Immediate Funding Available for Childcare in Los Angeles

Experts Explain How to Break Bad Money Habits

It takes intentional work to break a habit. (From the Singleton Foundation For Financial Literacy and Entrepreneurship)

How Childhood Shapes Your Relationship with Money

Your brain creates "money stories" during your childhood that affects your money mindset. (From The Singleton Foundation for Financial Literacy and Entrepreneurship)

35 Top Budgeting Apps and Financial Tools

Just put together this month (September 2022), this resource is a collection of current budgeting apps that can and will help an individual strengthen their budgeting skills. It's a really nice spread of accessible applications.

Student Loan Forgiveness

Millions of federal student loan borrowers will soon see up to $20,000 of their debt wiped away thanks to a new plan announced by President Joe Biden last week.

Secrets Millionaires Teach Their Kids About Money

What do you teach your kids about money, prosperity and how to get rich? If you’re like most parents, the answer is probably: not much. After all, how can parents teach their kids about money when most parents struggle with it themselves? But now, anyone, even parents who haven’t been financially successful, can see to it that their children know what it really takes to become wealthy.

Nine FUN Ways to Teach Kids How to Save

Teaching your kids the importance of saving early on will lead to a healthier, happier, less stressful life for them — and for you. The trouble is, finance isn't always the most exciting topic, and most kids aren't interested in sitting down for a lesson in economics. Read on for fun ways to introduce financial concepts to your children, as well as how you can integrate financial responsibility into their everyday lives.

Encourage Kids' Entrepreneurship!

Lemonade Stand Day started in 2007 when a little girl wanted to buy a turtle and her dad said no so she put up a lemonade stand to make enough money to buy it herself. By taking part in Lemonade Stand Day, kids gain key life skills that will help them achieve success later in life – entrepreneurial skills, responsibility, financial literacy, and teamwork, to name a few.

"Budgeting Without Tears!"

The guest this week. Jesse Mecham is the Founder of You Need A Budget — the popular budgeting platform often abbreviated as YNAB. Since its launch in 2004, You Need A Budget has helped hundreds of thousands of people break the paycheck-to-paycheck cycle, get out of debt, and save more money.

Living Paycheck to Paycheck?

Half of Americans earning $100,000 or more a year are now living paycheck to paycheck, according to a new report from LendingClub and PYMNTS.com. Read what Jean Chatsky recommends!

Financial Stress and Mental Health

Have you ever had that feeling in the pit of your stomach when an unexpected bill arrives and you're not sure how you're going to pay it? Maybe it’s from a medical emergency that nobody could have predicted, or some other unexpected crisis. Financial literacy is essential to avoid the mental stress and feeling of helplessness that hits you.

Quick Lesson on How Interest Accrues and Why Your Student Loan Balance Increases

If you find yourself in this situation it is imperative you act to set it straight. I understand it might seem difficult to make work but your future self will thank you. There is so much to look forward to after being out of debt and it can be very fulfilling during the process of getting out of debt.

Need Utility Payment Assistance?

HEAL provides all income-qualified household applicants our free service with the assistance to help them apply and participate into an energy efficiency program through their local utility company.

Really Interesting - How to Pay Off Your Student Loans!

Why Your Student Loan Balance NEVER Goes Down. Let's be real, student loans are a pain in the behind and there is a secret way that student loan borrowers keep you down with these tactics.

How to Teach Kids About Money

One of the things that’s hardest for kids to learn is the difference between want and need. “Everything around them is geared to immediate payoff. Delayed gratification can have a powerful impact if we teach them the value of working towards a financial goal early on,” Meneses says.

The Truth About Dave, Inc.

To get a better sense of what Dave’s whole deal is, VICE spoke with experts who provided more insight on how exactly the app works, its pros and cons, and its potential pitfalls. Here’s what you should know about Dave.

Learn to be Money Smart!

