Financial Literacy

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General Money Management

Vermont State Treasurer

109 State Street, 4th Floor
Montpelier, VT 05609
(802)-828-3706
vermonttreasurer.gov/

The State Treasurer’s Office offers programs and links for Vermonters at any age or stage. 

 

Champlain College's Center for Financial Literacy

champlain.edu/centers-of-excellence/center-for-financial-literacy

Champlain College's nationally acclaimed, one-of-a-kind financial literacy program hopes to increase knowledge of money matters in classrooms across Vermont, ensure college students graduate with the skills to make sound decisions about spending, credit and investments, and help adults navigate difficult financial situations like buying a home and saving for retirement. The Center for Financial Literacy is a partnership among several financial institutions, non-profit entities and governmental agencies. The Center is designed to promote and develop financial literacy skills in K-12 students, college students, teachers (K-12 and college) and adults.

 

Choose to Save

choosetosave.org

Choose to Save is a program of the Employee Benefit Research Institute’s Education and Research Fund, which includes saving tips about financial literacy. They include information on preparing for retirement, how to manage debts, effective budgeting, how to talk to your kids about money, and more. 

 

Financial Literacy Guide

189 S. Orange Ave, Suite 1600
Orlando, FL 32801
annuity.org/financial-literacy/ 

This website teaches financial literacy, how to manage your money, about paying bills, about borrowing and saving responsibly and how to invest and plan for retirement.

 

Mercy Connections: Personal Financial Empowerment Program

255 South Champlain Street
Burlington, VT 05401
(802) 846-7086
womenssmallbusines.wix.com

Tailored to the specific needs of women, WSBP's Personal Financial Empowerment program will address the technical information, accountability, fun, and support you need to take action in your personal financial life - and beyond!

 

Wi$eUp: Financial Planning for Generation X and Y Women

wiseupwomen.tamu.edu/

Wi$eUp is a financial education project that provides online lessons on achieving financial security targeted to Generations X and Y women. The program was developed through the oversight of the U.S. Department of Labor's Women's Bureau. Topics in the curriculum include setting financial goals, budgeting, money math, investing, and retirement planning. There's also an "Ask the Experts" feature and a teleconference call series.

 

Federal Reserve Education

federalreserveeducation.org

The Federal Reserve System is the central bank of the United States, founded by Congress in 1913 to provide the nation with a safer, more flexible, and more stable monetary and financial system.  This website includes information on finding your Federal Reserve District for programs, museums, and tours. It also provides a Student Workbook for students called My Money, an educational workbook for students in elementary school. The topics it covers include money, coin equivalents, jobs, goods, services and barter.

 

Feed the Pig

feedthepig.org/

Feed the Pig is a national public service campaign sponsored by the American Institute of Certified Public Accountants and the Ad Council. The campaign helps 25-34 year olds work toward long-term financial security.

 

My Money

mymoney.gov/

U.S. government's website dedicated to teaching all Americans the basics about financial education. The website is a product of the congressionally chartered Federal Financial Literacy and Education Commission, which is made up of more than 20 Federal entities that are coordinating and collaborating to strengthen financial capability and increase access to financial services for all Americans.

 

Community Action Agencies

humanservices.vermont.gov/community-partners/cp-community-action

Community Action Agencies help people to help themselves in achieving self-sufficiency.  Many agencies offer financial literacy programs – contact the location nearest you for more information. A great example: CVOEO’s Financial Futures Program.

Bennington-Rutland Opportunity Council (BROC)

45 Union Street
Rutland, VT 05701
(802) 775-0878 / (800) 717-2762
broc.org/

Capstone Community Action (Central Vermont)

capstonevt.org/

Washington County (Central Office)
20 Gable Place
Barre, VT 05641
(800) 639-1053 / (802) 479-1053

Lamoille County/Morrisville
197 Harrel Street
Morrisville, VT 05661
(800) 639-8710 / (802) 888-7993

Orange County East - Bradford
22 Whistle Stop Way
P.O. Box 500
Bradford, VT 05033
(802) 222-5419

Orange County West - Randolph
12 Prince Street
PO Box 284
Randolph, VT 05060
(800) 846-9506 / (802) 728-9506
 

Champlain Valley Office of Economic Opportunity (CVOEO)

255 South Champlain St.
P.O. Box 1603
Burlington, VT 05402
(802) 862-2771
cvoeo.org/

Northeast Kingdom Community Action (NEKCA)

70 Main Street
P.O. Box 346
Newport, VT 05855
(802) 334-7316 / 800-639-4065
St. Johnsbury: (802) 748-8997
Island Pond: (802) 723-6245
Canaan: (802) 266-7134
nekcavt.org

Southeastern Vermont Community Action (SEVCA)

91 Buck Drive
Westminster, VT 05158-9618
(802) 722-4575 / (800) 464-9951
sevca.org/

 

Better Money Habits

bettermoneyhabits.com/

An educational resource that offers information about credit, investment, home buying and many other financial topics. Better Money Habits partnered with Khan Academy to provide this resource.

