Living Better Spending Smarter
Through Living Better Spending Smarter, we’re bringing partners together so that you can have a one stop shop for your financial fitness needs.
Get Ready for Medicare
Monday April 24, Noon - 1 p.m.
If you are near retirement age, the information you’ve heard about Medicare can be confusing. Join us for a light lunch while hearing from an expert with the Ohio Senior Health Insurance Information Program to make an informed Medicare decision. Point Place Branch Library
Spring Clean Your Household Finances
Monday, April 24, 6:30 - 7:30 p.m.
Spring is the time to dust away the cobwebs from your household money tools. Let Patrice Powers-Barker of Ohio State University Extension program show you how to create a useful spending plan and stretch a dollar in a few different “categories” of life like food and entertainment. Light refreshments provided. Sanger Branch Library
Raise Your Credit Score
Wednesday April 26, 6:30 - 8 p.m.
Better credit scores open up lots of doors, like cheaper and easier credit. And you DON’T need to pay anyone--you can do it yourself. Join us for a light dinner while learning the secrets of improving your credit score in this free presentation by financial coach Wendy Easler. Point Place Branch Library
All About Money Fair
April 29, 2017, 11 a.m.-4:30 p.m.
Spend a whole day learning about money--making it, stretching it, and keeping track of it-- at Main Library! Enjoy refreshments, and meet local organizations that tell you about financial resources in the city. Free parking in the underground garage! Event sponsored by Library Legacy Foundation and Market on the Green.
- Young Artists--Find and Protect Your Voice (11 a.m.-12:30 p.m.)
- Selling on EBay (11 a.m.-12:30 p.m.)
- Earn It, Keep It, Grow It (11:30 a.m.-12:30 p.m.)
- Great Financial Apps (12:45-1:45 p.m.)
- Couponing 101 with the Frugalicious Diva (1-3 p.m.)
- Salary Negotiations (1-3 p.m.)
- Researching Stocks (2-3:30 p.m.)
- Healthy Food, Frugal Food (3-4 p.m.)
- Should I Stay or Should I Go? (3:30-4:30 p.m.)
Community Resources: Area Office on Aging, Neighborworks, Toledo Arts Council, Market on the Green, Toledo LISC, Adelante, Clothes Mentor and United Way. Wendy Easler review and critique resumes from 11 a.m.-3 p.m.Learn More
Annual Credit Report
The government-approved place to get your annual free credit report, without subscription or cost.
Your Credit History
A short description of what credit reports do, and what goes into them, where to get them, and how to fix mistakes.
Building a Better Credit Report
An in-depth look at what goes into a credit report, how to make it better, and how to fix mistakes that may be in it now.
Sample Letter for Disputing Credit
How can you dispute mistakes in your credit report? Use this letter as a sample to send for disputing mistakes in your credit report.
FTC FAQs on Credit Reports
Federal Trade Commission questions and answers on free credit reports.
A company that gives a free credit score. This is NOT the same as a FICO (Fair ISAAC) score, but is an approximation. It may give patrons a way to find out an IDEA of what their credit score might be.
Consumer Financial Protection Bureau (CFPB)
A U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
Organizations that will help you understand your credit report:
ONE Village Financial Opportunity Center
2860 Lagrange Street, Toledo, OH 43608
Serves anyone in 43604, 43608, 436011, or any households in Toledo with children present.
Crossroads Family Resource Center
2149 Collingwood, Toledo, OH 43620
East Toledo Family Center
1020 Varland Ave. Toledo, OH 43605
CedarCreek.tv Financial Counseling
Contact firstname.lastname@example.org or call 419.661.8661 for more information.
Tools & Apps
Colleges, Careers, and Education Funding
Ohio Higher Education—Paying for college
What do you need to know about college costs and financial aid in Ohio? Find out here!
Getting relief from your college loans
Learn the latest on student loan forgiveness, deferments, and other help.
How much student aid can you receive?
Estimate the student aid you are eligible to receive.
Saving, Spending, and Loan Calculators
Great Apps for Money
Credit Karma is an app with an online website that can help you manage and track your credit report. Available for IOS and Android.
Expensify is an app with an online presence that allows you to track your expense receipts. Available for IOS and Android.
Paypal mobile allows you to pay for items right from your phone. More places are allowing you to use Paypal as your digital wallet. Available for iOS and Android.
Spendee is an app that allows you to track where the money goes by making wallets. It also allows you to analyze your expenses. Available for IOS and Android.
Moneywise is a money management app that allows you to track and analyze spending and expense on the go. Available for IOS and Android.
Mint.com is an app with an online presence that takes the information from all of your financial institutions and analyzes and tracks your savings and expenses. Available for IOS and Android.
