The information contained in this Resource Guide was compiled by Utah Saves. Utah Saves and its partner organizations do not endorse the products or services offered, but we do our best to conduct due diligence and best practices on the integrity of these resource, publications, and service providers.

Questions? Call the Utah Saves Moneyline: 1-800-350-9899 (se habla espanol)

Auto Buying		Financial Calculators	Marriage & Money
Banking Education		Financial Planning	Military Personnel
Bankruptcy		Online Training	Personal Finance
Budgeting		Get Checking	Retirement
Children & Money		Gov't. Assistance Programs	Estate Planning/Wills
Child Support		Homeownership	Savings Strategies
Consumer Finance Laws		HUD Approved Counseling	Spanish Resources
College Planning		Identity Theft	Social Security
Credit & Debt		Individual Development Accounts	Student Loans
Credit & Debt Counseling		Insurance	Taxes
Credit Reporting		Investing	Unclaimed Property
Elderly/Seniors		Jobs and Career Assistance	Women & Money
Entrepreneur		Legal Information	12-Step Programs
Financial Binder		Life Events Guides	Recommended Reading
Financial Education		Living With In Your Means	---

Auto Buying/Leasing

Organization	Phone
America Saves	1-800-350-9899
KeyBank
Zions Bank	1-800-789-8800

Banking Education

Organization	Phone
AAA Fair Credit Foundation	1-800-351-4195
Federal Reserve Bank
Hands on Banking

                              

Bankruptcy

Organization

American Bankruptcy Institute

Bankruptcy Data

Budgeting & Spending Management

Organization	Phone
Mvelopes Personal Finance	1-866-367-4626
AAA Fair Credit Foundation	1-800-351-4195
Budget Central
The Dollar Stretcher
USU Extension--Power Pay

Financial Articles:
When Your Income Drops - Sharpen Your Survival Skills	Holiday Spending Tips
Are You an Overspender?	How Does Your Cash Flow
Balancing Income and Expenses	Ponzi Schemes
Control Stress	The Bucket Theory of Financial Management
Creating a Budget	Tips for Sticking to Your Financial Plan
Don't Panic -Take Control	When Your Income Drops - Keep a Roof Overhead Return to Top
Evaluating Income

Children & Money

Organization	Phone
Utah Jump$tart Coalition	1-800-520-9588
ConsumerCents Financial Literacy 2010
Zions Bank, Bank jr.
Zions Bank, Bank High School
Federal Citizen Information Center
National Council for Economic Education
National Endowment for Financial Education
Practical Money Skills
Young Money
Young Investor
The Stock Market Game
KeyBank Financial Article: The Basics in Teaching Children about Money

 

Child Support

Organization
UT Department of Human Services
Federal Office of Child Support Enforcement

Consumer Financial Protection Laws

Organization
Federal Trade Commission
The Federal Reserve Board
Fair Credit Reporting Act
Equal Credit Opportunity Act
Fair Credit Billing Act
Fair Debt Collection Practices Act

College Planning/529 Plans/Financial Aid

Organization	Phone
Utah Educational 529 Plan	801-321-7188
Utah Individual Development Account Network	877-787-0727
Utah Higher Education Assistance Authority	801-321-7200
Financial Planning Association--Utah Chapter	801-290-4895
State Farm Insurance
College Parents of America	703-791-7128
UPromise
Saving for College
AICPA
Mapping Your Future
College Savings Bank
Financial Aid
Key Bank

Credit and Debt

Organization	Phone
Fannie Mae Foundation	1-800-688-4663
AAA Fair Credit Foundation	1-800-351-4195
Bankrate
AICPA

Financial Articles:
Bankruptcy	How to Tell if You Have Too Much Debt
Debt Brought into Marriage - The Anti-Dowry	Options for Managing Debt
Debt Consolidation	Payday and Cash Advance Loans
When Your Income Drops - Plan to Pay Creditors and Protect Family Welfare	Reducing Credit Card Debt

The Pitfalls of Stored Value Cards	How Much Credit is too Much
Fixing Mistakes in Your Credit Report	Selecting a Credit Card
How Many Credit Cards Do You Need	How Much Credit is too Much

Credit and Debt Counseling

Organization	Phone
AAA Fair Credit Foundation	1-800-351-4195
USU Family Life Center	1-435-797-7224
National Foundation for Credit Counseling
USU Cooperative Extension	1-435-797-1000

Credit Reporting

Organization	Phone
Fair And Accurate Credit Transaction Act
Equfax
Free Annual Credit Report	1-877-322-8228

Elderly/Seniors

Organization
CSREES
Utah Commission on Aging
AARP

Entrepreneur/Small Business

Organization	Phone
Small Business Administration
Utah Individual Development Account Network	877-787-0727
AICPA

Financial Binder

Financial Articles:
Setting Financial Goals
What documents to keep?
Financial Information Binder Cover
Financial Binder Key
Income Expense Sheet
Net Worth Statement
Savings Spending Plan
Head of Household's Family Information
Personal Directory Information
Spouse's Family Information
Widowhood Analysis
Tax Heading and Year
Home Owner's Information
Profesional Directory
Savings Spending Plan
Income Expense Worksheet

Finanical Education Classes and Workshops

Organization	Phone
Intermountain Financial Education Seminars	801-453-2271
ConsumerCents   Financial Peace University
AAA Fair Credit Foundation	1-800-351-4195
Utah Individual Development Account Network	877-787-0727
Zions Bank	801-594-8222
USU Family Life Center

Financial Calculators and Other Tools

Organization	Phone
Consumer Federation of America
ConsumerCents   Choose to Save
Mvelopes Personal Budgeting Center
AAA Fair Credit Foundation	1-800-351-4195
Key Bank

USU Power Pay
Zions Bank

Financial Planning/Counseling

Organization	Phone
State Farm Insurance
AAA Fair Credit Foundation	1-800-351-4195
Financial Planning Association of Utah	801-290-4895
America First Credit Union	801-778-8946
Strategic Wealth Management	801-453-2271
National Association of Financial Planners	1-800-647-6340
Key Bank

Financial Articles:
Setting Goals	Financial Goals Make Wishes Come True

Finanical Planning Online Training Courses

Organization	Phone
USU Family Life Center	435-797-7224
AAA Fair Credit Foundation	1-800-351-4195
Hands on Banking
FDIC
Practical Money Skills
Stock Market Simulation	1-678-475-2539
Money For Life Financial Fitness Course	1-866-367-4626

Get CheckingTM

Organization	Phone
Get Checking	1-800-351-4195

Government Assistance Programs

Organization	Phone
Food Stamps
Low Income Energy Assistance Program	801-538-8644
US Department of Labor
Women, Infants, Children (WIC)

Homeownership/Home Buyer Education

Organization	Phone
Fannie Mae Foundation	1-800-688-4669 (English) 1-800-782-2729 (Spanish)
Home Ownership Learning Center
Utah Individual Development Account Network	1-877-787-0727
AAA Fair Credit Foundation	1-800-351-4195
USU Extension	435-797-7224
AICPA Financial Article:  Living the American Dream - Buying a Home

HUD Approved Housing Counseling Agencies

Organization	Phone
Cedar City Housing Authority	435-586-8462
Utah State University--Family Life Center (Logan)	435-797-5426
Your Community Connection (Ogden)	801-394-9456
Community Action Services (Provo)	801-373-8200
Community Development Corporation of Utah (Salt Lake)	801-994-7222
Salt Lake Community Action (Salt Lake)	801-359-1798
Salt Lake Neighborhood Housing Services (Salt Lake)	801-539-1590
Color Country Community Housing (St. George)	877-673-3166

Identity Theft Assistance

Organization
National Resource for Identity Theft  Identity Theft Reporting Information System  AAA Fair Credit Foundation	1-800-351-4195
Privacy Rights Clearinghouse
RealU Identity Theft Guide
Equifax

   Identity Theft Quiz 

Individual Development Accounts (IDAs)

Organization	Phone
AAA Fair Credit Foundation	877-787-0727

Insurance

Organization	Phone
State Farm Insurance
Zions Bank
Utah Insurance Department
Key Bank
Strategic Wealth Management Financial Articles: When Your Income Drops - Meeting Insurance Needs Financing Long-Term Care - Insurance and Its Alternatives How to Protect Yourself from Insurance Fraud	801-453-2271   Shopping for Long-Term Care Insurance Types of Insurance

Investing

Organization	Phone
Financial Planning Association--Utah Chapter	801-290-4895
Strategic Wealth Management	801-453-2271
The Motley Fool
Kiplinger
National Association of Investors Corp
The Investors Clearinghouse

Jobs and Career Assistance

Organization
Utah Job Board
Department of Workforce Services
Dislocated Workers
AICPA

Legal Information

Organization	Phone
Legal Aid Society	801-328-8849
Legal Research Center
Lawyer Referral Service	801-531-9075
AARP

Life Events Financial Guides

Organization	Phone
Practical Money Skills
AICPA
AAA Fair Credit Foundation	1-800-351-4195
Key Bank  ConsumerCents

   Living the American Dream - Buying a Home 

   