The FDIC's Money Smart financial education program can help people of all ages enhance their financial skills and create positive banking relationships. First released in 2001 and regularly updated since then, Money Smart has a long track record of success

New for 2022 - Best Budgeting Apps!

The best budgeting apps come at an affordable price point (some are even free), are easy to use and integrate with your accounts, and have features that match your budgeting style.

Building Credit Without a Good Credit Score

If you have bad credit, you’re probably looking for ways to build your credit as quickly as possible. Using a secured credit card to build credit is something to consider.

Find help with Utilities and Rent

State and local organizations are distributing federal rental assistance in their communities. The money can help landlords and renters who are struggling to keep up with rent and other bills.

Emergency Rental Assistance Dashboard

The Treasury ERA program includes an unprecedented amount of funding for emergency rental assistance to help renters stay stably housed.

Before You Take Out That Student Loan, Read This!

The average student borrower takes 20 years to pay off their debts, and some professionals take more than 45 years to repay theirs in full. Meanwhile, the average medical graduate doesn’t even receive a high enough salary to make student loan payments. That’s why it’s best to think twice before you borrow.

Teach Pre-Schoolers and Kindergartners About Money

This might be a little surprising: A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old. It's never too early! (And they certainly won't learn it in school...)

Best Personal Finance Apps

Apps that monitor your spending, identify quick ways to save, track expenses, help with budgeting, etc. Some will find and cancel unwanted subscriptions (think about that Vudu app you once signed up for that you never use). Some are free (mostly on a trial basis) but check them out! They can really help keep you in control of your finances.

Alternatives to PayDay (shudder) Loans

Even if it's just a small amount of money to cover an emergency, a payday loan could leave you worse off than before you borrowed. Here are some other alternatives.

Los Angeles County Housing Resources

There are several government resources in Los Angeles County available to help tenants impacted by COVID-19 pay their rent.

JFLA Ready to Help LA Renters

"When Los Angeles' eviction moratorium ends June 30, thousands in our city could end up becoming homeless." If you don't qualify for other programs, visit www.jfla.org to learn more about their interest-free loans.

What You Should Know Before Using a Paycheck Advance App

"...an April report from the Financial Health Network found that 70% of consumers who used a service to access their earnings early returned to use them consecutively — behavior that’s common with payday loans...."

The Kid's Guide to Emergency Savings

Talking about money and savings are often reserved for grown up discussions. But even at an early age, it’s crucial to expose children to basic money management. Teaching kids how to budget and save may not seem very important when they’re young. However, as children grow, developing healthy financial habits can help them avoid toxic debt and other stressful money problems.

Get your Internet Bill Paid!

A surprising number of Americans can get $50 each month from the new $3.2 billion Emergency Broadband Benefit.

COVID Rent Relief for California residents

Renters and landlords have enough things to worry about. Past due rent shouldn't be one of them.

Jump$tart Clearing House

We are the premier online library of financial education resources for teachers, parents, caregivers, and anyone committed to financial smarts for students. Try it now, no account necessary!

Parents: Talking Cents

A "game" to spark conversations about money with kids

2020 Recovery Rebate Credit

If you didn't get a first and second Economic Impact Payment or got less than the full amounts, you may be eligible to claim the 2020 Recovery Rebate Credit and must file a 2020 tax return even if you don't usually file a tax return.

Pocketnest - THE Financial App for Holistic Financial Wellness

Financial planning shouldn’t be frustrating, confusing or exclusive. Everyone should have access to a complete financial plan—not just the wealthy or the finance nerds. No investor-speak, monthly fees or in-person meetings needed, just your phone and 3 minutes a week.

GoodBudget

Goodbudget is a budget tracker for the modern age. Say no more to carrying paper envelopes. This virtual budget program keeps you on track with family and friends with the time-tested envelope budgeting method.

