Financial Resources
Tools and guides to help you build credit, create a budget, save money, and access benefits you may qualify for.
Credit Reports Yearly
Max Rent of Income
Savings Goal
Good Credit Score
Credit Building & Monitoring
AnnualCreditReport.com
Get your FREE credit report from all 3 bureaus once per year - the only official free source
Get Free ReportCredit Karma
Free credit scores, monitoring, and personalized recommendations to improve your credit
Check Your ScoreCFPB Credit Building Guide
Consumer Financial Protection Bureau guide to understanding and building credit
Learn MoremyFICO Score Estimator
Understand how different actions might affect your FICO credit score
Try EstimatorBudgeting Tools & Guides
Budget Worksheet
Printable worksheet to plan and track your monthly budget in detail
Download WorksheetCFPB Budget Planner
Step-by-step interactive budget tool from the Consumer Financial Protection Bureau
Start Planning50/30/20 Budget Guide
Learn the simple budgeting rule: 50% needs, 30% wants, 20% savings
Learn MethodFinancial Assistance & Counseling
Benefits Data Trust
Free help applying for SNAP, Medicaid, LIHEAP, and other public benefits
LIHEAP (Heating Assistance)
Low Income Home Energy Assistance Program helps pay heating and cooling bills
PA COMPASS Benefits Portal
Apply online for food stamps (SNAP), cash assistance, healthcare, and more
Clarifi Financial Counseling
Free financial coaching, debt management, and housing counseling in Philadelphia
Savings Programs & Incentives
America Saves
Free program to help you set savings goals and stay motivated
Take the PledgeSaverLife
Save money and earn rewards - connect your account and get cash rewards for saving
Start EarningFinancial Wellness Tips
Start Small
Even $10/week adds up to $520/year. The key is consistency, not amount.
Pay Bills On Time
Payment history is 35% of your credit score. Set up autopay or reminders.
Build Emergency Fund
Aim for $500-$1,000 first, then work toward 3 months of expenses.
Important Note
These resources are provided for informational purposes only. Always verify current program requirements and availability. For personalized financial advice, consider speaking with a certified financial counselor or HUD-approved housing counselor.
