Library

librarygirlLearning about financial credit and debt management is a critical skill for any adult as it helps the adult become financially responsible and knowledgeable, thus ensuring a secure financial future.

We’ve created a library to supplement our program that further educates you about financial, credit and debt management.

Our library has links to topics, tools, articles and other information.

Topics

• Credit Card Module: Credit Card Agreement and Important Terms

http://www.federalreserve.gov/creditcard/default.htm#

• Student Loans Module: Types of Student Loans

http://studentaid.ed.gov/types

• Mortgages Module: Types of Mortgages

http://www.usa.gov/topics/family/homeowners/buyingselling/mortgages/types.shtml

• Credit Reports Module: Credit Bureaus 

http://www.usa.gov/topics/money/credit/credit-reports/bureaus-scoring.shtml

• Taxes Module: 1040 EZ Filing Instructions and Form (2013)

Instructions link http://www.irs.gov/pub/irs-pdf/i1040ez.pdf

Form link http://www.irs.gov/pub/irs-pdf/f1040ez.pdf

• Taxes Module: W-2 Instructions and Form (2013)

Instructions link http://www.irs.gov/pub/irs-pdf/iw2w3.pdf

Form link http://www.irs.gov/pub/irs-pdf/fw2.pdf

• Taxes Module: W-4 Instructions and Form (2013)

Link for both instructions/form http://www.irs.gov/pub/irs-pdf/fw4.pdf

Tools

• Budget Calculator

http://www.direct.ed.gov/BudgetCalc/budget.html

• Budget Worksheet

http://www.consumer.gov/sites/default/files/pdf-1020-make-budget-worksheet.pdf

• Compound Interest Calculator

http://investor.gov/tools/calculators/compound-interest-calculator

• Credit Card Repayment Calculator

http://www.federalreserve.gov/creditcardcalculator/

• Simple Interest Calculator

http://www.bankrate.com/calculators/savings/simple-loan-payment-calculator.aspx

• Mortgage Payment Calculator

http://www.mshc.com/homebuyers/mortgage%20calculator.htm

• Retirement Calculator

http://apps.finra.org/Investor_Information/Calculators/1/RetirementCalc.aspx

• Student Loan Calculators

http://www.direct.ed.gov/calc.html

Articles  (General)

• Financial Literacy

http://wallstcheatsheet.com/stocks/how-badly-does-america-need-to-improve-its-financial-literacy.html/

• Financial Lessons

http://finance.yahoo.com/news/11-financial-lessons-avoid-learning-130718393.html

Credit Cards

• Credit Card Debt Forecasts

http://news.yahoo.com/credit-card-debt-forecast-signals-164828632.html

Debt

• Consolidating Debt

http://finance.yahoo.com/news/consolidate-debt-110051724.html

Student Loans

• Student Loan Bubble

http://wallstcheatsheet.com/stocks/is-the-college-debt-bubble-finally-bursting.html/?ref=YF

• Student Graduates with $100,000 in Loans

http://money.cnn.com/2013/06/19/pf/college/student-loan-debt/

Budget & Money Management

• Cut Spending in Half

http://finance.yahoo.com/news/could-cut-spending-half-000000017.html

• Bank Overdraft Fees

http://abcnews.go.com/Business/banks-reap-profits-overdraft-fees-consumers-lose/story?id=19373572

Credit Reports

• Building Good Credit

http://finance.yahoo.com/news/7-building-blocks-good-credit-070000434.html

• Tips to Fix Your Credit

http://blog.credit.com/2012/11/11-credit-repair-tips-to-fix-your-credit/?utm_source=Yahoo&utm_medium=content&utm_content=BO_3&utm_campaign=consolidate_debt

Mortgages

• First Thing to Do Before Buying a Home

http://finance.yahoo.com/news/first-thing-buying-home-110011359.html;_ylt=An3vK8crJ7W2_E7K.1adgYK65YdG;_ylu=X3oDMTI1dnB1a2k2BG1pdANCdXlpbmcgU3ViY2F0ZWdvcnkgbmV3IG5ldyBuZXcEcG9zAzE5BHNlYwNNZWRpYUJMaXN0TWl4ZWRMUENBVGVtcA–;_ylg=X3oDMTBhYWM1a2sxBGxhbmcDZW4tVVM-;_ylv=3

Insurance

• Unnecessary Insurance Policies

http://finance.yahoo.com/news/5-insurance-policies-dont-040001928.html

Taxes

• Tax-deferred Savings

http://finance.yahoo.com/news/tax-deferred-investing-matters-more-135510288.html

Identity Theft

 • Protecting Your Social Security Number

http://finance.yahoo.com/news/social-security-number-protect-205034329.html

Investment & Retirement

• Generation Y Retirement

http://money.usnews.com/money/retirement/articles/2011/09/15/gen-ys-2-million-retirement-price-tag

• 10 Things about Social Security

http://money.usnews.com/money/retirement/articles/2013/02/19/10-things-everyone-should-know-about-social-security