Mint Budgeting App

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Overcoming Age Bias When Looking for a New Job

Many older job seekers have felt ageism at some point in their careers. An AARP survey found that 64 percent of workers ages 45 to 74 had seen or experienced age discrimination in the workplace; the majority say it typically starts in your 50s.

A Simple Way to Explain Compound Interest to Your Kids

Keep it simple, especially if your kids are younger: Interest is what a bank pays you to keep your money there. The longer the money stays in the bank, the more money you earn.

Money Prodigy

How to teach kids about money when you aren’t even sure how to teach your child the value of money?

Money Management for Kids

The miracle of compound interest is time. The earlier you start saving, the less you need to save each week or month to get to the same result.

How to Raise Financially Responsible Children

As we know, there are a lot of financially irresponsible people out there, and unfortunately much of this stems from not being exposed to information and opportunity as a child. Set your children up with a strong foundation, so that hopefully their relationship with money will remain positive as they grow into functioning members of society.

It's Now Easier Than Ever to get an Emergency Loan!

JFLA is pleased to announce the following new lending policies: • Borrow up to $2,000 with the names and contact information of 2 references. No guarantors required. • If you are unemployed, you can borrow up to $2,000 with 1 guarantor. • Loans up to $4,000 require just one guarantor, and loans up to $6,000 require 2 guarantors. There is no minimum requirement for guarantor credit scores. Emergency loans can be used to pay for groceries, rent, medical or dental bills, car repair, childcare, remote learning expenses and more. Please visit our website to learn more and fill out our pre-loan application. Borrowers must not have an outstanding loan with JFLA.

CDC's Eviction Moratorium (12/31/20) - FACTS for Renters

Here's how to find out if you are eligible and how you can invoke your right to stay in your home.

How Your Money Past Might Be Holding You Back

Taking space to reckon with the past that’s shaped your money beliefs and behaviors can help you understand your financial journey. And once you know how you got to where you are now, you’re ready to figure out what changes need to happen to reach the financial future you want.

Your Money and the Pandemic

The coronavirus pandemic has turned people’s financial lives upside down. Millions are unemployed or have seen their income significantly reduced. Account balances in IRAs and 401(k)s and similar workplace retirement accounts have fallen. We answer your most pressing personal finance questions on the economic fallout of covid-19.

The Beginners Guide to Credit

Life is better with a good credit score. This three-digit number affects nearly every facet of your financial life and makes it easier to achieve important milestones, like renting an apartment, buying a car or getting a mortgage for your first home.

Get the Facts on Payday Loans BEFORE You Get One

Pew has conducted extensive research on the high-cost small-dollar loan market over the past five years. The findings show that although these products offer quick cash, the unaffordable payments lead consumers to quickly take another loan to cover expenses. Twelve million Americans take out payday loans each year, spending $9 billion on loan fees.

Los Angeles County Temporary Eviction Moratorium

ABOUT L.A. COUNTY’S TEMPORARY EVICTION MORATORIUM AND RENT FREEZE Note: On Tuesday, June 23, the Board of Supervisors approved an extension of the temporary eviction moratorium. The moratorium was extended until July 31, 2020 and may be extended by the Board on a month to month basis. Find out more information here.

Payoff Your Credit Cards

Payoff is a financial wellness company that applies science, psychology and technology to help our Members reinvent their relationship with money and accelerate their journey toward financial well-being. We focus on the intersection of personality and financial behavior, developing products and services that help our Members achieve their goals. Our team of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, Member Advocates and technology experts work together to better understand and accelerate our Members' journey toward financial wellness.

$30 Million Committed to Help Prevent Evictions in Maryland

June 26, 2020: Gov. Larry Hogan announced Friday the commitment of $30 million in new funding to prevent evictions and help Marylanders affected by the COVID-19 pandemic.

COVID-19 - How to Apply For Food Stamps

If you’re experiencing financial hardship and food insecurity in the wake of coronavirus, or COVID-19, you may qualify for government food assistance. Depending on your income and what state you live in, you might be eligible for the Supplemental Nutrition Assistance Program, otherwise known as SNAP.

