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IRS Tax Withholding Caldulator
Everyone should check their withholding. Due to tax law changes,
it’s especially important to check now if you:
• Are a two-income family
• Have two or more jobs at the same time
• Work a seasonal job or only work part of the year
• Claim credits like the child tax credit
• Have dependents age 17 or older
• Itemized your deductions on your 2017 return
• Have high income or a complex tax return
• Had a large tax refund or tax bill for 2017
Use the IRS Withholding Calculator to do a Paycheck Checkup
• The IRS Withholding Calculator helps figure out if you should submit a new Form W-4 to your employer.
• Have your most recent pay stub and federal tax return on hand.
• The calculator’s results are only as accurate as the information you enter.
Schedule a Credit and Debt Appointment Today @ the Patchogue-Medford Library
Financial Literacy Websites
These Financial Education Websites are nationally recognized Not For Profits and Government Websites that can help you find information on properly managing your expenses.
Financial Literacy Podcasts
WSJ's Your Money Matters Podcast
Get your personal finances in shape with advice on budgeting, credit card debt, college tuition, retirement and more.
Investing Insights from Morningstar.com
Get stock, fund, and ETF picks, plus weekly market insights, investing tips, retirement advice, and exclusive fund manager interviews from Morningstar’s director of equity research, director of personal finance, and stock and fund analyst team. Chicago-based Morningstar, Inc. is a world-leading provider of independent investment research.
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.
Talking To Your Partner About Money
Making a Budget
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.
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.
Learning About Credit
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.
Get Your Annual Free Credit Report
Credit Card Debt Payoff Calculator
Consolidating debt is a big step to take. However, a plan is still needed to get the debt paid in full. This debt payoff calculator can show how to accelerate the debt payoff. The process is simple; just apply a portion of the consolidated loan's monthly payment savings to the consolidated loan's balance. Save hundreds, even thousands in interest and shave years off of the loan.
FTC Consumer Information: Choosing a Credit Counselor
Living paycheck to paycheck? Worried about debt collectors? Can't seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may be considering the services of a credit counselor.
FTC Consumer Information: Coping With Debt
If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.
United States Department of Justice: Consumer Information on U.S. Trustee Program (Bankruptcy)
The United States Trustee Program is a component of the Department of Justice that seeks to promote the efficiency and protect the integrity of the Federal bankruptcy system. To further the public interest in the just, speedy and economical resolution of cases filed under the Bankruptcy Code, the Program monitors the conduct of bankruptcy parties and private estate trustees, oversees related administrative functions, and acts to ensure compliance with applicable laws and procedures. It also identifies and helps investigate bankruptcy fraud and abuse in coordination with United States Attorneys, the Federal Bureau of Investigation, and other law enforcement agencies.
Avoiding Predatory Loans and Loan Scams
Explains Cash Advance Loans, Payday Loans, Tax Refund Anticipation Loans, Auto Title Loans and other Predatory loans. Payday loans are illegal in New York State.