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Free Online Financial Management Classes in March

Southeastern Vermont Community Action (SEVCA) is providing a series of 4 Financial Fitness workshops to provide training, support and resources to help participants gain control and manage their money.  Workshop topics include: creating a personal, workable budget; reducing debt; setting personal goals; modify spending; basics of banking; plus credit and repair. 

Workshops are free to Vermont residents. SEVCA will provide a gift card cash incentive to those Vermont residents affected by Covid who attend all three workshops on Budgeting and Credit. Courses will be offered on Zoom, an online platform. Additional counseling is available to attendees.

For more information email: This email address is being protected from spambots. You need JavaScript enabled to view it..

 

Zoom Workshop dates and time for March 2021:

Workshop 1:         Mar 2: 10am-11am                   or      Mar 3:   6pm-7pm

Workshop 2:         Mar 9: 10am-11am                   or      Mar 10: 6pm-7pm

Workshop 3:         Mar16: 10am-11am          or      Mar 17: 6pm-7pm

Workshop 4:         Mar 23: 10am-11am          or      Mar 24: 6pm-7pm

Workshop 1: Take Control of Your Money – Create a Budget

Date:   Mar 2: 10am – 11am             OR              Mar 3: 6pm - 7pm

Understanding and tracking the details of your financial situation is the start to making better money decisions and building a more secure future. When life situations change, and it often does (job loss, illness, birth of a child, new job, divorce, etc.) it’s time to review how to manage your money. This workshop will help you take control of your money by taking the first step by...creating a budget. We’ll learn what a budget is, why use it, and create and review a budget step by step.     

Workshop 2: Set Your Goals – Manage Your Expenses

Date:  Mar 9: 10am - 11am                OR                         Mar 10: 6pm - 7pm

After creating a budget, the next step is to identify goals. Examples are: paying off debts, saving for a car, or building an emergency fund. Creating a plan and taking control of income and expenses helps achieve goals. We’ll focus on successful strategies to achieve goals by using ways to lower expenses and to increase income, and what to do with bills you can’t pay.

Workshop 3: Credit – Tame the Credit Beast

Date:    Mar 16: 10am - 11am                        OR                         Mar 17: 6pm - 7pm

Let’s face it, using credit to make purchases make life more convenient. But when credit (loans and credit cards) are overused, they become a trap and one of the biggest barriers in reaching financial goals. This workshop reviews credit: The do’s and don’ts of credit, how to avoid credit traps and ways to get out of credit card debt. We’ll also learn about “Your FICO Credit Score”, how it affects your lifetime of interest rates, how interest impacts monthly payments, and how to improve a credit score.  

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Workshop 4: Banks and Credit Unions – Protect and Grow Your Money

Date:  Mar 23: 10am - 11am               OR              Mar 24: 6pm - 7pm

Where money is kept, whether it’s in a bank, credit union or under the mattress, does affect finances. This workshop explains the differences between banks and credit unions plus describes the accounts, benefits, and services (and fees) they offer. We’ll look at checking accounts, debit cards, savings accounts, loans and interest rates, plus strategies to grow and protect money. We’ll look at “Instant Cash” payday loans and how to protect your information and money using digital apps.

Start a Matched Savings Program

Become Better Acquainted With Your Money!

Tired of financial stress?

Learn how to Manage your Money to help you reach your goals!

 

Online Modules available to all Free of Charge

Learn how to:

  • Set Financial Goals
  • Gain Control of Spending
  • Create Savings
  • Improve your Credit
  • Use Credit Responsibly

 

Completion of the modules is a step closer to qualifying for the Vermont Matched Savings Program

 

To learn more:

Please contact Sue Dillon at 802-722-4575, ext. 1602

or by email at This email address is being protected from spambots. You need JavaScript enabled to view it.

No Cost Tax Prep for 2020

Get Ready for Tax Season

Expected start date for SEVCA clients is January 25, 2021

  • The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $57,000 or less
  • and Persons with disabilities;
  • and Limited  English-speaking taxpayers

Upper Valley - call 802-722-4575 for more details or a qualified tax client can visit The Windsor Resource Center, 1 Railroad Ave, Windsor, VT 05089.

Site will contain a locked drop-box provided by SEVCA.  Client to schedule an appointment with a sign in sheet, accurately filled out intake documents and provide all tax back-up including a copy of drivers licenses and ss cards for all listed on the tax return. The tax client can securely put into a provided tax envelope identifying the tax clients name written on it and drop into the drop box.

Southeastern Vermont - call 1-800-464-9951 or 802-72-4575 – Location - SEVCA in Westminster

Site will contain a locked drop-box provided by SEVCA.  Client to schedule an appointment with a sign in sheet, accurately filled out intake documents and provide all tax back-up including a copy of drivers licenses and ss cards for all listed on the tax return. The tax client can securely put into a provided tax envelope identifying the tax clients name written on it and drop into the drop box.

Please give your name, address, phone #, email address and specifics relative to your tax preparation as well as a copy of the previous year’s tax return if it was not done by SEVCA.  We will prepare a Homestead filing only; Renter’s Rebates only; Federal Return and State(s) Returns to be done other than NH (no state return needed in NH for persona unless interest and dividend income).