Protect Your Credit Score During COVID-19

With the coronavirus pandemic sending millions of Americans scrambling to make ends meet, another type of economic fallout is bubbling in the background: consumers’ worsening credit status due to late or unpaid bills.

Resources for Coloradans

2-1-1 is a confidential and multilingual service connecting people to vital resources across the state. No matter where you live in Colorado, you can find information about resources in your local community.

Advice and Guidance on Caring For Loved Ones

Psychologists’ research offers ways to help families, caregivers and children cope during the pandemic.

500 New Jobs in Los Angeles - Hiring Now!

C3, the brainchild of Beverly Hills-based SBE, mall giant Simon Property Group Inc. and hospitality company Accor, is hiring for more than 500 jobs in the greater L.A. area. C3 focuses on ghost kitchens and delivery.

The Change Reaction

This is the reason for The Change Reaction, a revolutionary movement that amplifies the power of giving and reminds people that the kindness of strangers still exists. Through partnerships with community-based organizations, The Change Reaction connects hardworking people experiencing financial hardship with individual donors ready to provide immediate assistance. We call these generous donations Angel Funds, a direct-connect giving platform that not only transforms life circumstances for recipients, but also changes people’s belief in what is possible for our world, resulting in an unstoppable ripple effect of philanthropy never before seen.

More Jobs Amongst the COVID-19 Crisis

Companies from industries spanning from technology to retail are hiring to meet increased demand caused by the coronavirus pandemic. Here's a regularly updated list of companies hiring right now!

Residents of California - Have you Lost Your Job?

One-stop resource for the people of California impacted by job loss during the COVID-19 Pandemic.

Valuable Housing Resources and Assistance Programs

Across America there are hundreds of organizations working hard to preserve affordable housing, prevent eviction, and reduce family homelessness. Click on the map to search over 600 organizations.

Orange County, CA - Cash Relief for Rent, Food, etc.

GENERAL FINANCIAL HELP Voice of OC article explains available financial relief resources. Here are some of those: • The March 14 executive order removed the mandatory one-week waiting period for unemployment and disability benefits. • The Orange County Social Services Agency, despite closing its lobby to the public, is still processing online filings for assistance programs. One program includes an emergency cash assistance of up to $200 for immediate needs like rent or medical bills. • Apply online for General Relief, Medi-Cal, CalFresh, and CalWORKS. • OC residents can also apply over the phone for any of these programs by calling 800-281-9799. RESTAURANT OWNERS & EMPLOYEES You can find a detailed list of resources available to restaurant owners and employees. The food service industry struggles to maintain business following the most recent announcement to stop all on-site dining, with service only available by delivery, pick-up or drive-thru.

Available Jobs in Southern California

Who’s Hiring in Southern California? Your Ultimate List From teachers to warehouse employees and more, here's a list of who's hiring amid the coronavirus pandemic.

Dave Ramsey Offers Financial Hope in the Midst of the Crisis

A Message of Hope Livestream Answers to your top questions on money, career and life during this time of uncertainty. Stream right here on Thursday, March 26 7PM CT / 8PM ET

Communities Nationwide Launch Coronavirus Relief Efforts

More than 140 U.S. community foundations in 49 states, plus the District of Columbia, have created relief funds to support those affected by COVID-19 -- directing critical relief to local nonprofits and partnering with local governments and health organizations to help contain its spread.

Instacart is Hiring 300,000 Delivery Drivers

Instacart is looking to hire hundreds of thousands of workers to meet surging demand for grocery deliveries as millions of people are urged to stay home to limit the spread of coronavirus. The on-demand grocery startup said Monday that it seeks to hire 300,000 "full-service shoppers," who are treated as independent contractors, in North America over the next three months due to increased demand spurred by the coronavirus pandemic. That would more than double its current workforce of full-service shoppers.

