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Financial Literacy Resources

Saving/Investing/Wealth Building

Savings information


Saving Money and Seeing It Grow - The Beehive provides information about a variety of money saving topics, including savings accounts, basic investments, controlling your debt, and much more.

Tools and Resources for Saving Money - The American Savings Education council offers a wide variety of tools and resources for you to learn about saving, interest, encouraging and preparing youth to save, retirement, savings education programs and events in your area, and many other related money saving subjects.

Financial Resources for Consumers - NEFE, the National Endowment for Financial Education, has many resources for consumers to aid in making informed decisions about finances with topics such as: financial readiness, financial psychology and lifechanging events, and raising a money-smart child. Site also has a wealth case kit.

Wealth Building/Individual Development Accounts

America Saves - America Saves, a nationwide campaign consisting of nonprofit groups, financial institutions, employers, and government agencies, gives tips about how to save money, ways to reduce your costs and put more money in your wallet, and ways to increase the money that you already have.

Investing/Retirement


All About Retirement Planning - The Ohio State University Extension answers common retirement questions about how much money you need to retire, how to save for retirement, employer retirement plans, record keeping, and ways to generate money after retiring.

IRA (Individual Retirement Account) - This issue of the OSU Extension's publication, "All About Money," focuses exclusively upon IRA's, what they are, types of IRA's and how each works, and conversions between different types.

Start with Mutual Funds - This edition of "All About Money" provides information about mutual funds, including how you can make money on them, their objectives, different types, selecting the best mutual fund for you, and much more.

Credit/Budgeting


The Basics of Budgeting - The Beehive, an educational resource of One Economy, offers introductory information about budgeting, such as what a budget is and its purpose, advantages to starting and maintaining a budget, and how it can help control your spending and debt.

Manage Your Money - The Ohio State University Extension gives a brief overview of money management in a six lesson self-study program that includes information about tracking and planning your spending, identifying any problematic spending habits that can be eliminated, developing a comprehensive budget, dealing with occasional expenses, gaining credit control, and organizing your important financial records.

In Over Your Head: Life Saving Strategies for Financial Crisis - Know what to do when you are unable to pay your bills, dealing with collectors and creditor harassment, developing repayment plans, prioritizing the payment of debts owed, and downsizing your budget. This website also provides printable sample documents to help you know what you owe and to create a down-sized budget.

Some Option$ for Re$ourceful Living - "All About Money" writes about saving money by using less/substituting, taking care of what you have, do-it-yourself, and improving shopping skills to reduce costs of food, transportation, housing, clothing, and medical.

Checking Accounts, Credit, and Credit Cards - The Beehive provides information about topics including checking accounts, ATM cards, debit cards, loans, credit cards, and your credit rating.

Practical Money Skills for Life - Visa has produced this comprehensive financial education website as a public service for teachers, students, parents, and consumers to access a wide array of information about saving, budgeting, smart shopping, debt, identity theft and security, and much more.

Abusive Credit Practices/Predatory Lending Education

Predatory Lending


What is Predatory Lending? - The National Training and Information Center provides information about the basics of predatory lending, including the types of practices predatory lenders engage in, who they target, and how they impact communities.

Protect Yourself from Predatory Lenders - Learn about how the US Department of Housing and Urban Development (HUD) recommends you can be a smart, informed consumer rather than a victim of predatory lending. HUD includes eleven steps on how you can be a smart consumer, what predatory lending is, and how to recognize the schemes employed by lenders.

The Housing Center Calendar of Community Educational Events - The Housing Center, a nonprofit fair housing advocacy organization, provides a list of workshops in the Cleveland/Northeast Ohio area for you to learn about fair housing, fair lending, predatory lending, and other related subjects.

How to Avoid Predatory Lenders - The American Association of Retired Persons (AARP) offers insight about financing your home purchase, with information about predatory lenders and how to avoid them, how to recognize dishonest lending scams, how to find an honest lender, and what you should do before and after agreeing to a loan.

Seven Signs of Predatory Lending - The Center for Responsible Lending gives seven signs of predatory lending to identify indicators of harmful home equity lending practices and what to watch for when seeking a loan.

Payday Lending: The Debt Trap - Payday lending, also called cash advance, is a practice that often provides loans at extraordinarily high interest rates. The Center for Responsible Lending includes information about what payday loans are and how they seek to take advantage of unknowing persons.

Fair Housing


Fair Housing Act: Title VIII - The Fair Housing Act prohibits discriminatory practices in the sale, rental, and financing of dwellings based on race, color, religion, sex or national origin. Read the act as it was adopted on the website of the US Department of Justice.

Fair Housing Government Agencies


Fair Housing Board: City of Cleveland - The Fair Housing Board of the City of Cleveland was established in 2000 to ensure all Cleveland citizens receive fair and equitable treatment in purchasing or renting housing or commercial property. See what kind of ordinances the city has enacted to ensure that the civil rights of citizens are protected in real estate related transactions.

Ohio Civil Rights Commission - The Ohio Civil Rights Commission addresses discrimination on the basis of race, color, religion, gender, national origin, age, and disability in employment, housing, and public accommodations. Learn about how to file a charge of discrimination or find a satellite office near you.

US Department of Housing and Urban Development - The mission of the US Department of Housing and Urban Development (HUD) is to increase homeownership, support community development and increase access to affordable housing free from discrimination. Learn about how HUD ensures equal access to housing, guarantees equal opportunity in all HUD programs and prohibits, to a limited extent, discrimination in employment with respect to HUD programs.

US Department of Justice - The US Department of Justice is responsible for enforcing anti-discrimination legislation including the Fair Housing Act, which prohibits discrimination in housing, the Equal Credit Opportunity Act, which prohibits discrimination in credit, and Title II of the Civil Rights Act of 1964, which prohibits discrimination in certain places of public accommodation, such as hotels, restaurants, nightclubs and theaters.

Financing a Major Purchase

Calculators to assist in homebuying


Fannie Mae Mortgage Calculators - The Fannie Mae Foundation offers several different financial calculators to help determine the true costs of a mortgage loan, how much house you can afford, what your monthly payments will be, and if now is a good time to refinance.

Ginnie Mae Mortgage Calculator - Ginnie Mae and the US Department of Housing and Development have designed a calculator to help you determine how much house you can afford based on your income and monthly debt payments.

General Financial Literacy


Federal Citizen Information Center - The Federal Citizen Information Center is an all-encompassing website of the federal government that provides information on a variety of different topics in addition to finances, housing, and scams/frauds.

Consumer Resources at Bankrate Inc. - Bankrate Inc. is an Internet consumer finance marketplace that "owns and operates a portfolio of Internet-based personal finance channels including banking, investing, taxes and small-business finance." Bankrate provides information about many consumer topics, such as when to buy a car, mortgage rates, and savings and loans, in an objective manner.


©2004 The Northern and Central Ohio Partnership for Financial Education ~ Technical Questions? ~ Content Questions?