Living With In Your Means

Financial Articles:
With the Increase in Cost of Utilities How Can I Conserve Energy Part 1
With the Increase in Cost of Utilities How Can I Conserve Energy Part 2
Additional Suggestions
Cleaning on a Budget
Conserve Energy-Save on Utilities
Holiday Budgeting Tips
Home Cooking
How Do I Adjust My Thermostat for Cold Weather Comfort
Inexpensive Gift ideas
Practice Living within Your Means
Slashing Your Grocery Bill
What is the Best Way to Reduce My Fuel Cost for Winter Driving
When Your Income Drops - Setting New Priorities for Spending
When Your Income Drops - Take Stock of Community Resources
When Your Income Drops - Take Stock of Family Resources
Slashing Expenses

Marriage

Organization
AICPA
Mvelopes/Money for Life
Practical Money Skills for Life

Military Personnel

Organization
Military Saves
Military Money
Soldiers and Sailors Civil Relief Act

Personal Finance

Orgnanization	Phone
U.S. Department of Agriculture
ConsumerCents   Smart Money
AICPA
Mvelopes Personal Budgeting Center	1-866-367-4626

Retirement

Organization	Phone
Fiancial Planning Association--Utah Chapter
Strategic Wealth Management	801-453-2271
Key Bank

Estate Planning/Wills

Organization	Phone
Purdue University
Social Security Administration
Financial Planners Association--Utah Chapter	801-290-4895
Key Bank
AICPA
AARP
Retiring Well
Legal Research Center

Savings Strategies, Tips and Wealth Building

Organization	Phone
Mvelopes Personal Budget Center	1-866-350-9899
AAA Fair Credit Foundation	1-800-351-4195
ConsumerCents  Zions Bank Kids Green Savings
66 Ways to Save Money
My Money
U.S. Savings Bonds

Spanish Resources

Organization	Phone
FDIC Plan de Educacion para Capacitacion en Finanzes
El Futuro En Tus Manos
AAA Fair Credit Foundation	1-800-351-4195

Social Security

 

Organization

Social Security Administration

Student Loans/Repayment Assistance

Organization
US Department of Education
American Student Assistance

Taxes--Free Tax Assistance and Earned Income Credit

Organization	Phone
Free Tax Preparation Appointments	2-1-1
Earned Income Tax Credit Questions	2-1-1
Internal Revenue Service
U.S. Treasury
Utah Association of Certified Public  Accountants
Financial Planning Association--Utah Chapter	801-290-4895

Unclaimed Property

Organization
National Association of Uncliamed Property Adminstrators

Women and Money

Organization
Women's Institue for Financial Education
Women and Assets
Key Bank
Women's Wall Street

12-Step Recovery Programs

Organization	Phone
Debtor's Anonymous	801-359-4325
Gambler's Anonymous
Spender's Anonymous

Recommended Books, Publications, and Reports

Out of Hock & Out of Debt, Harry Dahlstrom –Enroll as a Utah Saver and receive your Free Copy ConsumerCents Personal Financial Education Guide, AAA Fair Credit Foundation; www.consumercents.com Money for Life, Steven B. Smith;  www.moneyforlifebook.com Money for Life Success Planner, Steven B. Smith;  www.moneyforlifebook.com Rich Dad, Poor Dad,  Kiyosaki, Robert T. & Sharon L. Lechter Black Wealth, White Wealth, Oliver, Melvin L. & Thomas M. Shapiro The Millionaire Next Door, Stanley, Thomas J. & William D. Danko Rich on Any Income, James P. Christensen The Pocket Idiot’s Guide to Living on a Budget, Peter J. Sandler The Budget Kit, Judy Lawrence The Wealthy Barber, David Chilton Tips From the Top - Targeted Advice from America's Top Money Minds, Edie Miligan The Two Income Trap, Elizabeth Warren The Total Money Makeover, Dave Ramsey Secrets of the Millionaire Mind, T. Harv Helker Woman Leaving the Workplace, Larry Burkett The Richest Man in Babylon, George S. Clason The Burkett & Blue Definitive Guide to Securing Wealth to Last: Money Essentials for the Second Half of Life, Larry Burkett. Ron Blue, Jeremy White Credit Card Nation, Robert Manning The Four Laws of Debt Free Prosperity, Blaine Harris and Charles Coonradt The 9 Steps to Financial Freedom, Suze Orman Fresh Start Women’s Foundation, A Woman’s Guide to Taking Charge (2d ed. 2000), $15. Call: 602-523-6730. Federal Reserve Bank of Boston, Pathways to Getting Ahead. Downloadable at www.bos.frb.org/consumer/pathways/index.htm   The Five Lessons A Millionaire Taught Me, Richard Paul Evans Watch Channel 5's news story on how to read medical bills. Watch Channel 2's Get Gephardt for the report with Al Bingham, Author of The Road to 850 (Proven Strategies to Increasing Your Credit Score.)