Tools & Resources

Third-party apps, books, websites, and other resources to help you better understand and take control of your financial well-being.

  • Articles

    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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)

      read more
    • 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)

      read more
    • 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).

      read more
  • Books on Financial Wellness

    • 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.

      read more
    • 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!

      read more
    • 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.

      read more
    • 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.

      read more
  • Financial Management

    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • Rockstar Financial Resource Directory

      Rockstar Financial Resource Directory

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

      read more
    • 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.

      read more
    • Debt Snowball

      Free Debt Snowball Calculator

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

      read 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.

      read 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.

      read more
    • Evolve Learning Center

      The Evolve Learning Center is a great financial program that helps anyone looking to improve their personal finances by educating them on financial management, credit, budgeting, taxes, loans, debt, etc.

      read more
    • 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.

      read more
    • Community Services Agency

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

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
  • Homelessness

    • 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.

      read more
    • 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.

      read 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.

      read more
    • 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.

      read more
    • LAHSA

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

      read more
  • Organizations

    • 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.

      read 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read 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.

      read more
    • Community Services Agency

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

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • 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.

      read more
    • LAHSA

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

      read more
    • #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.

      read more
  • Podcasts

    • #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.

      read more
  • Senior

    • LAHSA

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

      read more
  • Veterans

    • 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.

      read more
    • 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.

      read more
    • LAHSA

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

      read more
  • Wellness and Mental Health

Did you know?
We have a serious financial literacy problem. America is Failing