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In order for us to prepare your tax return, you MUST bring the following:

  • If mailed to you, the intake questionnaire must be filled out prior to your drop-box appointment.
  • Proof of identification (photo ID) for filing (if joint filing photo id for each)
  • Social Security cards for you, your spouse and each of your dependents 
  • An Individual Taxpayer Identification Number (ITIN) assignment letter may be substituted for you, your spouse and your
  • Dependent(s) if you do not have a Social Security number
  • Proof of foreign status, if applying for an ITIN
  • Birth dates for you, your spouse and dependents on the tax return
  • Reconciliation of Stimulus Premium Tax Payment form from COVID-19 Care’s Act payment
  • Grant income is taxable and if received grant income due to the Care’s Act, must provide documentation.
  • Wage and earning statements (Form W-2, W-2G, 1099-R,1099-Misc) from all employers or SSA 1099s for retirement or disability statements
  • Interest and dividend statements from banks (Forms 1099)
  • Copies of last year’s tax return both IRS and state, if applicable & available
    • If VT resident, Vermont Homestead Declaration – copy of tax bill
    • If VT resident, Renter’s Rebate – Landlord Certificate(s)
  • Proof of bank account routing and account numbers for direct deposit such as a blank check and/or Savings account information if want to join the SAVE YOUR REFUND Contest. (to qualify – must have $50 or more deposited into a separate savings account)
  • To file taxes electronically on a married-filing-joint tax return, both spouses must be present to sign the required forms
  • Total paid for daycare provider and the daycare provider's tax identifying number such as their Social Security number or Business Employer Identification Number
  • Health Insurance Information – Vermont or any other State Health Connect Marketplace premium paid insurances must include Forms 1095-A.   All others 1095B and C or proof of health insurance

SEVCA Offers a Free Workshop Series in December- Money Management

Southeastern Vermont Community Action (SEVCA) is providing a series of 4 Financial Fitness workshops to provide training, support and resources to help participants gain control and manage their money. Workshop topics include: creating a personal, workable budget; reducing debt; setting personal goals; modify spending; basics of banking; plus credit and repair.

Workshops are free to Vermont residents. SEVCA will provide a gift card cash incentive to those Vermont residents affected by Covid who attend all three workshops on Budgeting and Credit. Additional counseling is available to attendees. Courses will be offered on Zoom, an online platform. For more information email: This email address is being protected from spambots. You need JavaScript enabled to view it..
 
Zoom Workshop dates and time:
Workshop 1: Dec 1st: 10am-11am or Dec 2nd: 6pm-7pm
Workshop 2: Dec 8th: 10am-11am or Dec 9th: 6pm-7pm
Workshop 3: Dec 15th: 10am-11am or Dec 16th: 6pm-7pm
Workshop 4: Dec 22nd:10am-11am or Dec 23rd: 6pm-7pm
 
Workshop 1: Take Control of Your Money – Start by Creating a Budget
Date: Dec 1st: 10am – 11am OR Dec 2nd: 6pm - 7pm
Understanding and tracking the details of your financial situation is the start to making better money decisions and building a more secure future. When life situations change, and it often does (job loss, moving, illness, birth of a child, new job, divorce, etc.) it’s again time to review how to manage your money. This workshop will help you take control of your money by taking the first step by...creating a budget. We’ll learn what a budget is, why use it, and create a budget step-by-step.
 
Workshop 2: Review Your Budget - Set Your Goals
Date: Dec 8th:10am - 11am OR Dec 9th: 6pm - 7pm
Participants will be referring to the budget created from workshop 1. With the awareness of the ins and outs of where money is going, the next step is to identify goals. Examples are: paying off debts, saving for a car, or managing holiday expenses. Creating a plan and taking control of income and expenses helps achieve goals. We’ll focus on successful strategies to achieve goals by using ways to lower expenses and to increase income, and what to do with bills you can’t pay.
 
Workshop 3: Credit Cards – Tame the Credit Card Beast
Date: Dec 15th:10am - 11am OR Dec 16th: 6pm - 7pm
Let’s face it, credit cards make life more convenient. But when credit cards are overused, they become a trap and one of the biggest barriers in reaching financial goals. The average Vermont household carries a balance of $5,400 in credit card debt. This workshop reviews credit: The do’s and don’ts of credit, how to avoid credit traps and ways to get out of credit card debt. We’ll also learn about the infamous “Your Credit Score”, why is it important, what affects it, and how to improve it.
 
Workshop 4: Banks and Credit Unions – Banking Basics
Date: Dec 22nd: 10am - 11am OR Dec 23rd: 6pm - 7pm
Where money is kept, whether it’s in a bank, credit union or under the mattress, does affect finances. This workshop explains the differences between banks and credit unions plus describes the accounts, benefits, and services (and fees) that they offer. We’ll look at checking accounts, debit cards, savings accounts, loans and interest rates. We’ll also look at “Instant Cash” payday loans.

Need Help? RESOURCES are available.

For info about Vermont food and other resources, Click HERE.

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SEVCA is here to support you and your family during these hard to fathom times. 

Check out our RESOURCE GUIDE and learn more about the food, rental, business, and other financial programs available to help you, your family, your household, and your community.

Give SEVCA a call to make an appointment with a Recovery Navigator or other staff member. 

Our Main Office number is 800-464-9951. 

You can find direct numbers to our satellite offices HERE

SEVCA is offering a number of new programs.

Check out our Family Services Expanded offerings. New programs include Medical Assistor, Recovery Navigator, and the statewide Rapid ReHousing Initiative. Click HERE

For more information about our Free Workshop Series on Money Management, click HERE.

To learn more about the statewide EMBRACE grant for micro businesses, click HERE.

To learn more about Vermont Everyone Eats, check it out HERE, or read our recent press release HERE.

"If I could give you one thought, it would be to lift someone up. Lift a stranger up--lift her up. I would ask you, mother and father, brother and sister, lovers, mother and daughter, father and son, lift someone. The very idea of lifting someone up will lift you, as well."

Maya Angelou