The Resident Relief Foundation

Icebox for Your Browser

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.

COVID-19

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 to understand and improve your credit score

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.

Pew Trust Report

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.

It's Easier Than You Think

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.

A Great Way to Improve your Credit Score

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.

Time on Your Side

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.

Personal Finance Does Not Have to be Complicated

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.

According to Forbes Magazine

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.

Sorta Like Uber for Skilled Workers Who Don't Want to Drive

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.

Broken down by age

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.

5 Ways to Control Emotional Spending

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.

Here's the TRUTH

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.

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.

Despite headlines touting America’s booming economy, the reality is that millions in the US are living in financial uncertainty.

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.

Many Americans are only one missed paycheck away from poverty.

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.

Forget Payday loans, try Honey Bee instead

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.

Just Say No to Payday Loans

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.

Aid for Shutdown workers

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.

Americans Are Carrying More Credit Card Debt Than Ever

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.

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.

Shelters to Shutters

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.

LA Times

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.

Curbed LA

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 Penny Hoarder

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)

Forbes

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).

Nine Rules of Wealth You Should Have Learned In School

Millionaire Teacher

The Financial Plan for Millennials

I Am Net Worthy

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

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

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

Terrific book to help you get out of debt forever!

Rockstar Finance

"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.

by Lee Eisenberg

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.

COVID-19

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.

COVID-19

Don't Want to be Evicted? You Need to do This ASAP!

This declaration is for tenants, lessees, or residents of residential properties who are covered by the CDC’s order temporarily halting residential evictions (not including foreclosures on home mortgages) to prevent the further spread of COVID-19. Under the CDC’s order you must provide a copy of this declaration to your landlord, owner of the residential property where you live, or other person who has a right to have you evicted or removed from where you live. Also visit: https://www.cnbc.com/2020/09/10/the-cdc-banned-evictions-but-the-protection-might-not-reach-everyone-.html

COVID-19

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.

COVID-19

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.

COVID-19

Immediate Funding Available for Childcare in Los Angeles

With the academic year set to begin next month, and no timetable on when schools will reopen full time, working parents are scrambling to find childcare solutions. Jewish Free Loan is here to help with childcare costs with interest-free loans of up to $6,000. Loans can used for both in-home help and child care centers.

COVID-19

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.

COVID-19

$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

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.

COVID-19

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.

COVID-19

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.

COVID-19

Advice and Guidance on Caring For Loved Ones

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

COVID-19

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.

COVID-19

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.

COVID-19

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!

COVID-19

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.

COVID-19

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.

COVID-19

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.

COVID-19

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.

COVID-19

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

COVID-19

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.

COVID-19

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.

COVID-19

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.

COVID-19 JOBS

WalMart is Hiring!

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

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.

COVID-19

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.

COVID-19

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.

COVID-19

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

COVID-19

State Social Services

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

COVID-19

Disaster Relief

Residents can check their eligibility for Disaster Unemployment Assistance.

COVID-19

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.

COVID-19

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.

COVID-19

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.

Kids and Money

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.

COVID-19

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.

Budgeting

Ask Dave - Envelopes and Debit Cards

Sarah feels her attempts to budget are suffering because she only uses her debit card to pay for things. Listen as Dave offers some advice, explains the envelope system, and discusses the principles to successful budgeting. It's a great teaching segment.

Past Emotion + Finances = ??

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.

COVID-19

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.

How to understand and improve your credit score

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.

Pew Trust Report

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.

Accelerate Your Journey Toward Financial Well-being

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.

COVID-19

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.

COVID-19

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.

It's Easier Than You Think

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.

A Great Way to Improve your Credit Score

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.

Time on Your Side

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.

Personal Finance Does Not Have to be Complicated

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.

Meet Amber - Your Feel Good Financial Coach!

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!

Broken down by age

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.

Icebox for Your Browser

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.

5 Ways to Control Emotional Spending

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.

Here's the TRUTH

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.

Focus on your health care.

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

Nine Rules of Wealth You Should Have Learned In School

Millionaire Teacher

The Financial Plan for Millennials

I Am Net Worthy

Repaying Student Loans & Forgiveness

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

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.

Despite headlines touting America’s booming economy, the reality is that millions in the US are living in financial uncertainty.

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.

Many Americans are only one missed paycheck away from poverty.

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.

Forget Payday loans, try Honey Bee instead

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.

Just Say No to Payday Loans

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.

Rockstar Financial Resource Directory

Rockstar Financial Resource Directory

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

Americans Are Carrying More Credit Card Debt Than Ever

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.

Debt Snowball

Free Debt Snowball Calculator

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

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.

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.

Community Services Agency

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

Financial Finesse

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.

Financial Finesse

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.

Financial Finesse

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.

COVID-19

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.

This Zillow-like initiative connects the homeless with homes.

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.

People Assisting the Homeless

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.

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.

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.

LAHSA

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

COVID-19

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.

COVID-19

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!

COVID-19

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.

COVID-19

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.

COVID-19

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.

COVID-19

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.

COVID-19 JOBS

WalMart is Hiring!

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

What Commute?

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!

Become a Delivery Service Partner

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.

According to Forbes Magazine

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.

Sorta Like Uber for Skilled Workers Who Don't Want to Drive

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.

Need a Part-Time Job?

Gigworker

COVID-19

Immediate Funding Available for Childcare in Los Angeles

With the academic year set to begin next month, and no timetable on when schools will reopen full time, working parents are scrambling to find childcare solutions. Jewish Free Loan is here to help with childcare costs with interest-free loans of up to $6,000. Loans can used for both in-home help and child care centers.

COVID-19

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.

COVID-19

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.

Financial Assistance for Single Moms

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.

Homeless Prevention Program

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!

Rental and Financial Aid Assistance

State of Washington

Amazing list of organizations providing assistance in Washington State.

Meet Amber - Your Feel Good Financial Coach!

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!

Repaying Student Loans & Forgiveness

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

Rehab Centers in your area

Rehab Centers

American Addiction Centers

American Addiction Centers

People Assisting the Homeless

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.

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.

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.

#GYFLT

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.

Budgeting

Ask Dave - Envelopes and Debit Cards

Sarah feels her attempts to budget are suffering because she only uses her debit card to pay for things. Listen as Dave offers some advice, explains the envelope system, and discusses the principles to successful budgeting. It's a great teaching segment.

#GYFLT

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.

LAHSA

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

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.

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.

LAHSA

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

Past Emotion + Finances = ??

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.

Financial Assistance for Single Moms

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.

Focus on your health care.

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

Treatment for Drug Abuse

Rehab Centers in your area

Rehab Centers

American Addiction Centers

American Addiction Centers

Resources for Drug Addiction

Drug Rehab Resources

Find help for any substance abuse or drug addiction here.