Other Financial Literacy Resources

• Budgeting

  	YNAB, You Need A Budget. Award-winning budget interface helps you get off the financial roller coaster. Break account balances into meaningful categories, save for longer-term goals, and quickly determine if that impulse purchase will affect your finances adversely now and down the road. Free for college students with proof of enrollment. Mobile apps available for Android and iOS.
  	Mint, Get a handle on your finances the free and fast way. Does all the work of organizing and categorizing your spending for you. See where every dime goes and make money decisions you feel good about. Mobile apps available for Android and iOS.
  	Quicken, Personal Finance and Money Management Software. Quicken personal finance software will get you organized — and put you in control of your household budget. All in just minutes! Mobile apps available for Android and iOS.
  	Spendee, see where your money goes. An app for managing your personal finances on the go. It gives you the power of unique data analysis in an adaptable environment that automatically and thoroughly analyzes your income and expenses, giving you intelligent advice on how to make the most of your money. The app is designed with a sleek simple layout and built with a precise user interface that is both enjoyable and comfortable to use. Available on iOS and Android.

• Credit
   

  	AnnualCreditReport.com, The only source for your free credit reports. Authorized by Federal Law. Get a free copy of your credit report every 12 months from each credit reporting company.
  	MyFico, See how 90% of lenders see you. myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries.
  	Credit Karma, Gives you the tools you need for better credit health. Credit Karma gives you access to all of your financial information — bank accounts, credit cards, bills, mortgages, loans, and, of course, your credit scores — all in one location, all under one account, all for FREE.
  	Credit Sesame, Take control of your credit and make smarter financial decisions. Whether you want to protect your financial standing, find the best home loan, or keep tabs on your credit and debt, Credit Sesame makes it easy to access your financial picture. It’s the only tool you’ll ever need to get unbiased recommendations and make smart money decisions.
  	NerdWallet, Comparisons on all things finance. Whether it's credit cards, checking accounts, savings accounts, money market accounts, brokers for active traders, etc., you can find it all on NerdWallet. The site gives great pros and cons for everything listed above and much more.
  	My3cents, This site  offers a variety of consumer guides, company reviews, how-to's, and articles to help you learn tips and tricks when using financial tools to help save you money.
  	Credit.org, Take charge of your finances with Credit.org's financial guidance services and free educational resources.
  	Credit Card Insider, Credit Card Insider helps educate people on credit-related topics, including the impact of credit and debt on your personal life, building good credit responsibly, and the do’s and don’ts when using credit.

• Identity Theft
   

  	Federal Trade Commision, Consumer information. Get information on the different types of identity theft, what to do if you are a victim and ways to avoid becoming a victim.
  	FBI, Federal Bureau of Investigation. Stay up to date with the FBI Cyber Crime unit with information on how to protect yourself, things to look out for and how to report ID theft.
  	Consumer Affairs, identity theft guides. Compare different credit monitoring companies, learn about the different types of identity theft protection, and read expert reviews about each of these

• Banking

  	about money, checking account resources. The about money site has an entire section devoted to checking accounts. Read bank account reviews, learn how checking accounts work and even be walked through the process of writing a check.
  	How Stuff Works, personal finance. How Stuff Works provides information about how credit unions and banks work, quizzes on recession and online banking, money transfers and more.

• Debt

  	Bankrate, payoff calculators. Bankrate has some fantastic and free calculators on their website to help you manage your debt. You can use them to figure out your balance payoff date, create a plan to pay off debt sooner or decide if consolidating is right for you.
  	Credit.com, payoff calculator. The credit card payoff calculator on credit.com will help you play with monthly payment amount levels to find out how long it will take to be debt free. You can also sign up for a free credit.com account to explore more ways to pay off debt and set up a plan.
  	unbury.us, payoff tool. Use unbury.us to help get unburied from debt. This handy web app lets you choose whether to pay off your cards using the Avalanche or Snowball method. Playing with different minimum payment amounts shows you the length of time to pay off your debt.

• World of Work

  	Paycheck City, paycheck calculators. Paycheck city has a variety of calculators to help you when you're comparing different pay options. They have salary calculators, hourly wage calculators and even calculators to determine bonus pay, 401K and more.
  	Salary.com, work & life advice. This site is a plethora of good information. Use their cost of living or benefits calculators to determine the right location and job for you. Learn about COBRA, health benefits, and different times of time off.
  	IRS, retirement plans. The IRS has a helpful page on types of retirement plans and how those plans will affect your wages and taxable income. Compare 401(k), 403(b), stock ownership, IRA's and profit sharing plans.
  	Dummies.com, personal finance. Dummies.com breaks finance and retirement down into easy to understand language. Learn the pros and cons of your retirement plans, how to live off your 401(k), how annuities work and more

   

* Please note that these resources are not affiliated with Stony Brook University or the Office of Financial Aid and Scholarship Services. They are intended for informational purposes only and are to be used at your own discretion. If you choose to access any of the third party links you do so entirely at your own risk. Any comments or statements made herein do not necessarily reflect those of Stony Brook University or the Office of Financial Aid and Scholarship Services. Stony Brook University or the Office of Financial Aid and Scholarship Services may have issued, and may in the future issue, other communications that are inconsistent with, and reach different conclusions from, the information presented herein. Those communications reflect the assumptions, views, and analytical methods of the persons that prepared them.