Serving economically vulnerable consumers
For many people, the loss of a job or an unexpected bill can be the tipping point into economic hardship. From managing debt to building a credit record, use our resources to help people who are economically vulnerable achieve their financial goals.
Focus on people with disabilities
Our latest financial empowerment guide has resources for people with disabilities and organizations that serve the disability community.
![Your money your goals](https://webharvest.gov/congress115th/20181203184832im_/https://s3.amazonaws.com/files.consumerfinance.gov/f/images/cfpb_ymyg_disabilities.original.jpg)
Tools and resources to use with people you serve
Getting and keeping good credit
Both getting—and keeping—a good credit record is key to improving an individual’s financial well-being.
Saving money
Saving money gives people financial stability and the ability to reach goals like buying a car or attending college.
Managing debt
Managing debt is an important part of financial well-being, and like saving, gives people stability and control.
Managing money
From opening a bank account to making sure bills get paid, being able to manage money on a daily basis is key to financial well-being.
Tools and resources by topic
Resources organized by topic, including savings, credit reports and scores, debt collection, and money management.
Tools and resources by audience
Resources organized by audience, including young adults, people with disabilities, and Native communities.
Resources for practitioners
Assessing financial well-being
Use the financial well-being scale to measure the extent to which someone’s financial situation and capability provides security and freedom of choice.
Tracking success of your programs
Organizations can use this core set of outcomes to track success in financial empowerment and capability programs.
Five principles for effective financial education
Providing effective financial education can help consumers achieve the ultimate goal of financial education: financial well-being.
Helping credit invisibles
Roughly 45 million people don’t have a credit record that can be scored, making it hard for them to obtain things like credit cards or housing.