Financial
Literacy ~
How to
Understand & Manage
Your
Finances
It
has never been more
important to
understand and
manage your
finances.
ACTION now has an
on-staff Financial
Literacy & Education
Coordinator to help.
Programs &
Services
FREE Tax
Preparation:
ACTION offers free
assistance with
State and Federal
income tax returns
at our main offices
located at 180 Main
Street in
Gloucester. Our
Coordinator and
trained volunteers
can help you file
your taxes
electronically, get
faster returns, and
claim credits such
as the Earned Income
Tax Credit - all at
NO cost to you. Call
to see if you are
income-eligible for
this service.
Appointments start
January 18.
IDA Savings
Program:
The
Individualized
Development Account
savings program
helps participants
save toward assets
such as a first
home, college
education, or small
business.
Financial
Classes &
Counseling:
ACTION periodically
offers classes on
financial topics
such as budgeting,
bankruptcy, credit
reports, and
managing expenses.
One-on-one budget
counseling may also
be available. Call
to learn more.
Class
Descriptions
■
Bankruptcy:
A local attorney
will discuss
bankruptcy, your
rights under state
and federal laws,
and whether
bankruptcy is the
right choice for you.
■
Basic Banking:
Learn
the basics of
banking – getting
your accounts in
order and managing
them, and
avoiding
fees.
■
Credit Reports &
Credit Scores:
Learn
how to read and
understand your
credit report, and
how your score
affects your long-
term plans and
financial goals.
■
Managing Income
& Expenses: Learn how to create a spending plan,
prioritize your
finances, work
toward long-term
goals, and save for
emergencies.
■
When Income
Decreases
but the Bills Don’t:
Learn
how to cope with one
of the most
stressful events in
your life by setting
financial priorities
and establishing a
spending and savings
plan.