Money Basics
Facilitator Toolkit
Course Materials & Resources
Here you will find all of the materials and resources needed to facilitate MHAAO’s Money Basics Workshops, including registration forms, handouts, worksheets, activities, PowerPoint slides, supplementary videos, and additional resources.
You may choose to use all, some, or none of these resources. This course is designed to be interactive and tailored to the needs of the participants. These materials are here to supplement the information in the Student Guide and help provide additional information and possibilities for interactive learning.
Click on the links below to find the materials associated with each workshop, along with the Student and Facilitator Guides and additional resources for facilitators.
Click the + sign on the right to view the materials for each workshop
Workshops
Workshop 1
Handouts & Worksheets:
- Workshop 1 Worksheets
- 1. Poverty and Hunger in America
- 2. Steps Toward Financial Resilience
- 3. Poverty and Intersectionality in Oregon
- 4. Hidden Rules Among Classes5. How Poverty is Measured in the US
- 5. How Poverty is Measured in the US
- 6. The ‘American Dream’ of upward mobility is broken
- 7. White Privilege Invisible Knapsack
- Financial Literacy & African Americans_ Bridging the Gap
Additional Resources:
- 1. Tips for Managing Money When You Live With Mental Health Challenges
- 2. How to Practice Mindfulness on a Budget
- 3. How to Reduce Financial Stress
- 4. Income Inequality in America
- 5. Poverty in America Statistics
- 6. Data Illustrating the Intersectional Nature of Poverty
- 7. Bruce’s Beach Systemic Racism and Reparations
- 8. Race and the lack of intergenerational economic mobility in the US
- 9. Displacement in Portland
- 10. Brief History of Race, Racism & Colonialism
- 11. Unaffordable America. Poverty, Housing and Eviction
- 12. FAQs on Problem Gambling
- 13. Financial Toolkit for Problem Gamblers
- 14. Financial Strategies for Loved Ones of Gamblers
- 15. Dismantling the Poverty Trap Article
- 16. Supplemental Poverty Measure
- Workshop 1 Additional Resources
Videos:
- Donita Diamata on Mental Health & Poverty
- Mapping Poverty in America
- Social Class and the “American Dream”
- 8 Videos on Understanding Systemic Racism
- Kimberlé Crenshaw on the Urgency of Intersectionality
- Redlining & Housing Segregation in America (NPR)
- Redlining in Portland, Oregon
- Oregon’s Racist History
- How to Build Financial Resiliency
Slides:
Interactive Links:
Workshop 2
Handouts & Worksheets:
Additional Resources:
Videos:
Slides:
Interactive Links:
Workshop 3
Handouts & Worksheets:
- Workshop 3 Worksheets
- 1. Budgeting Apps
- 2. Budgeting Tips
- 3. Money Saving Resources Handout
- Budget Worksheet 1
- Budget Worksheet 2
- Budget Worksheet 3
- Budget Worksheet 4_ Income & Expenses
- Fact-Sheet-Benefits-Counseling
Additional Resources:
- 1. How to Make a Budget
- 2. Free Online Budgeting Tools
- 3. How to Create a Successful Budget
- 4. How to Create a Budget in Six Steps
- 5. 190 Online Resources for Saving Money
- 6. 10 Easy Ways to Save Money
- 7. 99 Great Ways to Save Money
- 8. No-brainer Money-Saving Tips
- 9. 11 Frugal Living Tips
- 10. How to Buy a House with Low Income
- 11. How To File For SSDI Benefits If Homeless
- 12. SSI Ticket to Work and PASS Accounts
- Personal Balance Sheet
- Personal Monthly Budget
- 25 Ways to Live on Less
- Guide to SSI
- The Social Security Administration Red Book (2020)
- Tips for Family Money Management
- Tips for Successful Budgeting
- Workshop 3 Additional Resources
Videos:
- 3 Ways to Budget
- The 50/30/20 Rule
- Money Saving Life-Hacks
- How to Save More Money Each Month
