Course offerings include: Financial Planning Overview; Intermediate Quickbooks; Introduction to Quickbooks; Social Security Optimization and Stocks, Bonds and Investing. Courses vary each semester and are held at various locations. Call for detailed information.

Offers individual counseling for Nassau County seniors who have been victims of financial exploitation and abuse. Provides community education to raise awareness and offer suggestions on how to recognize and avoid senior financial abuse.

People suffering under the burden of student loans learn about the various payment plans, deferment programs and special options available. We provide a complete financial analysis to determine which program best suits the borrower.

Trained volunteers meet with individuals to discuss how to make adjustments to household spending on a reduced income, ideas for negotiating with electric and credit companies and also include one-on-one financial counseling for clients as needed as well as to discuss micro business loans and help with start up costs, capital or expansion. These trained volunteers will work with individuals to address crisis situations (foreclosure, garnishes or repossessions) as well as developing budgets that will ease the strain on finances.

Offers a wide range of financial services to New York State residents. Provides foreclosure assistance including help obtaining loan modifications and information on available federal programs. Assists Holocaust victims and their heirs in the recovery of stolen art, monetary assets deposited in banks and insurance monies owed to beneficiaries. Offers consumers assistance in filing complaints about lender banks, other financial institutions and insurance companies. Provides disaster assistance related to insurance and financial services.

Classes help participants learn more about locating community food assistance programs, developing spending plans, food shopping strategies and unit pricing, saving money away from home, container gardening and much more!

Provides comprehensive housing counseling services to individuals and families. Services include credit counseling, budgeting, pre and post home ownership counseling, foreclosure prevention counseling, and resources for down payment assistance programs.

Offers information on how to budget money, repair and build personal credit, and manage personal assets. Call for additional information.

The Debt Management Program (DMP) gives participants a personalized, structured, repayment plan to address each creditors requirements. Unlike a bankruptcy or debt settlement, clients repay 100% of the original debt over several years.

ETC provides temporary housing units for Social Services and permanent housing for homeless. Services include financial counseling, legal and family issues, community meals and employment assistance.

Assists Long Islanders who have student debt navigate the student loan repayment system. Develops an individualized plan for debt reduction, repayment options and financial planning. Mediates with loan services and lenders. Provides assistance in accessing student loan forgiveness programs and other financial resources.

The Supplemental Nutrition Assistance Program Education Program (SNAP-Ed) helps people with limited incomes learn how to eat better for less money. It is a free, confidential nutrition education program to help you and your family manage your food resources during tough economic times.

ACS provides classes on budget development & record keeping, consumer rights and obligations, complaint resolution, and individual budget and money management counseling.

Pre-purchase budget reviews and referrals to private lenders and government agencies, as well as default counseling to avoid foreclosure.

Focuses on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

A thrift store which also provides comprehensive job skills training opportunities, employment support services, and educational opportunities for residents for Orleans and Genesee Counties. Thrift store accepts donations of good condition household items, furniture, books, DVDs, CDs, collectibles, current educational materials, craft and hobby items, musical instruments, antiques, small and large appliances, and workplace apparel. Pick up available for donations of large household items and furniture. Employment services include resume and job search assistance, job skills training, and on-the-job work experience. Also offers free access to computers and internet for job searching activities. Educational services include high school equivalency preparation credit recovery. Also provides budgeting assistance, income/expense scheduling, and fax and copy services.

Works to enhance quality of life, financial stability, and economic independence for individuals and families. Offers one-stop assistance in a confidential environment to community members. Assistance available year round to help families improve financial management skills and succeed in the workforce. Services include: - Benefits Eligibility and Assistance - Financial Education Workshops - One-on-One Financial Mentoring - Banking Assistance - Education and Career Counseling - Resume and Job Development - Homeownership Assistance - College Entrance Assistance - Assistance completing the Federal Application For Student Aid (FAFSA) - Free Community Events - Free Tax Preparation Assistance for income eligible taxpayers (see separate listing for VITA at Buffalo Federation of Neighborhood Centers)

Provides information workshops with regard to foreclosure prevention and one-on-one counseling for borrowers in foreclosure. Offers assistance in payments of mortgage, utility, property tax and water service. Services include negotionation with lenders, services for loan modifications, budget counseling, and legal services may be provided.

Services provided on a case-by-case basis after assessment. Emergency assistance may include information, advocacy, referrals, emergency food, personal care toiletries, diapers (through Every Bottom Covered), clothing, household items, prescription medications, budgeting assistance, and utility payment assistance (Neighbor for Neighbor Heat Fund and Care and Share; see separate listings on these programs). Care Managers help families and their children achieve wellness goals by providing support and service navigation with various health and social care systems and other resources. Also provides a care management program centered around helping seniors access benefits, transportation, health care, and social services. Workforce Education program available for clients ages 13 and older. ##Veteran##

Focuses on creating asset development opportunities for both residents and entrepreneurs. Assists individuals in growing and investing in their communities by providing lending capital, training, consulting, technical assistance, seminars, workshops, and low-cost business rental space to new and existing businesses that would otherwise lack access to these services. Assists area residents in developing asset based thinking by providing financial literacy training, basic budgeting, and home appliance loans to combat predatory lenders. Loan programs and Cottage Industry Assistance Program target low to moderate income existing and prospective individuals. Chautauqua Microenterprise Loan Fund and the Women and Minority Microenterprise Loan Fund Programs help small businesses by providing small business start up and expansion loans. The small business incubator offers small businesses an opportunity to grow and stabilize with subsidies around rent, business services, and technical assistance. Program site serves as a Warming Center during times of excessive cold and as a Cooling Center during times of excessive heat. Always call ahead to make sure a Warming/Cooling Center is open before going there.

An educational program to help families or individuals with their finances by helping them devise a workable budget, analyze spending, assess credit and debt issues. This includes workshops for youth, adults, families one-on-one or in groups.

Various programs focus on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

Provides emergency assistance to individuals with an urgent need for food, personal care items, medication, or other assistance due to an unforeseen emergency; food vouchers provided. Works with clients on budgeting to prevent future emergencies. Provides group for separated/divorced parents and significant others who want to reduce conflict and effectively parent their children. Provides domestic violence classes for men whose participation is court ordered. These classes provide information on the impact of men's abuse of power on family members; men's violence against women in society and how to end it; the historical, societal and cultural aspects of domestic abuse, oppression, racism, and sexism; and community efforts to stop domestic violence at the local and national level. Also provides friendly phone calls for older adults in Genesee County.