 

Federal Deposit Insurance Corporation (FDIC)

877-ASKFDIC (877-275-3342)
fdic.gov/consumers/education/

The FDIC has compiled a list of Financial Literacy resources and online educational programs on proper consumer behavior and smart banking.

 

Retirement Planning/Social Security

Social Security Administration

33 School Street
Montpelier, VT 05602
877-505-4542
ssa.gov/women

Learn all about social security benefits for any age or stage.

 

Wiser Women

1140 19th Street, N.W. Suite 550
Washington, DC 20036
202-393-5452
wiserwomen.org/ 

A national education and resource center on women and retirement planning operated by WISER in partnership with the Administration on Aging

 

Financial Industry Regulatory Authority (FINRA)

Central Office
1735 K Street
Washington, DC 20006

Boston Office
99 High Street Suite 900
Boston, MA 02110

(301) 590-6500

finra.org/Investors/SmartInvesting/Retirement/Smart401kInvesting/Introduction/

FINRA provides a user-friendly guide to smart 401(k) investing for retirement, as well as a guide to understanding 401(k) retirement plans.

 

U.S. Department of Labor Retirement Guide

dol.gov/ebsa/pdf/top10ways.pdf

The U.S. DOL compiled a guide on the top ten ways to prepare for retirement.

 

National Women’s Law Center

1 DuPont Circle NW, Suite 800
Washington, DC 20036
202-588-5180
nwlc.org/our-issues/social-security-%2526-retirement 

Social Security and Retirement information for all women.

 

Tax Help

Vermont Department of Taxes

133 State Street
Montpelier, VT 05633
(802) 828-2505
tax.vermont.gov/

Information on Vermont tax rates, how to correctly file taxes in Vermont, and a free tax assistance program for low income and elderly people.

 

Internal Revenue Service (IRS)

irs.gov/Help-&-Resources

The IRS has put together a “Help & Resources” page on its website that covers a variety of topics such as ways to handle Identity Theft, how to fix a mistake on your Tax Return form, and how to notify the IRS of an address change.

 

Taxpayer Advocate Service (TAS)

1-877-777-4778
taxpayeradvocate.irs.gov/

The Taxpayer Advocate Service is an independent organization within the IRS. Its purpose is to help taxpayers communicate with the IRS, solve any tax-related problems they may have, and recommend ways to help prevent those problems in the future.

 

Vermont Law Help

1-800-889-2047
vtlawhelp.org/taxes

Legal aid for tax issues with the IRS (free for qualifying Vermonters), information on what action to take if one owes taxes back to the IRS.

 

Housing

Vermont Housing & Conservation Board

58 East State Street
Montpelier, VT 05602
802-828-3250
vhcb.org/index.html

Home ownership program for low-income families in Vermont. There is information on how to apply as well as a handbook which has an in-depth explanation of the program.

Vermont Emergency Shelter Contact Information  

vtaffordablehousing.org/

Includes a list of contact information for the General Population, Youth Only, Veterans Only, and Drop-in Shelter/Dayshelter. Contact information included for shelters in the Northeast, Centeral, Southeast, Southwest, Northwest, and Statewide.  

 

Neighborworks Alliance
vthomeownership.org/
Disaster Assistance Hotline: 888-698-8466

The Neighborworks Alliance is a group of five local organizations who offer full affordable housing services. It helps with home credit and finance, home rehab services, and home loans and grants.

RuralEdge
48 Elm Street
Lyndonville, VT 05851
(888) 698-8466
ruraledge.org/

Champlain Housing Trust
88 King Street
Burlington, VT 05401
(802) 862-6244
getahome.org/

Central Vermont Community Land Trust
107 North Main Street
Barre, VT 05641
(802) 476-4493

NeighborWorks® of Western Vermont
110 Marble Street
West Rutland, VT 05777
(802) 438-2303
nwwvt.org/

Windham & Windsor Housing Trust
68 Birge Street
Brattleboro, VT 05301
(802) 254-4604
w-wht.org/

 

Financial Education/Youth Programs

Champlain College's Center for Financial Literacy

champlain.edu/centers-of-excellence/center-for-financial-literacy

Champlain College's nationally acclaimed, one-of-a-kind financial literacy program hopes to increase knowledge of money matters in classrooms across Vermont, ensure college students graduate with the skills to make sound decisions about spending, credit and investments, and help adults navigate difficult financial situations like buying a home and saving for retirement. The Center for Financial Literacy is a partnership among several financial institutions, non-profit entities and governmental agencies. The Center is designed to promote and develop financial literacy skills in K-12 students, college students, teachers (K-12 and college) and adults.

