Financial Fitness, Changing Lanes and Basic Needs/Emergency are programs of Just in Time for Foster Youth. Financial Fitness develops financial literacy with individualized advisers, smart purchasing training, and match savings incentives. Changing Lanes helps youth obtain drivers’ permits and licenses. Basic Needs/Emergency provides critical financial support in emergency situations.
Annual Credit Report
Federal law requires each of the three nationwide consumer credit reporting companies – Equifax, Experian and Transunion to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer.
Description of Services:
Federal law requires each of the three nationwide consumer credit reporting companies – Equifax, Experian and Transunion to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer. Visit today to learn more.
Additional Information:
AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law.
For Detailed Information:
http://www.annualcreditreport.com/
P.O.Box 105283
Atlanta, 30348-5283
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Banking on Our Future
Banking on Our Future (BOOF) elevates the dignity, hope, and economic self-sufficiency of people in low-wealth and underserved communities through financial literacy.
Description of Services:
Banking on Our Future (BOOF) elevates the dignity, hope, and economic self-sufficiency of people in low-wealth and underserved communities through financial literacy.
Additional Information:
Banking on Our Future classes are free of charge for schools and communities. Our BOOF students are given the tools they need to take control of their financial futures Fax: 213-489-7511
For Detailed Information:
https://www.operationhope.org/banking-on-our-future
(213) 891-2900 ext.257
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Basic Needs/Emergencies
Are you experiencing an emergency? Do you need immediate financial support? Emergency/Basic Needs provides critical financial support in emergency situations, including rent, bus passes, gas cards, grocery gift cards, clothing, and vehicle repair.
Description of Services:
Are you experiencing an emergency? Do you need immediate financial support? Emergency/Basic Needs provides critical financial support in emergency situations, including rent, bus passes, gas cards, grocery gift cards, clothing, and vehicle repair. Provides youth in transition with immediate financial assistance for items such as rent, bus passes, gas cards, interview clothing, vehicle repair, food cards, and other urgent needs. Program staff personally meet applicants, identify and assess needs, and assist with purchasing the essentials to resolve the immediate financial emergency. Staff and volunteers also provide one-on-one advice to participants by sitting down and outlining a budget and financial plan. Youth are given an overview of all JIT programs and may apply for other services.
Requirements:
Youth must be going to school and/or working and between the ages of 18 and 26.
For Detailed Information:
https://jitfosteryouth.org/emergency-needs/
4560 Alvarado Canyon Rd Ste 2G
San Diego CA 92120
(619) 770-1850
Business Hours
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Monday:8am - 6pm
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Tuesday:8am - 6pm
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Wednesday:8am - 6pm
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Thursday:8am - 6pm
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Friday:8am - 6pm
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California’s Low Cost Auto Insurance (CLCA)
California’s Low Cost Auto Insurance (CLCA) program helps good drivers that are income eligible afford auto insurance that meets the state’s financial responsibility laws. Each policy provides liability coverage for the vehicle’s primary driver and eligible secondary drivers. Each individual car owner may buy separate policies to insure up to two vehicles, per person under this program. All vehicles in your household must be covered under the CLCA program.
Description of Services:
California’s Low Cost Auto Insurance (CLCA) program helps good drivers that are income eligible afford auto insurance that meets the state’s financial responsibility laws. Each policy provides liability coverage for the vehicle’s primary driver and eligible secondary drivers. Each individual car owner may buy separate policies to insure up to two vehicles, per person under this program. All vehicles in your household must be covered under the CLCA program.