The Business Technology Department at Main Library (419.259.5209) offers books, help finding online material, and refers people to community resources. The organizations below are throughout Toledo and Lucas County and offer free help ranging from home ownership, debt, credit building, and personal finance.
Adelante Latino Resource Center
520 Broadway Street
Toledo, OH 43604
Helps consumers become financially literate, build wealth and achieve their dream of home ownership.
City of Toledo Department of Neighborhoods
One Government Center,
Suite 1800 Toledo, OH 43604
Neighborhood Stabilization Home ownership Program, Owner-Occupied Home Rehabilitation, home purchase down payment assistance, and lead abatement assistance.
Catholic Charities Diocese of Toledo
Ave. Toledo, OH 43604
Phone: 419.244.6711, ext. 222
Financial counseling for those who seek financial aid, financial education classes, and financial toolkit events.
Crossroads Family Resource Center
4543 Douglas Road (Reformation Lutheran Church)
Toledo, OH 43613
Financial coaching and financial education classes. Resource of Lutheran Social Services.
704 – 2nd Street Toledo, OH 43605-2113
Home buying, home improvement, financial management training, home weatherization, and foreclosure prevention.
OSU Extension, Lucas County
One Government Center, Suite 550,
Toledo, OH 43604-2245
Phone: 419.213.4254 FAX: 419.213.4241
Information and classes on family nutrition, budgeting and household management.
ONE Village Financial Opportunity Center
2860 Lagrange Street
Toledo, OH 43608
Financial coaching for people in the 43604, 43608 and 43611 zip codes, or any household in Lucas County with children. Offers job coaching, income support, Ohio Benefits Bank counseling, and community education classes.
505 Hamilton Street Toledo, OH 43604
Financial education classes for low income Lucas County residents.
East Toledo Family Center
Financial Stability Advocacy
Trained financial stability advocates can help you find extra money in your budget, find ways to reduce your bills, develop a plan to meet your financial goals, avoid home foreclosure, and increase your knowledge of money.
United Way of Northwest Ohio Income Services
211 or 1.800.650.HELP
Emergency financial services, financial coaching and education.
Submit a report or complaint
This section will help you search for, or file, a complaint at the local, state, and federal levels. This is an important piece for any business as it shows credibility or a lack of credibility.
To search for consumer complaints
To file a consumer complaint on the state level
To file a complaint with the Federal Trade Commission
They accept various consumer complaints involving debt collection agencies, do not call violations, telemarketing, work at home scams, credit, and computer privacy violations.
To file a complaint about a financial product:
This includes federal student loans, consumer loans, mortgages, credit cards, and debt collection.
Rating of stocks and industry commentary, available in-building only.
Your one-stop source on stocks and mutual funds research. Create your own portfolio with screening software. (Library card and PIN number needed for sign-in outside library building)
This free product of FINRA and Morningstar, allows you to access information on stock market indexes, individual stocks, and other market news.
Stock prices and historical prices, along with news about public companies.
FINRA Fund Analyzer
Check the true costs and profits of mutual funds before you invest.
Weiss Financial Rating Series
Find the safest bank or credit union in the area, compare insurance companies, select the best-performing stocks and mutual funds. Research tools to help consumers avoid unnecessary financial risks.
Terminology and Investor Education
Investopedia’s dictionary of financial terms.
A glossary of finance and investment by the Securities and Exchange Commission.
Need more information on buying stocks, bonds, and other investments? Learn the pro’s and con’s of each type of investment from the Securities and Exchange Commission.
FINRA investment Modules
Great long articles on choosing the right investments, types of investments, retirement investments, and more.
FINRA Broker Check
Find out about a broker’s license and record of disciplinary actions before investing.
SEC Investment Advisor Search
Find a certified investment in your area, or find out more about a particular agent.
FINRA Foundation Scam Meter
Are you someone who runs a risk of fraud? Find out at the FINRA Foundation Scam Meter
Bankrate Safe and Sound
Offers ratings on the financial soundness of banks and larger credit unions.
Research a Credit Union
Check the National Credit Union Administration’s database to find a specific credit union.
Fund Analyzer by FINRA
Provides the knowledge, skills, and tools for financial success created by the FINRA Foundation, the Financial Industry Regulatory Authority.Access Now
Find a stock or a fund to meet your needs, research current or prospective holdings, or see how your investments fit together.Access Now
Plunkett Research Online
Offers business intelligence, industry trends, market research, stats, leads, plus company contacts for over 30 different major industries and tips for job seekers.Access Now
Contains detailed information on millions of companies located in the US and Canada as well as international companies in OneSource. It also includes job postings, US and Canadian White Pages, healthcare providers, and information on homeowners and lifestyles.Access Now