Lots of Job Openings Amid COVID-19

Some industries — from shipping to online learning — are hiring to meet coronavirus-related demand. Here are some of the companies hiring right now.

WalMart is Hiring!

WalMart and Dollar Tree are hiring to meet demands related to COVID-19.

Food Banks in Your Area

It’s critical that residents are able to access basic needs. Here is where those in need can find local food banks in their area.

United Way is Helping with Food, Healthcare and Housing

Charities such as United Way are raising disaster recovery funds which help connect those affected to food, healthcare and housing resources.

Salvation Army is Helping with Food, Healthcare and Housing

Charities such as Salvation Army are raising disaster recovery funds which help connect those affected to food, healthcare and housing resources.

Disability, Workers Comp & Family Leave

Residents can apply for wage replacement if they become ill with COVID-19 or are caring for a sick family member. Laws vary from state to state — here is an example for California

State Social Services

Social Services may be able to help low income families with food or cash assistance — here is an example for Indiana

Disaster Relief

Residents can check their eligibility for Disaster Unemployment Assistance.

Recently Unemployed Residents Should File for Unemployment

Recently unemployed residents should visit the Department of Labor website to see what benefits they are eligible for.

Your Non-Panic Guide to Coronavirus in LA

If the speed and spread of the coronavirus pandemic has you deeply concerned, please know that we are right there with you.

New Google Online Testing in beta

While only available to 2 counties in California at the moment, this website is constantly evolving to include more. It can only help you if you are not already symptomatic.

The Best Work From Home Jobs

You won't' get rich but you can make about $16 an hour with these jobs - and you can do all of that from home!

Experian Explains How to Rebuild Your Credit

Your credit report shows how well you managed your financial responsibilities during a certain time period. Negative information drops off over time, but the positive information remains.

Boost Your Credit Score by Self Reporting

There are many ways of improving your credit score, including lowering your debt-to-credit ratio and carefully timing your new credit applications. However, some people wonder if there are also ways for you to boost your credit score by self-reporting—that is, by telling the three credit bureaus about your good financial habits instead of waiting for the information to appear on your credit reports.

We All Need Help But Single Moms More Than Most

Every state and city has many resources to help single mothers in many ways. Some help you in paying your bills, some help in many other areas.

Millennial Guide to Investing

Millennials have had a slower start to investing compared to other generations and just 1 in 4 feels as if their savings are on track for a secure retirement. This guide explains why it's important to invest, how to determine investment goals and tips for getting started in the stock market.

The Simple Dollar

Helps you make friends with finance; help find the credit card; find the right loan and many other useful tips, tricks and information.

Los Angeles Homeless Service Authority

If you live in Los Angeles County, find out if you qualify for assistance through LAHSA.

Food and other government assistance

Start here to see if you qualify for SNAP or other government assistance. Your tax dollars paid for it - you might as well see if you can get some of it back!

State of Washington

Amazing list of organizations providing assistance in Washington State.

Start Your Own Business with Amazon Delivery

Is this the right opportunity for you? If you’re a customer-obsessed people person who loves coaching teams in a high speed, ever-changing environment, becoming an Amazon Delivery Service Partner is an ideal opportunity for you. As an owner, you will operate with upto 20-40 and have 40-100 employees. You’ll be fully responsible for hiring and developing a team of high-performing, hardworking employees', while we take care of getting you set up and ready to operate out of an Amazon delivery station in your city. You’ll be expected to provide consistent coaching and support for your team to ensure the successful delivery of packages in a 7 days/week, 365 days/year operation.

79 Websites to Get Freelance Jobs

Abdullahi Muhammed is a writer, entrepreneur and founder, CEO of Oxygenmat. His articles have been featured on World Economic Forum, Entrepreneur, Inc., The Huffington Post, among others. He's a really smart dude.