TeachFinLit.org

teachfinlit.org

Created by high school teachers to help other teachers source financial literacy resources for the classroom, a great site for everyone to learn about finances created by Champlain College's Center for Financial Literacy.

 

Merchant’s Bank Financial Education

1-800-322-5222
mbvt.com/financial-education/

Merchant’s Bank has an education program called Vermont Teachers Financial Literacy Summer Institute which helps Vermont teachers better understand how to implement and instruct financial literacy courses for Vermont youth.

 

Vermont Jump$tart Coalition

Jumpstart Coalition VT
VT number: 877-242-8550
vermontjumpstart.wordpress.com/

Vermont Jump$tart Coalition is a volunteer nonprofit organization dedicated to improving the financial literacy of Vermont youth by providing advocacy, information, and educational resources. Vermont Jump$tart strives to prepare young people for life-long successful financial decision making.

 

Colin Ryan

colinryanspeaks.com
(802) 468-7565

Burlington based motivational speaker and comedian Colin Ryan presents principals of financial literacy using comedy to bring money to life. Colin speaks to student and adult audiences nationwide, and provides financial literacy training for banks, credit unions, financial companies, libraries, and schools.

 

Financial Planning for College

The Pell Institute for the Study of Opportunity in Higher Education

1025 Vermont Avenue, N.W.
Suite 1020
Washington, D.C. 20005-3516
(202) 638-2887
pellinstitute.org/

The Pell Institute conducts and distributes research and policy analysis to encourage policymakers, educators, and the public to better educational opportunities and results for low-income, first-generation, and disabled college students.

 

Vermont Student Assistance Corp. (VSAC)

services.vsac.org/wps/wcm/connect/vsac/VSAC

VSAC’s goal is to help Vermonters go to college or complete other training programs after high school. Its website includes many helpful resources for completing financial aid forms, scholarship applications, and other general information on paying for college.

 

Vermont State Employees Credit Union

One Bailey Avenue
Montpelier, VT 05602
(802) 371-5162
vsecu.com/personal/member-programs--resources/financial-education/resources/youth-financial-education

VSECU has put together a list of resources for helping Vermont youth become proficient in financial literacy.

 

UVM Financial Literacy Information

uvm.edu/~stdfinsv/stemploy/?Page=financialliteracy.html

UVM provides information on the importance of financial literacy, simple financial literacy tips, and a section on paying for college.

 

Elders

National Council on Aging

benefitscheckup.org/

BenefitsCheckUp is free service of the National Council on Aging (NCOA), a nonprofit service and advocacy organization in Washington, DC.  Many adults over 55 need help paying for prescription drugs, health care, utilities, and other basic needs. There are over 2,000 federal, state and private benefits programs available to help. But many people don’t know these programs exist or how they can apply.  BenefitsCheckUp asks a series of questions to help identify benefits that could save you money and cover the costs of everyday expenses

AARP (American Association of Retired Persons)

199 Main Street, Suite 225
Burlington, VT 05401
866-227-7451
aarp.org/work

AARP, Inc., formerly the American Association of Retired Persons website features information about personal finance regarding both work and retirement

 

Eden Alternative

P.O. Box 18369
Rochester, NY 14618
(585) 461-3951
edenalt.org/

The Eden Alternative non-profit dedicated to providing quality life for elders and their caretakers. Its website has resources for both consumers and providers to help ensure better care for the elderly.

 

Older Women's League (OWL)

666 11th Street, NW, Suite 700
Washington, D.C. 20006
(202) 783-6686
owl-national.org/

As the only national grassroots membership organization to focus solely on issues unique to women as they age, OWL strives to improve the status and quality of life of midlife and older women. OWL is a nonprofit, nonpartisan organization that accomplishes its work through research, education, and advocacy activities conducted through a chapter network.

 

Vermont Department of Disabilities, Aging, and Independent Living

HC2 South, 280 State Drive
Waterbury, Vermont 05671-2301
(802) 241-2401
dail.vermont.gov/

The Vermont Department of Disabilities, Aging, and Independent Living helps older persons and disabled adults live independently, find meaningful employment, receive quality health care services, and live free from abuse and neglect.