Additional Information:
If you qualify, here are the items you’ll need to enroll. A valid driver license Current vehicle registration The initial deposit for payment Proof of income—you just need to provide ONE of the following documents: A copy of your federal or state income tax return for the last year A 1099 form A W-2 form A payroll stub A MediCal card An employer verification letter A Social Security or pension letter A utility company Lifeline verification Electronic Benefit Transfer (EBT) card Notifications from California Work Opportunity and Responsibility to Kids (CalWORKs) State of California Employment Development Department (EDD Debit Card or benefit letters) Bank Statements as proof of deposits of Social Security payments. CalFresh (food stamps) CalWorks (welfare) Medi-Cal (Medicaid) SSI (aged, blind, disabled) LIHEAP (low income home energy assistance)
For Detailed Information:
http://www.mylowcostauto.com/
300 S. Spring Street, South Tower
Los Angeles, 90013
(877) 401-9550
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CashCourse
CashCourse is a free, online financial education resource designed specifically for college and university students. Created with input from real students and universities, CashCourse equips students with information that helps them make informed financial decisions, from orientation to graduation and beyond.
Description of Services:
CashCourse is a free, online financial education resource designed specifically for college and university students. Created with input from real students and universities, CashCourse equips students with information that helps them make informed financial decisions, from orientation to graduation and beyond.
CashCourse was created in 2007 by the independently funded National Endowment for Financial Education (NEFE), the nation’s leading 501(c)(3) organization dedicated to inspiring empowered financial decision making for individuals and families through every stage of life. Learn more about NEFE at www.nefe.org.
CashCourse is used by more than 70,000 students in more than 900 schools—including small private colleges, large public universities and both two-year and four-year programs—in all 50 states.
Additional Information:
CashCourse provides unbiased, ad-free financial information that is independent of commercial interests. The program takes a whole-life approach to personal finance, with resources on: Financial basics like banking, budgeting, credit, debt, savings and insurance; Funding higher education, repaying student loans, study abroad and graduate and professional degrees; Shopping, spending, housing and transportation costs; Entering the working world, understanding benefits, negotiating a salary and career planning; Life transitions, dealing with roommates, buying a home and starting a family; and Financial crises, income gaps, scams and emergency preparedness. CashCourse also offers a number of interactive tools for students, including: Quizzes, worksheets, calculators and a Budget Wizard; Helpful content such as articles, videos and a dictionary of financial terms; and Information that is easy to understand and continually updated.
For Detailed Information:
http://www.cashcourse.org/
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Changing Lanes
Lack of reliable transportation is a major obstacle that limits employment opportunities, and is detrimental to establishing a healthy work-life balance. Changing Lanes helps youth obtain drivers’ permits and licenses, and prepares them for driving with confidence.
Description of Services:
Lack of reliable transportation is a major obstacle that limits employment opportunities, and is detrimental to establishing a healthy work-life balance. Changing Lanes helps youth obtain drivers’ permits and licenses, and prepares them for driving with confidence.
Requirements:
Youth must be going to school and/or working. Be between the ages of 18 and 26. Have stable housing. Have a valid Identification Card ( Just in Time can provide a voucher to purchase an Identification Card for a reduced cost of $8)
For Detailed Information:
https://jitfosteryouth.org/changing-lanes/
4560 Alvarado Canyon Rd Ste 2G
San Diego CA 92120
(619) 770-1850
james@jitfosteryouth.org
Business Hours
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Monday:8am - 6pm
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Tuesday:8am - 6pm
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Wednesday:8am - 6pm
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Thursday:8am - 6pm
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Friday:8am - 6pm
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Financial Coach 4 U
FC4U specialize in all types of money management assistance by providing detailed financial game plans regardless of income level.
Description of Services:
FC4U specialize in all types of money management assistance by providing detailed financial game plans regardless of income level.
Assisting clients in saving thousands of dollars by instituting goal oriented and strategic planning techniques are exceptionally gratifying. Coaches at FC4U want people to understand that the key is not focusing on how much they make, but how much they keep. Anyone can rid themselves of excessive debt no matter what their situation may be. Financial planning is not only for the wealthy it’s for EVERYONE.
For Detailed Information:
www.financialcoach4u.net
Or call Rae- Financial Coach at 619-357-6558
(619) 357 6558
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Financial Fitness
Financial Fitness develops financial literacy with individualized advisers, smart purchasing training, and match savings incentives.
Description of Services:
Financial Fitness develops financial literacy with individualized advisers, smart purchasing training, and match savings incentives. If you have trouble sticking to a budget, creating a savings plan, and keeping savings for long term planning or emergencies, this is the program for you! Financial Fitness offers participants opportunities to learn basic and advanced money management and an ability to match up to $4,500! With real-world financial gurus, online tools, and comprehensive classes offered 12 times per year, you’ll be equipped with the knowledge and discipline to make smart money purchases.
Requirements:
Youth must be going to school and/or working and between the ages of 18 and 26. Must have an income and the ability to save.
For Detailed Information:
http://jitfosteryouth.org/programs/financial-fitness/
4560 Alvarado Canyon Rd Ste 2G
San Diego CA 92120
(619) 770-1850
steven@jitfosteryouth.org
Business Hours
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Monday:8am - 6pm
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Financial Literacy Services (Jewish Family Service)
Financial literacy is the ability to understand how money works in the world: how people earn it, how they manage it, how they invest it, and how they can donate it to help others. More specifically, financial literacy refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.
Description of Services:
Financial literacy is the ability to understand how money works in the world: how people earn it, how they manage it, how they invest it, and how they can donate it to help others. More specifically, financial literacy refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.
A variety of JFS programs offer financial workshops from basic financial literacy to considering bankruptcy. We work to empower our clients to remain or return to self-sufficiency.
Additional Information:
Programs with specialized areas to meet financial literacy needs include: Hebrew Free Loans, JFS Employment & Career Services, and Ways to Work.
For Detailed Information:
http://www.jfssd.org/site/PageServer?pagename=programs_crisis_financial_literacy
8804 Balboa Ave
San Diego, 92123
(858) 637-3210
Business Hours
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Monday:8:30am – 5pm
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Wednesday:8:30am – 5pm
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Friday:8:30am – 4pm
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FormSwift Start-Up Scholarship
Create a Business Plan Infographic about one of the following industries for a chance to win the FormSwift Scholarship Program: A Startup, A Restaurant, A Non-Profit, A Transportation Company, A Clothing Company
Description of Services:
Create a Business Plan Infographic about one of the following industries for a chance to win the FormSwift Scholarship Program:
A Startup
A Restaurant
A Non-Profit
A Transportation Company
A Clothing Company
The Winner of the FormSwift Scholarship Program will receive $1,000.
To be eligible:
1. You must be a graduating senior in high school or enrolled in college. Community college, professional college, and graduate students are all eligible, in addition to undergraduates at four-year universities.
2. You may not be related to any of FormSwift’s staff or our extended family.
3. International students, including students from a college or graduating from a high school outside the United States, are also eligible to apply.
4. We reserve the right to verify date of high school graduation and/or college enrollment.
Here is how you enter:
1. As mentioned above, either write a one to two page business plan or make a business plan infographic about one of the suggested topics.
2. Send your entry to jamie@formswift.com by May 30, 2016 with the poem subject line “FormSwift Scholarship Entry”
3. Make sure to include your full name, state, and school within your submission.
Additional Information:
We will notify and announce the winner on June 15, 2016. After the winner is announced, the Scholarship Program will re-open June 16, 2016. Future Scholarship Deadlines: Summer 2016 – August 15, 2016; Fall 2016 – October 15, 2016; Winter 2016 – December 15, 2016.
For Detailed Information:
http://formswift.com/startup-scholarship
2 Townsend Street
San Francisco, 94107
(888) 311-2977
jamie@formswift.com
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Fostering Change
Financial Literacy/Establishing Credit and more
Description of Services:
Financial Literacy/Establishing Credit and more
Additional Information:
Credit Union/Financial Assistance
For Detailed Information:
http://www.fosteringchange.org/resources/18-money-management
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Fostering Quality Education
Fostering Quality Education empowers California’s foster youth to make fully informed decisions about their college options.
Description of Services:
Fostering Quality Education empowers California’s foster youth to make fully informed decisions about their college options. This resources includes finding out information on your school of choice, how to use financial aide wisely, what to look for when applying and visiting colleges and know your rights.
For Detailed Information:
http://www.fosteringqualityeducation.org/
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Home-Start
We recognize that all children hope for a bright future. That’s why Home Start works tirelessly to help families identify and use their strengths to build a better future for themselves. We are committed to a community-based collaborative effort to reach children and families at risk and prevent child abuse and neglect. It takes a dedicated staff, working every day to make changes. This philosophy applies beyond those we help, to the entire San Diego region.
Description of Services:
We recognize that all children hope for a bright future. That’s why Home Start works tirelessly to help families identify and use their strengths to build a better future for themselves. We are committed to a community-based collaborative effort to reach children and families at risk and prevent child abuse and neglect. It takes a dedicated staff, working every day to make changes. This philosophy applies beyond those we help, to the entire San Diego region.
Additional Information:
Community Services for Families, Family Self Sufficiency, Financial Opportunity Center, First 5 Steps, Home Start Thrift Boutique, Maternity Shelter Program, Mental Health Service Main Office 5005 Taxas Street, Suite 203, San Diego, CA 92108 P (619) 692-0727 F (619) 692-0785 Mid City Office 4305 University Ave, Suite 410, San Diego, CA 92105 P (619) 229-3660 F (619) 265-2408 East County 131 Avocado Ave, El Cajon, CA 92020 P (619) 401-8375 F (619) 447-5761 North County Inland 235 W 5th Street, Escondido, CA 92025 P (760) 775-7895 F (760) 755-7820 North County Coastal 1320 Union Plaza Court, Oceanside, CA 92054 P (760) 439-7513 F (760) 439-5625 Financial Opportunity Center 404 Euclid Ave, Ste 261, San Diego, CA 92114 P (619) 546-8371 F (619) 546-8387
For Detailed Information:
http://www.home-start.org/
5005 Taxas Street, Suite 203
San Diego, 92108
(619) 692-0727
Business Hours
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Monday:8:30am – 5pm
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Tuesday:8:30am – 5pm
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Wednesday:8:30am – 5pm
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Thursday:8:30am – 5pm
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Friday:8:30am – 5pm
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Saturday:Closed
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Independent Living Skills ( I.L.S. )
Independent Living Skills is a program designed to assist 16 to 18 year olds who are in out-of-home placement and are likely to remain there until they can live on their own.
Description of Services:
Independent Living Skills is a program designed to assist 16 to 18 year olds who are in out-of-home placement and are likely to remain there until they can live on their own.
Aftercare services are available to emancipated foster youth up to age 21. Through close interaction with an independent Living Skills social worker and case manager, foster youth are encouraged to develop skills necessary to be successful in living independently. Among those skills are:
– Making good decisions
– Home management skill development
– Financial planning and money management
– Accessing health and community resources
– Job readiness and search
– Assistance is provided in employment search and is specifically focused on career track jobs. Youth who plan to attend college are assisted with obtaining financial aid. Foster youth are also assisted in finding affordable, safe housing.
For Detailed Information:
http://www.sandiegocounty.gov/hhsa/programs/cs/child_welfare_services/independent_living_skills.html
(866) 457-4636
ils.hhsa@sdcounty.ca.gov
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JFS Hand UP Loan (Jewish Family Service)
Need financial help with education, small business loans, business development, job training, car purchase or car repairs, refugee/immigration resettlement, or emergency financial assistance? If you are a resident of San Diego or the Coachella Valley, you may qualify for an interest-free loan with us.
Description of Services:
Need financial help with education, small business loans, business development, job training, car purchase or car repairs, refugee/immigration resettlement, or emergency financial assistance? If you are a resident of San Diego or the Coachella Valley, you may qualify for an interest-free loan with us.
Instead of charity, we believe that interest-free loans encourage dignity and self-sufficiency. Our work affirms the ancient biblical requirement for interest-free lending by offering assistance to people in need, with the goal of helping them to lead more rewarding lives. Loans are available to members of the San Diego community and the Coachella Valley for business and personal needs related to improving self-sufficiency, providing a hand-up, not a hand-out.
Additional Information:
The purpose of any loan must relate to increased self-sufficiency. Types of loans and maximum amounts are: Education – maximum amount: $7,500; Car repairs – maximum amount of $3,000; Car purchase – maximum amount of $7,500; Emergencies such as housing, medical or dental – maximum amount of $3,000; Resettlement – maximum amount of $3,000; Women and children in crisis such as domestic violence – maximum amount of $3,000; Small business loans – maximum amount of $7,500. Other loans may be considered on a case-by-case basis such as temporary medical or home care assistance, children with special needs such as diagnostic expenses or medical equipment as long as we are the payer of last resort.
For Detailed Information:
http://www.jfssd.org/site/PageServer?pagename=programs_connect_loans
8804 Balboa Ave
San Diego, 92123
(858) 637-3010
accessjfs@jfssd.org
Business Hours
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Monday:8:30am – 5pm
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Wednesday:8:30am – 5pm
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Thursday:8:30am – 5pm
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Friday:8:30am – 4pm
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Saturday:Closed
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Kelley Blue Book
Description of Services: Automobile information Additional Information: Car values, cars for sale, car reviews For Detailed Information: http://www.kbb.com/
Description of Services:
Automobile information
Additional Information:
Car values, cars for sale, car reviews
For Detailed Information:
http://www.kbb.com/
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My Benefits Cal WIN
This website is a fast and easy way for California residents to learn about and apply for medical, food, and cash assistance programs. MyBenefits CalWIN also provides ongoing access to secure and private benefit information. Select a topic below to get started or sign in to your account.
Description of Services:
This website is a fast and easy way for California residents to learn about and apply for medical, food, and cash assistance programs. MyBenefits CalWIN also provides ongoing access to secure and private benefit information. Select a topic below to get started or sign in to your account.
Additional Information:
If you have requested Immediate Need. We must meet with you in person within 24 hours. Please ensure that you provide a telephone number where we may contact you. If you do not have a telephone number where you may be reached, it will be necessary for you to apply at an office near you. Community Resource Center – Fallbrook, 130 E. Alvarado Street, Fallbrook, CA 92028 Family Resource Center – El Cajon, 220 S.1st Street, El Cajon, CA 92019 Family Resource Center – Metro,1130 10th Avenue, San Diego, CA 92101 Family Resource Center – North Coastal, 1315 Union Plaza Court, Oceanside, CA 92054 Family Resource Center – Northeast 5001 73rd Street, San Diego, CA 92115 Family Resource Center – South Region, 690 Oxford Street, Chula Vista, CA 91911 Community Resource Center – Ramona, 1521 Main Street, Ramona, CA 92065 Family Resource Center – Lemon Grove, 7065 Broadway, Lemon Grove, CA 91945 Family Resource Center – North Central, 5055 Ruffin Road, San Diego, CA 92123 Family Resource Center – North Inland, 620 East Valley Parkway, Escondido, CA 92025 Family Resource Center – Southeast, 4588 Market Street, San Diego, CA 92102 For general information or assistance with your RRR (Redetermination, Recertification, & Renewal)) and/or QR7 (Quarterly Report): ACCESS Customer Service Center Toll-Free: 1-(866) 262-9881 TDD (hearing impaired): (858) 514-6889 Fax: (858) 467-9088
For Detailed Information:
http://www.mybenefitscalwin.org/
5055 Ruffin Road
San Diego, 92123
(866) 262-9881
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San Diego Transit Services
The Compass Card is a “smart card” that can be loaded with your transit pass for Bus, Trolley, COASTER, and SPRINTER. Once your Compass Card is loaded with a pass, you simply Tap & Ride™! The same card can be reloaded month after month or even set up with automatic reload so your pass is always ready to go when you are!
