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سیستم یکپارچۀ سازمانی راهکار







سرفصل های کتاب Your Money Your Goal


Table of contents
MODULE 1: Introduction to the toolkit .....................................................................1
An introduction to the CFPB............................................................................. 2
Financial empowerment and your life .............................................................. 4
Financial empowerment: A way to improve client and program outcomes .... 4
Making referrals ................................................................................................ 6
The goal of Your Money, Your Goals................................................................ 7
MODULE 2: Assessing the situation ........................................................................9
Tool 1: Financial empowerment self-assessment ...........................................11
Tool 2: Client goal and financial situation assessment.................................. 21
MODULE 3: Starting the conversation ...................................................................27
When should I bring up money topics? ..........................................................28
How should I bring up money topics? ............................................................ 29
MODULE 4: Emotional and cultural influences on financial decisions ...............39
Emotional influences on financial decisions .................................................. 39
Cultural influences on financial decisions ......................................................40
Cultural conflicts ............................................................................................. 41
How can this understanding help my clients?................................................ 41
MODULE 5: Using the toolkit ..................................................................................43
How does it work? ........................................................................................... 43 YOUR M ONEY, YOUR GOALS: A FINANCIAL EMPOWERMENT TOOLKIT FOR SOCIAL SERVICES PROGRAMS i
Tool 1: Client financial empowerment checklist ............................................ 45
MODULE 6: Setting goals ........................................................................................49
Setting SMART goals.......................................................................................50
Turning goals into savings targets .................................................................. 52
What about revising goals? ............................................................................. 54
Saving for education........................................................................................ 55
Tool 1: Goal setting tool.................................................................................. 57
MODULE 7: Saving for the unexpected, emergencies, and goals .......................61
What is savings? .............................................................................................. 61
How to save .....................................................................................................62
Savings and public benefits............................................................................. 63
Savings plan ..................................................................................................... 63
What are the benefits of a savings plan?......................................................... 65
A safe place to save .......................................................................................... 67
Direct deposit and savings ..............................................................................68
Tool 1: Savings plan .........................................................................................71
Tool 2: Benefits and asset limits .................................................................... 75
Tool 3: Finding a safe place for savings ......................................................... 79
Tool 4: Increasing your income through tax credits......................................83
MODULE 8: Managing income and benefits ..........................................................87
Income ............................................................................................................. 87
Benefits ............................................................................................................88
Getting income ................................................................................................89
Tool 1: Income and financial resource tracker ............................................... 93
Tool 2: Strategies for increasing sources of cash and financial resources .... 97


Tool 3: Cash, paychecks, direct deposit, payroll cards, and EBT— understanding the benefits and risks.............................................................101
MODULE 9: Paying bills and other expenses ......................................................107
Paying bills..................................................................................................... 108
When cash is short: Prioritizing bills ............................................................. 111
Tool 1: Spending tracker................................................................................ 115
Tool 2: Bill calendar.......................................................................................121
Tool 3: Strategies for cutting expenses ........................................................ 125
Tool 4: When cash is short—prioritizing bills and spending ....................... 129
MODULE 10: Managing cash flow.........................................................................133
What is a cash flow budget? .......................................................................... 133
Making a cash flow budget ............................................................................ 134
Tool 1: Cash flow budget ............................................................................... 135
Tool 2: Cash flow calendar ........................................................................... 145
Tool 3: Improving cash flow checklist .......................................................... 149
MODULE 11: Dealing with debt .............................................................................157
What is debt? ..................................................................................................157
Good debt, bad debt?......................................................................................157
Tool 1: Debt management worksheet........................................................... 169
Tool 2: Debt-to-income worksheet ...............................................................173
Tool 3: Debt-reduction worksheet ................................................................177
Tool 4: Student loan debt ..............................................................................181
Tool 5: When debt collectors call ................................................................. 185
MODULE 12: Understanding credit reports and scores .....................................193
What are credit reports? ................................................................................ 193
Why do credit reports and scores matter? .................................................... 193
What is in a credit report? ............................................................................. 194
Negative information .................................................................................... 196
Example credit report.....................................................................................197
Disputing errors on credit reports ................................................................204
What are credit scores? .................................................................................207
Tool 1: Getting your credit reports and scores ..............................................211
Tool 2: Credit report review checklist ...........................................................217
Tool 3: Improving credit reports and scores................................................223
MODULE 13: Evaluating financial service providers, products, and services .............................................................................................................227
Financial service providers ........................................................................... 227
Choosing financial products..........................................................................228
Managing a bank account..............................................................................229
Tool 1: Selecting financial service products and providers.......................... 235
Tool 2: Evaluating financial service providers .............................................239
Tool 3: Types of financial services................................................................243
Tool 4: Opening account checklist ...............................................................249
MODULE 14: Protecting consumer rights ............................................................255
Consumer complaints.................................................................................... 256
It’s your money—be aware and take care...................................................... 257
Tool 1: Red flags............................................................................................ 261
Tool 2: Protecting your identity ...................................................................263
Tool 3: Submitting a complaint....................................................................269
Tool 4: Learning more about consumer protection..................................... 273




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