Financial Literacy

NTLTD's financial literacy program is designed to empower individuals from re-entry, LGBTQIA+, and disadvantaged student populations by providing the tools and knowledge necessary for financial stability and independence. Our program addresses the unique challenges faced by these groups, offering tailored support and resources.

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Core Program Components

• Financial Foundations:

  • Basic budgeting and financial planning

  • Understanding credit scores and building credit

  • Creating and managing savings plans

  • Avoiding financial scams and identity theft

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• Banking and Financial Services:

  • Choosing the right banking products and services

  • Understanding banking fees and charges

  • Protecting personal financial information

  • Accessing banking services with a limited financial history

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• Employment and Income:

  • Developing budgeting strategies for different income levels

  • Creating a spending plan for essential expenses

  • Saving for emergencies and long-term goals

  • Understanding employment benefits and deductions

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• Housing and Utilities:

  • Budgeting for housing costs (rent, mortgage, utilities)

  • Finding affordable housing options

  • Understanding rental agreements and tenant rights

  • Accessing housing assistance programs

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• Asset Building and Wealth Creation:

  • Exploring saving and investment options

  • Creating a plan for financial goals (homeownership, retirement)

  • Accessing government benefits and resources

  • Overcoming barriers to asset building

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Program Delivery

• Virtual and Culturally Responsive Workshops: Tailored workshops addressing the specific financial needs and challenges of re-entry, LGBTQIA+, and disadvantaged student populations.

• One-on-One Counseling: Personalized financial counseling sessions to provide individualized support and guidance.

• Peer Mentorship: Pairing participants with mentors who have successfully navigated similar financial challenges.

• Partnerships: Collaborating with financial institutions, government agencies, and community organizations to expand program reach and resources.

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Addressing Unique Needs

• Re-entry Population: Focus on rebuilding credit, managing debt, and accessing financial resources after incarceration.

• LGBTQIA+ Population: Address specific financial challenges faced by the LGBTQIA+ community, such as discrimination in lending and financial services.

• Disadvantaged Students: Provide financial education on topics like student loans, scholarships, and building credit history.

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By addressing the unique financial challenges faced by these populations, NTLTD's financial literacy program empowers individuals to achieve financial stability, build assets, and create brighter futures.

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