The Treasurer’s Office has worked with many local banking partners to provide financial resources for citizens. We’ve also collected resources from around the web with tips on budgeting, saving, building your credit and managing debt. Looking for information on a topic we don’t have listed? Leave a comment and we’ll try locate it. Or, come into our office and talk with our financial empowerment staff.
Lunch and Learns
The Office of Financial Empowerment has been providing extensive financial education training for City of St. Louis employees during their lunch breaks. We are happy to announce that all Lunch and Learns (unless otherwise noted) are free and open to the public. Lunch and Learn workshops are held throughout the week at City Hall and are facilitated by our financial institution and non-profit partners. If you are interested in signing up for a class, click here for upcoming events.
Presentations from previous Lunch and Learns can be found below:
Student Loans Forgiven, presented by The Foundation for Financial Education
Estate Planning, presented by Guardian Life Insurance
Fundamentals of Investing, presented by Wells Fargo Advisors
The Keys to Home Ownership, presented by Eagle Bank
Your 5 Step Guide to Paying for College, presented by Wells Fargo Advisors
Detecting Elderly Fraud Abuse, presented by Wells Fargo Advisors
Give the Gift of College Savings, presented by College Kids
Financial Health Assessment, presented by 1st Financial Federal Credit Union
Charge it Right, presented by MidWest Bank Centre
Where to Invest, Session II, presented by Wells Fargo Advisors
Financial Recovery, presented by Midwest BankCentre
Budgeting for Couples, presented by Enterprise Bank
Technology and Saving, presented by College Kids
Becoming a Homeowner, presented by Wells Fargo Advisors
An Action Plan for Women, presented by Empower Retirement
Debt Collections: Know Your Legal Rights, presented by Attorney Matt Cook
Budgeting and Saving
It's important to figure out the best way for you to create a budget and stick to it! Here are a few ways to start controlling your saving. We've also included some tools and advice on managing your budget.
- Budgeting 101: How a Simple Budget Helped Me--And Can Help You Too from Simple Dollar
- 5 Ways to Track Your Budget from OFB
- Envelope Budgeting System from Money Crashers
- Budgeting Apps by Tom's Guide
- Budget Templates for Microsoft Office from Microsoft Office
- Budget Worksheet from Federal Trade Commision
- Save and Invest from MyMoney.gov
A good credit score means that you can qualify for loans to pay for house, education or a car. We've put together information on understanding your score and steps you can take to increase your score. Our Operation HOPE staff member hosts credit workshops and offers one-on-one credit counseling.
- FICO Score High Achievers from FICO (video below)
- You are entitled to a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. Go to www.AnnualCreditReport.com or call toll free 1-877-322-8228 to order the free reports. Beware of imposter sites.
Millions of American deal with debt. Below are some resources that explain how debt works and what to do to pay off your debt successfully.
- Coping with Debt from the Federal Trade Commission
- Power Pay Debt Calculator from Utah State University Extension
St. Louis is home to a wealth of financial education and empowerment resources. This list will be updated on an ongoing basis.
- Bank On Save Up St. Louis
- Money Smart Week Resources
- High School to College Center
- Best Practices for City and Countywide CSA Program Development
There is a lot of information online about managing your money. Here are a few highlights from around the web.
It's important that children learn about money at an early age. It prepares them for the future!
- Mad Money Game from PBS Kids Go (requires Flash plug-in to play)
- Money Confident Kids from T. Rowe Price
- Money Games for Kids from Kids.gov
Explaining Money to Kids (cartoon)