Use Your Skills to Work Freelance

Where can you get the ideal work or client? If you’re a freelancer, we can help point you in the right direction. We know that freelance work has its perks and securing customers isn’t one of them. Marketing your services is indeed one of the most tedious tasks that you can face. This is where freelance websites come in.

Are You Ready for a Money and Mindset Makeover?

We all need a space to explore the journey that has brought us to our present circumstances. As our understanding deepens, that wisdom will help us lay the foundation for creating a new reality. Let me help you identify, understand, and change your money behaviour so you can feel good about your finances!

Save $1M for retirement on $50k a year

If you are making $50,000 a year, the thought of racking up $1 million for retirement can seem daunting. Yet with a little dedication and a lot of time, you can get there.

Put That Purchase on Ice

Impulse shopping is now a $17.78bn market in the US, according to personal finance comparison site, Finder.com. 88.6% of American adults have fallen prey to the habit, with 64% of them doing so at least once a month, the study shows. The average spend is $81.45.

Emotional Spending

With advertising popping up everywhere—from TV to billboards to city buses— shopping seems to be everywhere. Advertisers spend billions of dollars annually convincing us that products can make us feel successful, prevent us from being bored, help us attract a partner, and a myriad of other things. With ads carefully designed to manipulate our spending habits, it's no wonder so many people have become emotional spenders.

Debt Consolidation

Debt sucks. But the truth is debt consolidation loans and debt settlement companies suck even more. They don’t help you slay mammoth amounts of debt. In fact, you end up paying more and staying in debt longer because of so-called consolidation. Get the facts before you consolidate your debt or work with a settlement company.

Healthcare financing with Care Credit

Whether you use your healthcare credit card to cover your deductible, or to pay for treatments and procedures not covered by insurance*, CareCredit helps make the health, wellness and beauty treatments and procedures you want possible today. *subject to credit approval

Budgets Are Sexy

Millionaire Teacher

I Am Net Worthy

Gigworker

Repaying Student Loans & Forgiveness

Depending on your professional or personal situation, you may be able to have your loans forgiven, canceled, or discharged.

Treatment for Drug Abuse

Rehab Centers

American Addiction Centers

Swimming in Credit Card Debt? Here Are Your Best Options.

As of 2017, Americans’ total revolving debt (typically summarized as credit card debt) was estimated to be over $1 trillion dollars. That's a one with twelve zeros. So if you are struggling with getting out of debt, clearly you are not alone. Does any of this sound familiar? Maxed out credit cards. Getting new cards, only to max those out and now you have double the debt. Paying the minimum on your cards each month, meaning you are only paying the interest and your card will be paid in 312 months. Terrified to check your credit score, so you don't. It's a vicious cycle and trust me when I say, credit card companies know what they are doing.

10 Ways to Avoid Credit Card Debt

Anyone who has a credit card risks carrying too much credit card debt. Once you've accumulated too much credit card debt, it can take several years and lots of sacrifices to pay it off. As you use your credit cards, keep these tips in mind to avoid getting yourself in over your head.

10 Best Debt Relief Sources for 2019

Learn how debt relief services help you take control of your mounting debt problems. Consumers Advocate reviews the best Debt Relief services available today.

LeaseUp Los Angeles launches!

Recently PATH and LAHSA announced Lease Up, an online portal that houses the pool of affordable housing units across Los Angeles County. Landlords and people seeking housing should check out their website.

Drug Rehab Resources

Find help for any substance abuse or drug addiction here.

Prosperity Now Findings on Economic Well-being

The 2019 Prosperity Now Scorecard shows that too many families are either struggling to make ends meet, or are just one emergency away from a financial disaster. Forty percent of American households lack a basic level of savings. According to the Scorecard data, these “liquid asset poor” households don’t even have enough savings to live at the poverty level for three months if their income was interrupted. The data is even worse for people of color, with nearly 57% of households of color being liquid asset poor.

