January Resources of the Month

Financial Wellness in the New Year

Change can be difficult and that’s one of the many reasons New Year’s resolutions don’t always stick. Making a resolution to spend differently, to save more, and to rebuild credit might feel like big change. The key is looking at the small actions you can take to stay on track. These are small tips that can lead to big differences for you and your wallet.

  • Take charge of your credit: Did you know you can obtain a free credit report annually? Knowing what’s on your report is the first step in addressing any credit issues.
  • Save more – Set it and forget it: Do you have direct deposit? Do you have a portion of your paycheck go directly into a savings account? Automatically sending part of your pay to a savings account is a good way to ensure you save.
  • Track your spending: Not sure where your spending your hard-earned money? It’s easy to lose track and small things can add up.Take the time you need to track your spending and to keep yourself accountable to your budget.

Community Resources

Financial coaching

Do these all sound like good tips but you still feel overwhelmed? Not sure where to begin toward your financial goals? You don’t have to go it alone. If you would like free, confidential, objective, financial coaching to help you identify steps to improve your financial wellness, contact your Resource Coordinators, Lisa Jensen 802-922-6297 or Connie Beal, 802-881-4218.

Free tax preparation services

Did you know the IRS estimates the average cost is $210 to have a professional prepare a 1040, 1040A or 1040EZ tax return? If you estimate your household income was $53,000 or less, you may be eligible for free one-on-one tax preparation assistance through Working Bridges mobile tax program. Contact your Resource Coordinator to make an appointment.

Want to file your own taxes? If you estimate your household earned $60,000 or less, visit www.myfreetaxes.com to prepare both your federal and state return for free.

Champlain Valley Office of Economic Opportunity (CVOEO) Financial Futures program

If your priority is learning more about money management, building your financial stability or increasing household assets, Financial Future Program offers these key services: Financial Skill Building and Planning, Matched Savings for Key Goals, Micro Business Development. Contact CVOEO to learn about their program 802-860-1417 X 114 or growingmoney@cvoeo.org.

These resources are prepared by Connie Beal, CCV’s Working Bridges Resource Coordinator from the United Way of Chittenden County. Contact Connie at 802-881-4218 or connie@unitedwaycc.org

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