciembre 2016 [4]
  • Focus on Reentry March 2017 [5]
  • Focus on Military Communities January 2021 [6]
  • Focus on Native communities May 2019 [7]
  • Focus on People with disabilities March 2019 [8]

Source Page

Department of Justice List of Credit Counseling Agencies in Washington [9]

  • Credit counseling agencies listed on this Web page are nonprofit budget and credit counseling agencies approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11 U.S.C. § 109(h). Many of the approved agencies listed on this Web site may also provide other counseling services to assist individuals not considering bankruptcy. The United States Trustee Program has not reviewed nor approved the content of these other services.
  • Instructions for using the Approved Provider List [10]

Source Page

MIT Living Wage Calculator [11]

  • Families and individuals working in low-wage jobs make insufficient income to meet minimum standards given the local cost of living. We developed a living wage calculator to estimate the cost of living in your community or region based on typical expenses. The tool helps individuals, communities, and employers determine a local wage rate that allows residents to meet minimum standards of living.
  • Washington Counties & Metropolitan Areas [12]
  • Ask library staff for a print out of information from your county. Note: most of the information is by county but some information is city/metropolitan area specific. For the most accurate information tell library staff the city & county you want the information for.

The Self Sufficiency Standard for Washington State 2020 [13]

  • The Center for Women’s Welfare Self-Sufficiency Standard defines the income working families need to meet a minimum yet adequate level, taking into account family composition, ages of children, and geographic differences in costs. The Standard is an affordability and living wage economic security measure that provides an alternative to the official poverty measure.

Source Page

Kitsap Community Resources Financial Education [14]

  • Mission : To empower Kitsap County residents with the financial skills and information need to increase their confidence, enable them to make sound decisions, and to be better prepared to meet their financial goals.
  • 2022 Class Schedule [15]

Also on Kitsap County page.

Everyone is Welcome powered by the Financial Empowerment Network [16]

  • It’s your change. Make it count! Do you want to save money to buy a new car, take your family on a vacation, send your kids to college, or just pay your bills on time? Or are you interested in learning more about your credit score, your credit report, and techniques for managing debt? Through a network of agencies Free or low-cost one-on-one support is available to King County Residents who want to understand more about their money, make good financial decisions, and have choices for savings and loans. No hidden fees or agendas.
  • Bank On [17]
    • Barriers to Banking [18]
    • How to Open an Account [19]
    • Banking Alternative [20]
    • Financial Education, Counseling and Navigation Providers [21]

Also on King County page.



LastAuditDate 2022-02-15

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