One Paycheck Away From Poverty

"This is not a problem of just low-income people -- this is a problem of middle-class people and even people with higher income without enough savings," Wiedrich said. "If they hit a shock, they are in the same boat. Maybe they can't pay their mortgage" or must make choices about what bills to pay. Millions of middle-class Americans are just one missed paycheck away from poverty, with 4 of 10 considered "liquid-asset poor," or without enough money socked away to cope with even a sudden disruption in income.

Honey Bee

In 2016, HoneyBee was born with a promise to offer short-term, no interest loans for employees by using the cash reserves from paid vacation time not taken as collateral. To access the loans, employees would only need to pay a nominal fee of 5% (with a max ceiling of $50) and it was set up so that employers wouldn't need to pay anything to offer the program to employees.

Say No to Payday Loans

For some people payday loans are the only option, but before you sign on the dotted line there are some things the Better Business Bureau would like you to know. "That can be so damaging long term, to start this downward vortex of debt that's tough to get out of,” said David Smitherman with the Better Business Bureau.

Some banks come to the aid of government workers

Banks, credit unions offer loans with low interest rate to government workers hit by shutdown Amid the stalemate in Washington, credit unions and banks across the country are making accommodations for government employees. Launch Federal Credit Union is issuing zero-percent interest rate loans of up to $3,000 to employees of the federal government. Some banks also are waiving certain fees and allowing customers to break certificates of deposit early.

Bad with Money: The Imperfect Art of Getting Your Financial Sh*t Together

Dunn argues that our inability to speak honestly about money is our #1 barrier to understanding it, leading us to feel alone, ashamed and anxious, which in turns makes us feel even more overwhelmed by it. In Bad With Money, she reveals the legitimate, systemic reasons behind our feeling of helplessness when it comes to personal finance, demystifying the many signposts on the road to getting our financial sh*t together, like how to choose an insurance plan or buy a car, sign up for a credit card or take out student loans.

Zero Debt: The Ultimate Guide to Financial Freedom 3rd Edition

Terrific book to help you get out of debt forever!

Rockstar Financial Resource Directory

ONE place where you can find hundreds of resources to help better manage your finances.

Revolving Credit Card Debt Rises Again

The average American household carries roughly $7,000 in revolving credit card debt, according to the 2018 household debt report by NerdWallet. Last year the figure was $6,081. Revolving debt is defined as a balance that is carried from one month to the next. This year’s report focused on revolving debt because it is a “more accurate indicator” of financial hardship, NerdWallet said.

Free Debt Snowball Calculator

Use this technique to pay off debt faster! And it works!

PATH

People Assisting the Homeless strives to help end homelessness for individuals, families, and communities. The way that they do this is by focusing on building affordable housing and providing support services throughout California. They serve the California region only. Visit their website to learn more.

How to Save Money on a Budget

A recent article from Bankrate that helps anyone looking to save money on a budget. They use different strategies and examples to help create a useful budgeting plan.

Northwestern Mutual Financial Planning

A resource about the benefits of financial planning no matter what your income is. Their financial planning process is designed to help you make the most of your money by creating a specific financial plan for you.

Suicide Prevention Lifeline

The National Suicide Prevention Lifeline has local crisis centers that provide free and confidential emotional support to those with thoughts and feelings toward suicide. Services are offered 24/7 for you or your loved ones. Call 1-800-273-8255 or visit the website for support.

The Veterans Crisis Line

The Veterans Crisis Line connects Veterans with professional and caring responders, some who are Veterans themselves. They are here to help any Veteran with a problem, and you can share any information you feel comfortable sharing for support. If you know someone who is a Veteran in a crisis, you can refer them to this program.

Disability Rights California

The Disability Rights California (DRC) organization is the protection and advocacy system for those with disabilities in California. They offer many tools and resources to help resolve disability-related legal problems, and last year helped almost 25,000 people.

Credit Counseling Agency

This Credit Counseling Agency is a valuable resource to help aid those who may need help managing finances. This resource offers multiple programs including financial education, credit an debt counseling, rental counseling, etc.