- Budgeting Basics
- Budgeting Tips & Hacks
Slides:
Interactive Links:
Workshop 4
Handouts & Worksheets:
- Workshop 4 Worksheet
- 1. Second Chance Checking Accounts
- 2. How to Avoid Bank Fees
- 3. How to Balance Your Checkbook
- Check Writing Activity Cards
- Check Writing Activity Instructions
- Practice Checks
Additional Resources:
- 1. How to Open a Bank Account
- 2. What to Consider When Opening a Bank Account
- 3. How to Open a Checking Account With Bad Credit
- 4. Is Balancing Your Checkbook Still Important
- 5. Check Writing Tips
- 6. Common Banking Fees
- How to Read a Check
- How to Write a Check
- Keeping a Check Register
- Why Are Credit Unions Different Than Banks
- Workshop 4 Additional Resources
Videos:
Slides:
Workshop 5
Handouts & Worksheets:
- 1. ATMs and ATM Safety
- 2. Best Online Banks of 2021
- 3. Options if You Can’t Open a Traditional Bank Account
- 4. Common Phone Scams
- 5. How to Avoid Identity Scams
- 6. Help for Identity Theft
Additional Resources:
- 1. What to Do if Your Debit Card is Lost or Stolen
- 2. Debit Card Safety Online
- 3. Best Online Banks
- 4. Alternatives to Traditional Banks
- 5. Pros and Cons of Internet Banks
- 6. What are Credit Unions
- 7. Online Banking Definition, Pros and Cons
- 8. Things to Consider When Choosing an Online Bank
- 9. List of Virtual Banks and Their Benefits
- 10. Online and Mobile Money Safety
- 11. First Aid for Identity Theft
- 12. How to Spot and Avoid Card Skimmers
- 13. IRS Tips for Protecting Your Identity
- 14. Repairing Identity Theft
- 15. What To Do if You’ve Been Scammed
- 16. What is ATM Skimming
- ATM Safety Scenarios
- Internet Banking Safety Tips
- Safe Virtual Banking
- Workshop 5 Additional Resources
Videos:
Slides:
Workshop 6
Handouts & Worksheets:
- 1. How Does Credit Work
- 2. Debunking Smart Credit Myths
- 3. How To Improve Your Credit Score
- 4. Definition and Examples of Predatory Lending
- Avoiding Dangerous Loans
- Credit Card FAQs
- How to Spot Predatory Lending
- Credit Card Fact or Fiction Game
Additional Resources:
- 1. How Credit Scores Work
- 2. How to Choose a Credit Card
- 3. Little-Known Facts About Your Credit Card
- 4. How to Raise a Low Credit Score
- 5. Best Credit Cards for Rebuilding Bad Credit
- 6. What You Should Know About Credit Card Interest Rates
- 7. Spotting Credit Repair Scams
- 8. How to Get Preapproved for a Loan
- 9. Credit Unions and Car Loans
- 10. Student Loan Settlements
- 11 How to Get a Good Deal on your First Car Loan
- 12. What To Know About Payday and Car Title Loans
- 13. Predatory Lending Practices
- 14. What Is Predatory Mortgage Lending
- 15. How to Ask for a Lower Credit Card Interest Rate
- 16. How to Get the Best Car Loan
- 17. Interest Rates and Student Loans
- 18. Why Payday Loans Can Be Costly
- 19. Predatory Lending and Mortgages
- Building a Better Credit Report
- Difference Between Fixed and Variable Interest Rates
- How Credit Cards Work
- Predatory Lending- Payday Loans
- Reading Your Credit Card Bill
- Understanding Loan Interest
- Workshop 6 Additional Resources
Videos:
- The Differences Between Debit & Credit
- Understanding Credit & Credit Scores
- Loan Basics
- John Oliver on Payday Loans
Slides:
Interactive Links:
Workshop 7
Handouts & Worksheets:
- Workshop 7 Worksheets
- 1. Debt and Mental Health
- 2. How to Cope with Debt
- 3. Debt Collection FAQs
- 4. How to Create a Debt Elimination Plan
Additional Resources:
- 1. The Emotional Effects of Debt
- 2. How Debt Affects Your Health
- 3. The Effect of Debt Problems on People’s Health
- 4. Deciding Between Debt Relief or Bankruptcy
- 5. Filing for Bankruptcy Without an Attorney
