Last Updated: Dec 23, 2016
These Financial Education Websites are nationally recognized Not For Profits and Government Websites that can help you find information on properly managing your expenses.
- Read Books on Personal Finance in the Patchogue-Medford Library
Clicking on this Link will show you what books we have on Personal Finance.
- Financial Calculators from Dinkytown.net
Our Financial Calculators are the best way to start almost any financial analysis. We designed our financial calculators to be simple to use while retaining complete and thorough analysis. They use responsive design to work great on Tablets, Phones and PCs. They can jump start a retirement plan, answer a complex loan question or just confirm a result you already expect to be true.
- Let the Buyer be Aware - NYS Department of Motor Vehicles
"It's important to learn about a vehicle before you spend money for its purchase. The information in this publication may help you choose the vehicle that best meets your needs."
- Consumer Reports with Cars Best Deals Plus
Free subscription to Consumer Reports online with your library card. The Library has print copies of Consumer Reports and reference librarians can assist you in finding consumer information for your next large purchase.
- Kelley Blue Book - Used Car Guide @ Patchogue Medford Library
Call Reference at 631-654-4700 ext. 220 for over the phone assistance on Kelley Blue Book, i.e. "What's the value of this model car?"
- Kelley Blue Books - Other @ The Patchogue-Medford Library
Copies at the Patchogue-Medford Library include the Residual Value Guide, RV Trailer, Motorcycle, Early Model Cars. Call Reference Librarians at 631-654-4700 ext. 220 for over the phone assistance, i.e. "What's the value of my model car?"
- National Insurance Crime Bureau VIN Check
NICB's VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by cooperating NICB member insurance companies. This includes flood damaged vehicles.
- Recalls Look-up by VIN - Vehicle Identification Number
Owners may not always know their recalled vehicle still needs to be repaired. NHTSA's new search tool lets you enter a Vehicle Identification Number (VIN) to quickly learn if a specific vehicle has not been repaired as part of a safety recall in the last 15 years. Free
- Motor Vehicle Leasing Rights
Whether to buy or lease a motor vehicle is one of the most important decisions faced by consumers. With the average new vehicle costing over $20,000, it is also a major financial decision.
New York was the first state in the nation to require comprehensive lease disclosures. The law governs all leases entered into in New York after August 31, 1995 and gives consumers important legal rights. This brochure explains the key provisions of the law, which New York Attorney General's office and the Greater New York Automobile Dealers Association (GNYADA) supported in order to help consumers understand leasing better.
- Used Car Lemon Law Fact Sheet
The Used Car Lemon law provides a legal remedy for consumers who are buyers or lessees of used cars that turn out to be lemons. The law requires dealers to give consumers a written warranty. Under this warranty, dealers must repair, free of charge, any defect in covered parts. If the dealer is unable to repair the car after a reasonable number of attempts, the consumer is entitled to a full refund.
- Auto Calculators
Car Loan Payment, Car Loan Payoff, Auto Lease and More
- Estimate registration fees and taxes - NYS Department of Motor Vehicles
You can use the online Estimate registration fees and taxes service to estimate registration fees. Estimates DO NOT include the sales tax.
- Are You Financially Fit? (Adobe Reader Required)
We focused in particular on the personal financial
strategies used in “top performing” households; those containing householders who were the most Financially Fit approaching retirement. Our investigations revealed six such strategies, which we have called the Simple 6.
- ¿Está usted financieramente saludable? (Adobe Reader Required)
Nos enfocamos particularmente en las estrategias financieras personales usadas en los hogares con un “Rendimiento superior”, aquellos hogares estaban formados por de individuos que encontraron el mejor método para jubilarsede una manera financieramente más estable. Nuestra investigación reveló seis estrategias
claves, las cuales hemos llamado las 6 estrategias simples.
- Make a Budget Worksheet (Adobe Reader Required)
Use this worksheet to see how much money you spend this month. Then, use this month’s information to help you plan next month’s budget.
Some bills are monthly and some come less often. If you have an expense that does not occur every month, put it in the “Other expenses this month” category.
- Make a Budget Worksheet (En Español: Haga un Presupuesto)
Use esta hoja de trabajo para ver cuánto dinero gasta este mes.
- Budgeting for College Students
Not sure how to handle your finances and student aid (grants, scholarships, loans, work-study) while you’re in school?
Learn how budgeting can help you manage your finances so you can complete your program of study and earn your certificate or degree.
- Budget Worksheet for College Graduates (Adobe Reader Required)
Complete this budgeting worksheet to see how far your take-home pay can go each month. Then, think about how you may be able to reduce some expenses and increase your savings for the future.
- Budgeting Worksheet for Homeowners (Adobe Reader Required)
To help you track your expenses and build a monthly budget, use the following worksheet for at least two or three consecutive months. This will give you a sense of where you are spending your money and changes you can make to improve your situation, if necessary.
- Credit Basics - NYC Department of Consumer Affairs
When you use credit, you are borrowing money with a promise to repay at a later date. Credit is not free. It allows you to buy things when you don't have cash, but you will be charged interest and fees.
- Credit Reports and Credit Scores
Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more. So it's especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus. This site--maintained by the Federal Reserve Board--provides answers to some of the most common, and most important, questions about credit.
- How Your Credit Score Impacts Your Financial Future
Many people do not know about the credit scoring system—much less their credit score—until they attempt to buy a home, take out a loan to start a business or make a major purchase. A credit score is usually a three-digit number that lenders use to help them decide whether you get a mortgage, a credit card or some other line of credit, and the interest rate you are charged for this credit. The score is a picture of you as a credit risk to the lender at the time of your application.
- Federal Trade Commission - Consumer Information - Money & Credit
Money matters. And using tried and true strategies for dealing with money — or the lack of it — can make a big difference to your present and your future. Whether you are saving, spending, or borrowing money, this is information you can’t afford to overlook.
- Ask CFPB - Commonly Asked Questions (Consumer Financial Protection Board)
Commonly Asked Questions and Answers from the Consumer Financial Protection Board.
- Government Loan Information
GovLoans.gov is your gateway to government loan information. It directs you to the loan information that best meets your needs. Listed below are the agencies whose loan programs are represented on this site.
- Choosing a Credit Counselor