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GO AHEAD!

    GET AHEAD!

THE RESOURCE ROOM

The websites here offer free or low cost services. Please let me know if any of these resources are no longer in service or if they have little value.

Housing

www.doverhousingauthority.org/

MAIN SITE FOR DOVER HOUSING AUTHORITY

www.senhhabitat.org/

Habitat for Humanity works to make affordable homeownership opportunities available to families that are not eligible for a conventional mortgage.

Education and Financing/Student Loan Debt

Free Online Learning Opportunities and the Latest Student Loan Payment Options

www.dalc-online.org/

Wonderful starting point for anyone who wants to embark on gaining skills for starting a career. Free computer use, English Second Language Classes, and much more!

www.dalc-online.org/

New Hampshire Housing and Finance has made their Financial Education resources available to us.There is still time left to have your name entered in to a drawing to win $500 if you register by February 28, 2013

www.gcflearnfree.org/

Learn computer skills, prepare for a job interview, or how to manage your money. You can find just about anything here, and it's all free!

oli.cmu.edu/

Learn More About OLI Leadership and Staff What We Do The Open Learning Initiative (OLI) is a grant-funded group at Carnegie Mellon University, offering innovative online courses to anyone who wants to learn or teach. Our aim is to create high-quality courses and contribute original research to improve learning and transform higher education.

Affordable Online College Courses with SOPHIA Pathways for College Credit In addition to free college readiness resources, SOPHIA has introduced SOPHIA Pathways for College Credit�???�??�?¢?�???�??�?¢ (SPCC) �???�??�?¢?? a self-paced program that offers online courses for transferable college credit at a significant savings over traditional college classes.

www.coursera.org

Courses in a wide range of topics, spanning the Humanities, Medicine, Biology, Social Sciences, Mathematics, Business, Computer Science, and many others. Whether you're looking to improve your resume, advance your career, or just learn more and expand your knowledge, we hope there will be multiple courses that you find interesting.

https://www.edx.org/

This is an open courseware site that awards certificates for completing modules. Although you will not get college credit, these can be used for your resume.

www.skillsyouneed.com

www.empirebeautyschools.com/index.cfm

Empire Has Accredited Cosmetology Schools in Both Portsmouth and Somersworth www.facebook.com/empirebeautyschoolsinc

www.nsdassoc.org/academic/resources.php

The National Student Debt Association (NSDA) to help you take advantage of federal student loan money saving repayment and forgiveness programs . For federal loans only, not private loans. This is a good resource for learning about loan program options and consumer fraud alerts. Always research any loan modification program that you are considering to be sure that it is a legitimate program.

https://studentaid.ed.gov/sa/

Website that gives a breakdown of types of financial aid that available for college and details about repayment of student loans. There is also information about preparing for college

Jobs and Money Making

www.servicelocator.org/

CareerOneStop (www.CareerOneStop.org) provides national, state and local career, labor market, and workforce information using online tools, videos, and maps to a range of local services. CareerOneStop is sponsored by the U.S. Department of Labor and provides resources and tools for job seekers, students, businesses, and career professionals

Work Supports

Helpful ways to manage work related stress and cope with workplace issues.

www.bc.edu/centers/cwf/

The Center for Work and Family was originally developed under the Sloan Foundation. Here you will find solutions for improving work/life balance

www.truity.com

We offer free and affordable online tests, based on the most popular and well-respected theories of personality and career development. All of the tests and quizzes you will find on the site have been developed by professional psychometricians. free and affordable online tests, based on the most popular and well-respected theories of personality and career development. All of the tests and quizzes you will find on the site have been developed by a professional.

Money Management

Money. It's a simple word, but not so simple in the way it affects all of our lives. Learn about the way money moves throughout our lives, the way we feel about money and ideas for changing the way we use money.

www.bankrate.com/finance/debt/9-myths-build-better-credit-9.aspx

Find Calculators to determine how long it will take to pay off debt, find tools to set up a budget, and learn about financial activities.

www.cashcourse.org

Financial literacy website created with college students in mind, but excellant resource for everyone. The website that contains tools and non-commercial information to help make financial decisions.

www.goodfinancialcents.com/best-free-online-budgeting-tools/?ModPagespeed=noscript

This is an excellant site with some really good free tools for budgeting and money mangement.

Website that shows you where you are wasting your money.

www.mymoney.gov/Pages/default.aspx

MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on MyMoney.gov can help you maximize your financial decisions

www.nhhed.com/

New Hampshire Housing and Finance has made their Financial Education resources available to us. This is a great site for anyone who has an IDA account and is working on gaining Financial Literacy Credit.

Debt Reduction

https://powerpay.org/powerpay/

What is a Power Payment? As soon as one debt is paid off, applying the monthly payment from that debt to the next debt is called a Power Payment.

www.paydayloaninfo.org/

FIND OUT ABOUT THE TRUE COST OF PAYDAY LOANS.

https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action

For those that have a student loan, there may be new payment options available that would make it easier to afford your payments. This tool can give you an estimate of what you payment could be, or what your payment will be if you are considering taking our a new loan.

www.consumer-action.org/english/articles/debtors_rights

List of your rights when you have debt in collections

boards.fool.com/credit-cards-and-consumer-debt-100145.aspx

Discussion board for credit cards and personal debt. Learn how other people have dealt with debt.

https://www.consumer.ftc.gov/articles/0117-time-barred-debts

Learn about fair debt practices and how to watch out for scams. Debt collectors have a certain number of years that they are allowed to collect on debt. After that the debt is considered "Time Barred".

Mental Health

www.mentalhealth.gov/

The federal government released this consumer friendly resource for learning how to get help with metal help issues. At the website, you can find information about the signs of mental health problems, how individuals can seek help, and stories shared by people who have come out on the other side.

www.healthyplace.com/

Good Resource for Adult ADD. Trusted information on psychological disorders and psychiatric medications. Support networks for mental health and online psychological tests. Breaking mental health news,

Stress Reduction and Problem Solving

Suggestions for ways to calm down when your feeling overwhelmed and skill building exercises to learn better ways to solve problems

cmhc.utexas.edu/stressrecess/Guided_Program/index.html

Virtual stress reduction program.

www.essentiallifeskills.net/self-concept.html

Website that will give you ideas for how to handle just about anything that you struggle with. Learning how to do anything that gets rid of annoying problems is a HUGE self esteem booster, which leads to less stress!

www.heartmath.org/free-services/tools-for-well-being/tools-for-well-being-home.html

www.meditainment.com/managing-stress/

Free Guided Meditation

Anxiety/Panic Attacks

selftherapy.org

Free audio for non-medication method to stop panic attacks and calm anxiety.

www.innerhealthstudio.com/overcoming-anxiety.html

Good suggestions for relief from anxiety

Household Management and Savings

Keep your family on track by taking advantage of tried and true routines and systems for staying organized. Get the best prices for gas, and more money saving ideas!

www.flylady.net/d/getting-started/

Fly Lady is the original household organizer. She has set up a specific routine for getting and keeping organized, and there is also a place where you can be matched with a partner to keep each other motivated.

www.newhampshiregasprices.com/index.aspx?zip=03820&src=Y

Dover area gas prices.

thriftyfrugalmom.com

Budgeting, Recipes, links to websites with free stuff. This site is LOADED!

New Hampshire Child Care

nh.childcareaware.org/

New Hampshire Child Care Resource

nh.childcareaware.org/financial-assistance-for-child-care/

Childcare Aware is a resource for families and childcare providers. The website contains information about hot topics in childcare, a provider database and links to community resources.

Healthcare Benefits

goodwinch.org/

One stop Health Center

https://www.healthcare.gov/

Website for choosing healthcare when the new health care laws (Obama Plan) go into effect. Registration will begin on October 01, 2013.

Low Cost Internet Providers

www.netzero.net

Basic Dial-up for $9.95 monthly. or FREE 10 hours per month.

www.arczip.com

Full Featured Internet Service-150 hours per month at $14.95

mfire.com/

Full Service Internet at with unlimited hours for $19.95 per month. Use the promotion code- ALL and pay $14.95 monthly

www.surfglobal.net/

Full internet service for starting at $12.95 per month.

https://apply.internetessentials.com/

For families that qualify for free or reduced price school lunches, Comcast will provide monthly service for $9.95 and give them a chance to buy a notebook computer for less than $150. To find out if you qualify call 1-855-8INTERNET

LEGAL

New Hampshire Legal Self Help Center

www.nolo.com/about.html

Nolo began publishing do-it-yourself legal guides in 1971. In the 40 years since its founding, Nolo has evolved with technology, developing do-it-yourself software and building Nolo.com into one of the Internet�??s leading legal websites

www.nhlegalaid.org/about/legal-advice-and-referral-center

This website was created by a community of legal service providers to assist in the delivery of the delivery of accurate legal information.

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