- 6. How Bankruptcy Can Affect Your Mental Health
- 7. Understanding Bankruptcy
- 8. 73 Tips for Eliminating Debt
- 9. 5 Ways to Get out of Debt
- Workshop 7 Additional Resources
Videos:
- How to Get out of Debt
- 7 Steps to Debt Freedom
- Debt Snowball vs Debt Avalanche Technique
- Effects of Debt on Mental Health
Slides:
Interactive Links:
Workshop 8
Handouts & Worksheets:
- Workshop 8 Worksheets
- 1. The 2 Way Connection Between Poverty and Mental Health Issues
- 2. Tips for Talking With Your Partner About Finances
- 3. Steps to Healthy Finances in Your Relationship
- 4. Understanding Representative Payees
- 5. When a Representative Payee Manages Your Money
- 6. Understanding Financial Abuse & Safety Planning
- 7. Information and Services for Survivors
- FAQ Representative Payees
- Financial Abuse Fact Sheet
- Financial Abuse FAQs
- Workshop 8 Worksheets
Additional Resources:
- 1. Mental Health and Money
- 2. Poverty, Social Inequality and Mental Health
- 3. Recovering Your Finances After Rehab
- 4. The Poverty Mindset
- 5. FAQs on Problem Gambling
- 6. Resources for Problem Gambling
- 7. Income Inequality and Health Care
- 8. How to Avoid the Health Risks that Come from Financial Stress
- 9. Poverty’s Effect on Children’s Health
- 10. Poverty and Poor Health Worldwide
- 11. How to Talk to Your Partner About Money
- 12. Money Problems and Relationship Problems
- 13. How to Prevent Arguments About Money
- 14. How to Talk to Your Spouse About Money
- 15. Common Financially Abusive Behaviors
- 16. How to Spot Financial Abuse of an Elder
- 17. Tackling social inequalities to reduce mental health problems
- Effects of Childhood Poverty
- Financial Abuse and Rebuilding your Finances
- Money Smart for Older Adults – Prevent Financial Exploitation
- Poverty and Health
- Statistics on Mental Illness and Poverty
- Workshop 8 Additional Resources
Videos:
- Mental Health Advocate Discusses Link Between Poverty & Mental Health Challenges
- The Psychological Links Between Money & Mental Health
- Depression, Anxiety & Poverty
- Barriers to Mental Health Care for BIPOC Communities
- Racism & Mental Health
- What is a Representative Payee?
- Do I Have to Have a Representative Payee?
Slides:
Workshop 9
Handouts & Worksheets:
- 1. IRS Tips to Take the Stress out of Tax Season
- 2. IRS Free File
- 3. 6 Steps for First-Time Tax Filers
- 4. The Three Basic Tax Types
- 5. Credits & Deductions
- 6. Common Tax Write-Offs You Can Claim
- 7. 8 Things to Know about Oregon’s Tax System
- Who Qualifies for the Earned Income Tax Credit (EITC) _ Internal Revenue Service
Additional Resources:
- 1. What to Know About How to File Taxes
- 2. How to Cope with Tax Season Stress
- 3. How to File Your Taxes
- 4. Tax Basics
- 5. Why We Pay Taxes
- 6. Regressive Vs. Progressive Taxes
- 7. Federal Tax Revenue
- Form 1040
- Workshop 9 Additional Resources
Videos:
- Beginner’s Guide to Filing Taxes
- How to File Your Tax Return Online For Free
- Credits Vs Deductions
- Am I Eligible for Earned Income Tax Credit
Slides:
Interactive Links:
Workshop 10
Handouts & Worksheets:
- Workshop 10 Worksheets
- 1. How To Save For Your Future
- 2. Individual Development Account Fact Sheet
- 3. IDA Basics & Resources
- Individual Development Accounts FAQs
- Savings Tips
Additional Resources:
- 1. ABLE Accounts
- 2. Asset Building For Low-Income Families
- 3. 23 Easy Ways To Save Money
- 4. How to Save Money On A Low Income
- 5. A Beginner’s Guide to Saving Money
- Workshop 10 Additional Resources
Videos:
- The 4 Essential Savings Accounts & What to do With Them
- How to Start Building Assets
- IDAs 101
- How to Save Money on a Limited Income
Slides:
Interactive Links: