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FINANCIAL LITERACY:
Financial literacy is absolutely critical to making wise decisions with your hard-earned money, and CMBA and its partners strongly encourage you to take advantage of these programs. Many organizations and programs are available to provide assistance from budgeting to debt management to saving for homeownership.

Hands on Banking® Money skills you need for life
Everyone – kids, teens, and adults – is interested in money, and how to be a better money manager. It’s never too early, or too late, to gain new knowledge and skills to create a brighter financial future. Developed by Wells Fargo as a free public service, these innovative, entertaining financial literacy programs are great educational tools for the whole family and contain no commercial content. They are designed for self-paced, individual learning, as well as classrooms and community groups. The lessons are narrated, animated, colorful and fun!

Money Management International
Money Management International (MMI) is a nonprofit, community service organization that provides professional financial guidance, counseling, community-wide educational programs, and debt management assistance. Since 1958, Money Management International (MMI) and its family of agencies have helped consumers regain financial control of their lives and reduce their debt liabilities. Thousands of consumers nationwide have chosen the MMI Debt Management Program as an alternative to bankruptcy. MMI is the largest full service, non-profit credit counseling agency affiliated with the National Foundation for Credit Counseling (NFCC).

MMI provides free credit counseling to every client in need of financial guidance. Funding for all the services and programs offered through MMI is obtained through contributions, donations, grants and client fees. Although nominal fees are charged for some services and programs, no one is denied service based on their inability to pay a fee.

MyMoney.gov
The Federal Government's website dedicated to helping Americans understand more about their money – how to save it, invest it, and manage it to meet their personal goals. You can use the resources on this site to learn how to do these things and manage your money better – and we hope you'll share what you learn with others.

California’s Consumer Credit Counseling Services, Courtesy of the California Department of Consumer Affairs
The California Department of Consumer Affairs protects and serves consumers while ensuring a fair and competitive marketplace. In addition to licensing 2.3 million professionals in more than 100 business and 200 professional categories, the Department offers information to consumers about their rights and responsibilities. It has a list of resources for people who have run into credit problems.

ByDesign Financial Solutions
Budget and Credit Solutions - In a budget and credit counseling session, our counselor will review your current financial situation, establish personal financial goals and develop the best possible strategy to address your immediate needs as well as to achieve your financial goals.

Personal Finance Education - ByDesign Financial Solutions™ is home to one of the nation’s best consumer education departments. We offer a variety of very affordable educational programs and materials to address the needs of people in different life stages.

360 Degrees of Financial Literacy
(courtesy of the American Institute of Certified Public Accountants)
The 360 Degrees of Financial Literacy Web site offers general information for managing personal finances and does not recommend specific financial actions. For financial advice tailored to your situation, please contact an expert such as a CPA or a personal financial advisor.

Women’s Institute for Financial Education (WIFE)
The Women’s Institute for Financial Education (WIFE.org) is the oldest non-profit organization dedicated to providing financial education to women in their quest for financial independence.

Institute for Consumer Financial Education
Financial education for all age groups with a special section devoted to teaching children about money. Other features are Financial Wisdoms with a budget form, Tips for Using Credit Cards, Credit File Correction and Mending Spending

Operation HOPE’s “Banking on Our Future”
The mission of the Banking on Our Future (BOOF) program is to execute a nationwide delivery system for financial literacy education for youth ages 9-18 at no cost to school districts, with a focus on urban, under-served communities. The program consists of four modules, I. Basics of Banking, II. Checking & Savings Accounts, III. The Power of Credit, and IV. Basic Investments, that are taught by volunteer HOPE Corp members who are trained to break down their knowledge of banking and credit into terms that youth can understand and utilize immediately. In addition to financial education, the students are left with a message of empowerment, a message of responsibility, and most important, a message of HOPE.

Banking on Our Future Online Program

California Jump$tart Coalition
The Jump$tart Coalition for Personal Financial Literacy seeks to improve the personal financial literacy of young adults.

Jump$tart's purpose is to evaluate the financial literacy of young adults; develop, disseminate, and encourage the use of standards for grades K-12; and promote the teaching of personal finance.

The Jump$tart Coalition believes that all young adults need to have the financial literacy necessary to make informed financial decisions.

Money Camp
The word EMPOWER means "to supply or equip with the ability". Kids don't realize they're not getting the information they need because they don't know they need it until they become adults and are responsible for their own financial lives and finally realize they haven't a clue what to do with their money.

As an not-for-profit organization, we want to be there to supply kids with the information that leads to the ability to be financially independent. One of our goals is to touch as many lives as possible with our information and that means both promoting financial literacy and providing tools to teach it. The Money Camp for Kids Curriculum was designed to help us reach these goals!

It’s A Habit
“The It's a Habit! Company publishes children books, music, standards based lesson plans, training guides as well as conducts author and character appearances, workshops, etc. that encourage kids and their families to save, learn about money and multiply other empowering habits! The company's motto is: CHANGING CHILDREN AND FAMILY LIVES ONE HABIT AND DIME AT A TIME!”

The Money Club
The Money Club is brought to you by your friends at the non-profit Women's Institute for Financial Education (WIFE.org). We are on a mission to empower women to deal more effectively with money. Through the Money Club, you will find the information and support you need to set your own financial course.



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