Description of Services:
The Compass Card is a “smart card” that can be loaded with your transit pass for Bus, Trolley, COASTER, and SPRINTER. Once your Compass Card is loaded with a pass, you simply Tap & Ride™! The same card can be reloaded month after month or even set up with automatic reload so your pass is always ready to go when you are!
Additional Information:
The Compass Card benefits riders in a number of ways. It simplifies taking transit by creating a seamless, universal way to pay fares. Riders don’t need to worry about carrying cash, or searching for tokens. Just Tap & Ride™! Compass Cards will expedite passenger boarding. The Compass Card is plastic and similar in size to a credit card. It is easy to use and easy to reload. The Compass Card can be automatically reloaded with your debit or credit card so your pass does not expire. And, you can register your Compass Card, so if it is lost, stolen, or damaged, the remaining balance can be transferred to a new card.
For Detailed Information:
http://www.sdcommute.com/
401 B Street, Suite 800
San Diego, 92101
(619) 699-1900
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San Diego Youth and Community Service (SDYCS)
Helps foster care youth achieve self-sufficiency by offering independent living skills training. Provides case management services, including educational support, money management, career exploration, job development, and housing. Offers a drop-in center.
Description of Services:
Helps foster care youth achieve self-sufficiency by offering independent living skills training. Provides case management services, including educational support, money management, career exploration, job development, and housing. Offers a drop-in center.
Additional Information:
Any youth 16 through 20 years of age who is in a foster home, group home, or home of a relative and is receiving TANF-Foster Care funds.
For Detailed Information:
http://www.sdyouthservices.org/
7373 University Ave
La Mesa, 91941
(866) 457-4636
Business Hours
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Monday:9am - 5:30pm
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Tuesday:9am - 5:30pm
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Wednesday:9am - 5:30pm
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Thursday:9am - 5:30pm
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Friday:9am - 5:30pm
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Saturday:Closed
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Sunday:Closed
The Calculator Site
Whether you’re looking to work out a loan repayment schedule, work out the compound interest on your savings or plan for retirement, the financial calculators are there to assist you.
Description of Services:
Whether you’re looking to work out a loan repayment schedule, work out the compound interest on your savings or plan for retirement, the financial calculators are there to assist you. In addition, you can find a huge variety of different metric converters and a growing collection of math and health calculators.
For Detailed Information :
http://www.thecalculatorsite.com/
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Ways to Work (Jewish Family Service)
The Ways to Work program at Jewish Family Service provides low-interest car loans and education to credit-challenged, working families. Families with their own car enjoy a greater quality of life. They are no longer solely dependent on public transportation for commuting to work, dropping a child off at daycare, or running errands.
Description of Services:
The Ways to Work program at Jewish Family Service provides low-interest car loans and education to credit-challenged, working families. Families with their own car enjoy a greater quality of life. They are no longer solely dependent on public transportation for commuting to work, dropping a child off at daycare, or running errands. Families that must rely on public transportation can spend many hours each day commuting, from school to daycare to work, and back home. Our loan program, funded by United Way and Walmart, not only strives to improve family situations, but also to promote financial literacy and long-term stability.
Ways to Work provides:
– A two-hour financial education class for loan applicants, with information on household budgeting, mainstream banking, and credit reports.
-Assistance with goal setting to create realistic action plans that help you succeed in repaying the loan
-Up to $8,000 auto loan with 8% interest over three years from a private bank that may be able to help you to obtain future loans and credit
-Improved credit score once the loan is repaid
Additional Information:
Applicants must meet all of the following criteria: be continuously employed or in school for a minimum of four months; be an involved parent; have an income less than 80% of San Diego’s median income; have challenged credit; be a San Diego County resident.
For Detailed Information:
http://www.jfssd.org/site/PageServer?pagename=programs_crisis_ways_to_work
8804 Balboa Ave
San Diego, 92123
(858) 637-3206
waystowork@jfssd.org
Business Hours
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Monday:8:30am – 5pm
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Tuesday:8:30am – 5pm
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Wednesday:8:30am – 5pm
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Thursday:8:30am – 5pm
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Friday:8:30am – 4pm
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