Financial Literacy

General Money Management

Vermont State Treasurer
109 State Street, 4th Floor
Montpelier, VT 05609
(802)-828-3706
http://www.vermonttreasurer.gov/financial-literacy/
http://www.vermonttreasurer.gov/financial-literacy/resource-clearinghouse

The State Treasurer’s Office offers programs and links for Vermonters at any age or stage.  Note: menu selections on these pages are on the right.

 

Champlain College's Center for Financial Literacy
http://www.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.

 

Champlain Valley Office of Economic Opportunity
255 So. Champlain Street
PO Box 1603
Burlington, VT 05402
(802) 860-1417 X 114
http://www.cvoeo.org/?fuseaction=dep_intro&dept_id=17

The Champlain Valley Office of Economic Opportunity offers a free educational program to help Vermonters achieve economic independence.

 

Choose to Save
www.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 tells you how about financial literacy. It teaches you how to manage your money, teaching about paying bills, how to borrow and save money responsibly and how and why to invest and plan for retirement. Contents talk about personal finance, debt, budgeting, money in the bank, and more. 

 

This website tells you how about financial literacy. It teaches you how to manage your money, teaching about paying bills, how to borrow and save money responsibly and how and why to invest and plan for retirement. Contents talk about personal finance, debt, budgeting, money in the bank, and more. 

Mercy Connections: Personal Financial Empowerment Program
255 South Champlain Street
Burlington, VT 05401
(802) 846-7086
http://womenssmallbusines.wix.com/wsbpinterim#!personal-finance-coaching/ma4e2

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
http://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
www.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
http://www.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
http://www.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.

 

Smart About Money
http://www.smartaboutmoney.org/

The National Endowment for Financial Education has put together these resources to help you evaluate your current financial situation, identify goals and develop a plan to reach them.

 

Tomorrow's Money
http://vermont.tomorrowsmoney.org/

The Vermont State Treasurer and The Bond Market Foundation present this useful website with links for women interested in learning more about retirement, budgeting, financial planning, families with deployed soldiers, financial help for caregivers, and more.

 

Vermont Community Action Agencies
http://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.

 

Better Money Habits
http://www.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.

 

Champlain College’s Center for Financial Literacy
251 S Willard Street
Burlington, VT 05402
http://www.champlain.edu/centers-of-excellence/center-for-financial-literacy

The Center for Financial Literacy at Champlain College aims to give all Vermont youth the tools to become financially independent and literate. Its website includes resources for educators, instructional videos on financial literacy, and information on the programs it sponsors.

 

Federal Deposit Insurance Corporation (FDIC)
877-ASKFDIC (877-275-3342
http://www.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
1-877-505-4542
www.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
http://www.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)
1735 K Street
Washington, DC 20006
301-590-6500
http://www.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
http://www.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
http://www.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
http://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)
http://www.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
http://www.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
http://www.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
http://www.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
http://www.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, PO Box 259
Lyndonville, VT 05851
(888) 698-8466

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

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

Windham & Windsor Housing Trust
68 Birge Street, Brattleboro, VT 05301
(802) 254-4604
 

Financial Education/Youth Programs

Champlain College's Center for Financial Literacy
http://www.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
http://www.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
http://www.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
https://vermontjumpstart.wordpress.com/

National Headquarters
919 18th St. NW, Suite 300
Washington D.C., 20006

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
www.colinryanspeaks.com
802.468.7565

Burlington based motivational speaker and comedian Colin Ryan presents principals of financial literacy using comedy to bring money to lifeColin 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
http://www.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)
http://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
https://www.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
http://www.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
http://www.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

American Association of Retired Persons (AARP), Inc.
199 Main Street, Suite 225
Burlington, VT 05401
866-227-7451
www.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
http://www.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)
1625 K Street, NW Suite
Washington, D.C. 20006
(202) 567-2606
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
103 South Main Street
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.