Rental Assistance

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Here is some informationon help with rent and utilities in Indiana: (copy and paste this link in your browser)

https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/renter-protections/find-help-with-rent-and-utilities/

 


Credit Reports and Credit Scores

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Here is a good article that explains the basics of credit reports and credit scores.  Copy this link into your web browser:

https://www.fdic.gov/resources/consumers/consumer-news/2021-08.html?source=govdelivery&utm_medium=email&utm_source=govdelivery


Credit Freeze

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A credit freeze is free at all 3 credit bureaus.  With a credit freeze, no one can take out a new account in your name.  You will still be able to look at your own credit report, and so can your current creditors.


Financial Calculator

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Do you need to figure out when your credit card will pay off? Or get an idea for a retirement plan?  Check out this website to do all sorts of financial clculations:

https://www.dinkytown.net/


Which Bills You Should Pay

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You may not be able to pay all of your bills.  Here is a tool to help you figure out which bills are important, and how to manage the bills you can’t pay on time:

https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_prioritizing-bills_tool.pdf


Use Your Tax Refund to Start Your Emergency Fund

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You can use your tax refund to get your savings started.  Put some of your refund in the bank to prepare for any emergencies.  Here is some helpful information:

https://www.consumerfinance.gov/start-small-save-up/start-saving/how-to-use-your-tax-refund-to-build-your-emergency-funds/


Emergency Fund

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You should try to keep 3 to 6 months of expenses in an emergency fund.  It is not a good idea to keep this in cash.  Keep this in a bank account that is FDIC insured.  That is a safe method.


Cut Your Expenses

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Here are some tips on how you can cut your expenses.  This will allow you to then save money for your bigger goals, such as buying a car or a house:

https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_cutting-expenses_tool.pdf

Copy and paste the link above into your browser.

 

 

 


Credit Unions

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When it comes to car loan rates or mortgages, credit unions can have the best rates.  Use this locator to find a credit union near you:

https://mapping.ncua.gov/

 


Store credit cards

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A retail store credit card can only be used at that store or an affiliated group of stores.  These can be easier to get than a regular credit card if you have poor credit.  They can be a good way to build your credit.


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