Are you looking for housing that meets your individual or family needs at a rent that you can afford? Search online for affordable rental properties throughout the state of New York, listed alphabetically by county and city/town.
Are you looking for housing that meets your individual or family needs at a rent that you can afford? Search online for affordable rental properties throughout the state of New York, listed alphabetically by county and city/town.
myBenefits is the fast and easy way to find out about many health and human services programs and how to apply for them, anytime and anywhere. The site is aimed at helping low income working families and individuals make ends meet. Programs include: food stamps, home energy assistance, earned income tax credits, child and dependent care credits, Medicaid, Family Health Plus, Child Health Plus and school lunch programs, among others.
Use these worksheets to calculate your weekly, monthly and annual expenses and costs so that you can begin planning your financial future with an accurate account of where you are now; this will allow you to determine your ability to save for a rainy day, unexpected expenses and retirement.
Do you need to get child support from a non-custodial parent? Are you paying child support but unsure what to do now that you have lost your job? New York Child Support provides assistance in obtaining financial support and medical insurance coverage. You can also call the New York Child Support Helpline at 1-888-208-4485; TTY 1-866-875-9975.
Use these worksheets to figure out what the best cell phone plan is for your needs and lifestyle.
Use this worksheet to determine how to select the best credit card deal.
Learn more about banks, credit unions, checking accounts, debit cards, ATM safety and how to comparison shop for a financial institution.
Are you at or near the limits on your lines of credit? Do you usually only pay the minimum on your credit cards? Are you thinking of borrowing money to pay your debts? Are creditors calling you regarding late payments? Does your financial situation weigh on your mind? If you answered ‘yes’ to any of these questions, credit counseling may be for you. Since 1972, Consumer Credit Counseling Service of Central New York (which also offers branches in other parts of the state, including an Albany branch and others) has been helping people just like you. Take control of your money and get on the right track to financial stability.
Understand how to choose and use credit cards without falling into debt, as well as what to do if you find yourself overwhelmed by debt.
Is the jargon involved with credit cards throwing you off? Understand the often-confusing terms used by credit card issuers.
Are you overwhelmed with debt? A credit counseling agency might be a good choice for you. Find out how to choose a credit counseling agency, and the questions you should ask before signing up.
Having a good credit report means it will be easier for you to get loans and lower interest rates, which usually translate into smaller monthly payments. Learn how you can improve your credit score.
Consider the pros and cons before deciding whether to use a credit card or a debit card.
BizKids is a television series from Rochester PBS station WXXI that teaches kids about money and business. You can find your local broadcast times via the Biz Kids website. WXXI also offers a virtual financial literacy workshop for the parents of young children.
The Federal Deposit Insurance Corporation (FDIC) includes a ‘train-the-trainer’ program, available in English and Spanish, designed for those interested in teaching financial education to others. The Jump$tart Coalition can help educators with curriculum enrichment to ensure that basic personal financial management skills are attained during the K-12 educational experience. The National Endowment for Financial Education also offers practical resources and materials created with educators and facilitators in mind, and the Council for Economic Education offers lesson plans, online teacher training and more resources that can assist in K-12 financial education.
A financial planner applies a very broad base of knowledge and understanding about tax planning, investments, and estate law to provide guidance to a client. Learn the questions you should ask a financial planner before working with him or her.
The Home Energy Assistance Program (HEAP) may help you pay for electricity, propane, natural gas, wood, oil, kerosene, coal or any other heating fuel so that you can reduce your energy expenses and keep your heat on when needed during winter months.
New York State agencies and departments have many resources available to help working families make ends meet. This portal offers a gateway into information on: work support programs that you may be eligible for, food stamps, nutrition programs, home energy assistance, weatherization assistance, child support, tax credits, job placement, social security, unemployment assistance, housing, student loans, education assistance and much, much more.
Every hour, someone in the state of New York needs essential services, but people often don’t know where to turn. The United Way encourages people to pick up the phone and dial 2-1-1 (or 3-1-1 in the New York City area) to get answers and assistance. Dial now, or click here to locate the 2-1-1 service in your area.
This episode-by-episode ‘Help Wanted’ curriculum for educators was developed by Employment Works! at the Mental Health Association of Columbia Greene Counties for the Personalized Recovery of Oriented Services (PROS) in Greene County.
This brief video from the New York State Department of Labor walks you through exactly what you need to do in order to apply for unemployment insurance. You can find additional information about how to file an unemployment insurance claim in New York State in this brochure or on this website.
Online resources are not particularly helpful unless you have relatively consistent access to a computer with an Internet connection. If you do not have suitable Internet access, your local public library can help. Find your local public library within the New York State public library system and begin making use of this valuable, free resource today.
Learn more about your rights in the areas of public benefits, supplemental nutrition assistance/food stamps, health benefits and child support. Search for help in public benefits, family law, divorce, child custody and domestic violence. To find legal assistance available in your area, visit LawHelp.org/NY and click on ‘Family and Juvenile,’ ‘Health’ or ‘Public Benefits.’ En Espanol: ayudalegalny.org y clik ‘Familia y Menores,’ ‘Salud,’ ‘Beneficios Publicos.’
Use this worksheet from the National Foundation for Credit Counseling (which has branches in Albany, Syracuse, Binghamton, Utica and Watertown) to determine your monthly balance or deficit. Then, use this worksheet in order to plan for short- and long-term goals.
If you are having trouble feeding your children, you are not alone and help is available. Use this resource to explore your options, which include school breakfast and lunch programs, the Women, Infants and Children (WIC) program, the Hunger Prevention and Nutrition Assistance Program (HPNAP), the Child and Adult Care Food Program (CACFP), Eat Smart New York (ESNY), food banks and food stamps.
Payday loans are very expensive and can become hard to pay back. Listed here, you will find several alternatives to obtaining a payday loan that you may wish to consider.
New York’s public library systems and public libraries offer job information, resources, and referrals for New Yorkers and people looking to work in New York State, as well as help with job training, consumer protection and family finance resources. Click here to find employment/job information links from a map of public libraries in New York State.
If you are a low- or middle-income worker, learn more about a free, IRS-sponsored program that allows you to have your taxes prepared and filed electronically at no cost.
