DIY Financial Resources
Take inventory: Check out your full list of federal student loans at the National Student Loan Data System (NSLDS) website. I also recommend looking at your credit report at either annualcreditreport.com or creditkarma.com to look for your private loans or potentially any federal loans that were not listed on NSLDS.
Read about the possible Loan Forgiveness programs on this Student Loan Hero Post
If you owe more than $100K in student loans, you can purchase a consult from Student Loan Planner to create an in-depth repayment strategy. The fee will more than pay for itself over the life of your loan! (If you do this, feel free to email me and let me know how the consult helped you, I’m curious).
The Portland-based non-profit Innovative Changes offers free student loan counseling.
The Portland IRS office (1220 SW Third Ave). Call to make an in-person appointment: 844-545-5640
I recommend Victor Shramm with Chaim Advisors if you’re seeking a fee-only advisor and comprehensive financial plan for your specific retirement needs. Contact him for a free consult. See my FAQ for how Financial Advising & Financial Coaching are different, though complement one another.
Buying, and affording, a Home
Mortgage payment calculator. Make sure to put in current interest rates, property taxes for the area you’re buying in, and accurate insurance & down payment info.
Mortgage affordability calculator Warning!! This calc does not take maintenance costs into account. I recommend factoring in at least $200/month off what they say you can afford to save toward maintenance, or else how will you fund that new roof or heating system when they need replacing?
You can read about some examples of affordability on my blog post.
Buying a Home in Oregon
Check out the new Portland Home Buyer’s Assistance Program! You can qualify with income limits of up to $113,960/yr, and it’s OK if it isn’t your first home purchase. Only certain lenders are approved for this program, though I know Julie Fast with River City Mortgage (503-740-4530, email@example.com) is an awesome and savvy choice for a Mortgage Lender (and she offers free credit counseling, too!)
Save big by opening an Oregon First Time Home Buyer’s Savings Account. You can deduct up to $5000/year ($10K for couples) from your OR taxable income when you deposit it into an eligible savings account. You can do this for ten years as well, which means possibly not paying state tax on $100,000! It’s also OK if you’ve owned a home previously, but not for the last three years.
Check out The Oregon IDA Initiative for 3:1 matching savings grants toward purchasing, or repairing, your first home. The average participant saves $2,000 over a two-year period and receives a $6,000 match. Income limits may vary by program.
Portland Housing Center has helped almost 9,000 homeowners to date by offering down payment assistance, financial education, IDA’s and more. Their spring/summer 2019 class schedule can be found here.
Financial Tools and Calculators
Life Energy Calculator by Your Money or Your Life. How much do you actually make per hour once you factor in the demands of your job?
Basic money-management worksheets and tips from the National Endowment for Financial Education. This resource is great if you’re wondering where to start!
Getting your Sh*t Together
The old GYST website is now Cake, a free online tool to ease the burden for your loved ones should something happen to you.
What Matters Most — A powerful, extremely helpful book written by the founder of GYST.org who experienced the sudden death of her husband and shares all the things she wished she had put in order beforehand.
Financial Freedom & Savvy
I love helping clients save tons of money while still living full, happy lives. These resources may inspire you if you feel your budget just can’t budge-
Emma Pattee’s free prenup email course and interview about Women and Prenups (These may not be for everyone, though I appreciate her advocating for women in business and the transparency and thoughtfulness that goes into them)
More Good reads about money: Check your library!
National Consumer Law Center Guide to Surviving Debt- for those of you who feel over-indebted and considering bankruptcy, this is the resource for you.
Your Are a Badass at Making Money (I resisted reading, but there is great info here)
Personal Finance textbook. No joke, a great reference for those committed DIY'ers.
Your Money and Your Brain
The One Page Financial Plan
Financial/Business tools & Freebies
Get an extra free month of YNAB (You Need a Budget software) after your trial by using this link (Save $7)
New to Square credit card processing? $30 processing credit if you sign up here
(This one benefits me too, not gonna lie)
I just switched to and love Acuity for an affordable, customizable online scheduler. Tip- If you use a Squarespace business plan for your website, you get Acuity scheduling for free!
More Portland/Oregon Resources
Portland non-profits offering Financial Services
Low-cost & free Oregon business assistance
Starting a business in ORegon
MATH, LLC (booked up currently)
Inclusion Tax! Taking new clients for 2019
Matthew Geitner, firstname.lastname@example.org
Myra Villella, email@example.com
Please contact me if you would like to include additional resources on this page!