Just getting through the month

With all of life’s responsibilities, is it easy to put our personal finances on the back burner.  With a job, family, friends, and running a household to fill our time, we never seem to have time to create a budget (oh, that dreaded word!).  Some of us have never been taught money management and some of us have strong emotions around the topic of money.  But with a little effort, the payouts can be large in terms of feeling in control of our lives.  Following find tools and resources around money management:

Mass Resources

Massachusetts and Tool

http://www.mass211.org/

Massachusetts 2-1-1 was developed by Community Resources Information, Inc. (CRI), a not-for-profit, tax exempt, 501(c)(3) charitable organization. CRI's principal mission is to develop and maintain Internet web sites that provide information about assistance programs and other resources for people with limited incomes. Mass Resources has a Benefits Screener to give you a general idea of the range of programs for which you might be eligible in Massachusetts.

Office of Economic Empowerment

Massachusetts

http://www.mass.gov/treasury/empowerment/

This website, sponsored by Massachusetts State Treasurer Deborah Goldberg, is tasked with supporting, advocating, and facilitating policies that empower all Massachusetts residents. Its priorities include closing the wage gap, increasing access to financial education, improving college affordability, and investing in STEM careers and education.

Staying Afloat, Managing Your Finances in a Changing Economy

Massachusetts, Resource and Tool

http://www.massassets.org/sites/default/files/Staying%20Afloat.pdf

This book, published by the Midas Collaborative, the Massachusetts Financial Education Collaborative and the Commonwealth of Massachusetts Department of Housing and Community Development offers nine ways to save your money, reduce your expenses, and protect your future.

Benefits.gov

Tool

http://www.benefits.gov/

Benefits.gov was launched in an effort to provide citizens with easy, online access to government benefit and assistance programs. Its mission is to reduce the expense and difficulty of interacting with the government while increasing citizen access to government benefit information.  The site's core function is the "Benefit Finder." Answers to this questionnaire are used to evaluate your situation and compare it with the eligibility criteria for more than 1,000 federally-funded benefit and assistance programs. Each program description provides you with the next steps to apply for any benefit program of interest.

Mint.com

Tool

https://www.mint.com/

Mint is an on-line platform that you can use on your computer, tablet, or smartphone.  It pulls all your financial accounts into one place so that you can set a budget, track your goals, and do more with your money, for free!

Money Strands

Tool

https://moneystrands.com/

This is an easy-to-use personal finance service that automatically gathers data for financial accounts including savings, checking, loans and credit cards, and provides users with an up-to-date, accurate, unified view of their finances. This tool offers personalized money-saving advice and recommendations. The application supports 44 currencies and is available in both English and Spanish.  It can be used on a computer or smartphone.

Buxfer

Tool

https://www.buxfer.com/

Buxfer’s goal is to create the best personal finance application on the web. Money is typically not the topic of discussion for a group of twenty-somethings wanting to have fun with their lives. But that's only because today's finance applications make it difficult and boring. That's what Buxfer has set about to change! They want people to understand their finances effortlessly- and to have fun while doing so.

SaveUp

Tool

https://www.saveup.com/

Unlike other rewards programs that require you to spend large sums of money to earn points, or lock you in to specific financial products with annual fees, SaveUp is a free rewards program that connects to your existing accounts. SaveUp rewards you for increasing your savings and reducing your debt in almost any bank in the U.S.

Wise Bread

Resource

http://www.wisebread.com/

Wise Bread is a community of bloggers here to help you live large on a small budget. Despite what you may have heard, you don't have to sacrifice your financial independence to enjoy life.

My Money.gov

Resource

http://www.mymoney.gov/index.html

The 21 Federal entities that compose the Financial Literacy and Education Commission provide the materials that are available via this website and the 1-888-MyMoney hotline. The Secretary of the U.S. Department of Treasury chairs the Commission, and the Treasury's Office of Financial Education and Financial Access provides staff support for the Commission's activities.

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