California Community Foundation

The California Community Foundation helps those who are struggling in the Los Angeles areas, and to lead a positive systemic change that strengthens Los Angeles communities. Part of their mission is to also improve the quality of life for all residents the communities.

LifeMoves

LifeMoves has an innovative and effective educational program that helps clients understand the root cause of their homelessness. The program uses accountability and other intensive methods for helping clients to refocus on developing a method for eliminating their homelessness and obtaining long-term success.

Community Services Agency

Community Services Agency helps and gives support to those in need of financial assistance during an emergency, regardless of age.

Enterprise Community

Enterprise Community is a non-profit organization that helps improve communities and people's lives by making well-designed housing more affordable. Their mission is to create more opportunity for low and moderate income people by offering affordable housing through multiple diversity and thriving communities.

Housing Industry Foundation

The Housing Industry Foundation's mission is to help renters remain or be put back into stable housing. The foundation also helps assist with multiple housing projects in the community, and supports efforts in identifying long-term solutions for issues related to affordable housing in the community.

RIP Medical Debt

RIP Medical Debt buys and forgives medical bills to those who qualify if they earn less than 2x federal poverty level, have debts that are 5 percent or more of gross annual income, or have debts that are greater than their assets.

PATRIOTlink

PATRIOTlink saves time for veterans and veteran families who are eagerly searching for services that are free, helpful, and the right fit for them. This search engine gives them many helpful resources at their finger tips.

Foundation for Living Beauty

The Living Beauty foundation offers free services for women with cancer through activities that can uplift and empower women going through a difficult time.

LAHSA

Los Angeles Homeless Services Authority - find help if you are homeless or about to be.

"Your Money or Your Life"

The perfect book for anyone who wants to change their relationship with money, and the source of money for most of us: work. Nine critical steps help us reevaluate our relationship with money, work and time, to determine whether our current actions are helping us maximize our potential to live a full and rich life.

Multifamily Has Many Reasons to Lend a Helping Hand to the Homeless

With its collection of exceptionally bright, hardworking people and its abundant resources, the multifamily industry should not be shy about stepping up to the plate to help address this critical issue.

Eviction Law is Pushing Working Families Out of Their Homes or Worse...

Every weekday, poor people in Los Angeles are herded by the dozens into a downtown courtroom so they can be evicted. Sooner or later, the landlord almost always wins.

Finding Architectural Solutions to LA’s Homelessness Crisis

With homelessness in the city reaching epidemic levels, can the many creative architects and builders who call LA home can contribute to growing efforts to alleviate the crisis. (image MADWORKSHOP)

The Number

The buzz of professionals and financial industry insiders everywhere, the Number represents the amount of money and resources people will need to enjoy the active life they desire, especially post-career.

Nonprofit Will Pay You for Saving Money

We all know building habits is hard. And few are harder to build than the habit of saving money. But what if someone paid you to save? Would that get your attention? We recently discovered a program that’s paying 14,000 people to save money. And you could be next… (image Carmen Mandato/ The Penny Hoarder)

Saving for Goals Calculator

Saving is the key to achieve your financial goals. With a few short entries see how much you need to save to reach your goals.

Daily Savings Calculator

Saving a little each day can go a long way. Enter the amount you can save each day along with an expected rate of return to see how quickly your savings can grow.

Debt Blaster Calculator

Making extra payments on your debt is a surefire way to pay it off faster. See how much faster using this DebtBlaster strategy.

7 Areas Of Your Financial Life That May Need Some Spring Cleaning

With the first day of spring in just a few days, this is often a time for some much-needed spring cleaning. It can be a good time to get rid of old clutter in your life to make room for the new (future clutter).

Broke Millennial

Broke Millennial was created to help you get your financial life together (#GYFLT)! Whether you're facing a big-life transition like getting married or just trying to figure out how to pay your bills, Broke Millennial will help you get the answers you need.