Self-Help Tools & Resources

Money Management

FDIC MoneySmart Online Course

Free online course that covers the basics of banking and money management.

Take Charge of Your Credit

Many are unaware of the negative long-term impact that poor credit can have on their financial security and quality of life. The Ad Council has teamed up with The Consumer Bankers Foundation and the Leadership Conference on Civil Rights Education Fund to develop a campaign about simple steps you can take to improving your credit. Click here to learn more.

Protect Your Identity

The National Foundation for Credit Counseling and the Better Business Bureau provide identity theft prevention tips, videos, an interactive quiz to assess your risk of identity theft, and resources for victims. Click here for more.

My Money Financial Calculators

The U.S. Financial Literacy & Education Commission provides easy to use calculators and helpful resources to help you manage your financial future including budgeting and taxes, college planning, retirement planning, savings plans and life insurance. Click here for more.

Create and Manage Your Budget Online

PowerPay is a free service that allows you to create and manage your budget online. It also provides debt reduction tips and tools to help you pay down your debt. For more information click here.

Foreclosure Prevention

Guide to Avoiding Foreclosure

If you are having trouble paying your mortgage, take action now and educate yourself on how the foreclosure process works and the options available to you to help you prevent foreclosure. The U.S. Department of Housing and Urban Development (HUD) provides an online guide to foreclosure prevention resources. Click here to visit the HUD website for more.

Beware of Foreclosure Rescue Scams

Beware of any person or organization that asks you to pay a fee in exchange for foreclosure prevention counseling services or modification of a delinquent loan. Help is Free! Do not pay – walk away! Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. Never submit your mortgage payments to anyone other than your mortgage company without their approval. For more information, click here to visit the Fannie Mae website. To get free help now, Click here.

Making Home Affordable

This is a federal program designed to help qualified homeowners lower their mortgage payments. Click here to learn more. An NHS foreclosure prevention counselor can provide you with free assistance in obtaining a Making Home Affordable modification, if you qualify. To get free help now, Click here.

Legal Resources

LawHelp/NY ( is an on-line tool for helping low-income New Yorkers solve their legal problems. The LawHelp/NY mission is as follows:

“LawHelp/NY provides, and promotes access to, high-quality online information about free legal services throughout New York, about legal rights in a broad range of substantive areas, about the court system, and about related advocacy, government and social service organizations. We are committed to providing information that is user-friendly, in English, Spanish, and other languages, in order to help low-income and other vulnerable New Yorkers achieve equal access to justice.” is the only comprehensive source of legal referral information in the state and includes:

  • More than 600 free legal service projects & organizations with their contact & intake information.
  • Over 3,000 Know Your Rights and self-help resources covering 15 areas of law.
  • Extensive links to social service, advocacy and government organizations, information about the Court system.
  • Spanish mirror website and legal rights resources in more than 30 languages.