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NEUROTRAUMA
Money
Management
- Not paying bills on
time?
- Unable to balance checkbook?
- Not able to account
for your spending?
- Having difficulty budgeting
your money so that there is enough to last you to the end of the month to
pay for: food, shelter, transportation or medical care?
The following
options are not endorsed by our office, but simply optons for you to consider
in your attempts to manage your personal finances.
Option #1:
Understanding Your Checking Account: (a) here is an on-line tutorial that takes
you through the steps of using a checking account http://ww.aboutchecking.com;
(b) here is some good information to be aware of in setting up a checking account
at the Consumer
@ction website.
Option #2:
there is an on-line course on Money Management to assist you to manage your
money by yourself. It teaches you about some basic principles and provides you
with the opportunity to develop skills to better manage your money. Visit the
Money 2000 Program website.
"Take Charge of Your Money"
provides instructions for watching the eight televised 55 minute presentations.
A schedule of
the 2005 program is also provided. From their on-line resources you can also
link to "Money Ed"
an on-line project which you can access from your internet connected computer,
to improve your financial well-being.
Option #3:
If you cannot afford to pay for money management assistance and would appreciate
some helpful tips, here's a great comprehensive website at Changing
Your Life Through Better Money Management. There are alot of resources here
but you need to click to other pages in this "deep" site to get at
it, so don't give up because you don't find what you are looking for on the
first few pages. If you don't have the patience, check out the worksheets/tips
section as I found it very informative and useful. You can also work with a
friend to assist you to get what you need from this site.
Option #4:
surfing the internet, you will find tools or aides to assist you to manage your
own money by yourself. We have listed some of them below:
Option #5: When
people with disabilities need help managing their budget and are not able to
learn or use budgeting skills, consider appointing a “representative payee”
to help you manage your benefits. This means that your representative payee
will be receiving your benefits check and he or she is to take responsibility
to make sure that this money is being spent for your benefit and well-being.
Generally, balancing your
personal budget means your income (i.e. your benefits check) goes to pay for
fixed spending items and the rest of the money can be use by you for spending
on discretionary items (based on your preferences or wishes) or put into your
savings account (for future use). The following is a sample:
| Income
- Benefit Checks
- Insurance Checks
- Wages
- Financial Assistance
Checks
- Savings Account
- Cash on Hand
- Trusts
- Pension/Retirement
Plan
|
|
|
| |
|
Fixed
Spending
- Housing/Rent/Morgage
- Utilities
- Loans
- Back taxes
- Legal debts,/Bills
- Medical debts/Bills
- Insurance payments/Bills
- Child Care Expenses
- Fares/Gasoline/Car
payments
- Food for subsistance
& health
- Personal Hygiene
Supplies
|
| |
|
Discretionary
Spending
- Misc.Transportation-related
Costs
- Telephone service
- Memberships
- Preferred Foods
- Internet Services
for Computer
- Clothing
- Gift Shopping
- Dental Services
- Entertainment
- Furnishing
- Leisure Activities
- Social Activities
- Discretionary Expenses
for Child
- Recreational Activities
- Hobbies
- Pets
- Education
|
| |
|
Savings
- Reasonable yielding,
yet secure savings
|
Who can
be your Representative Payee?
- A willing family member
or trusted friend: you should think of someone whom you trust, who knows your
situation, who knows what is important to you and who has the organizational
and financial skills to manage your money. This individual may volunteer to
do this service for you free of charge or may do so for a fee.
- If you cannot find a
willing trusted family member or friend to be your representative payee, the
following are lists of possible representative payee providers or debt consultants
in your communities you might consider contacting:
Oahu
Organizations |
Notes |
| Legal
Aid Society of Hawaii
924 Bethel Street
Honolulu, HI. 96813
Telephone: (808) 536-4302
Fax: (808) 527-8088
Legal Aid Society
of Hawaii
47-200 Waihee Road, #104
Kaneohe, HI. 96744
Telephone: (808) 536-4302
Legal Aid Society
of Hawaii
85-670 Farrington Highway
Waianae, HI. 96792
Telephone: (808) 536-4302
| Provides
representation by attorney or paralegals. Claimants must meet income
eligibility requirements.
Call or walk-in
to Honolulu Office during normal Intake hours. Be prepared to provide
information about your legal problem, income, assets and no. of people
in your household. If not a U.S. citizen, provide proof or legal residency. |
Hawaii
State Bar Association
1132 Bishop Street, Suite 906
Honolulu, HI. 96813
Telephone: (808) 537-9140
- Lawline (pre-recorded messages on different topics 528-5297; 1-800-382-5297-neighbor
islands)
- Legal Line Neighborhood Clinics (free legal services & referrals
on 1st Saturday in May on Oahu, Maui, Kauai, Hilo & Kona)
- Legal Line Hotline
(free advise, every wednesday evening, 6 - 7 pm.; 537-1868; 1-888-609-5463
-neighbor islands)
|
Refers
claimants to private attorneys. Some attorneys may not charge a fee unless
case is allowed. |
Hawaii
Disability Rights Center
900 Fort Street Mall, Suite 1040
Honolulu, HI. 96813
Telephone: (808) 949-2922; 1-800-882-1057 |
Protects
the rights of people with disabilities. |
Some Other Oahu Providers
Comfort,
Security, Independence Inc. (CSI, Inc.) 49 South Hotel Street, # 310
Honolulu, HI.
Telephone: (808) 538-0353 |
Money
management services for elderly and disabled. Provides services on Oahu
for a fee; inquire about neighbor island services. |
Consumer
Credit Consulting Services of Hawaii (CCCS Inc.)
1164 Bishop
Street, Suite 1614
Honolulu, HI. 96813
Telephone: (808) 532-3225
Fax: (808) 532-5611 |
A non-profit
organization offering debt counseling to families and individuals; a debt
repayment plan can be worked out between your creditors and you. |
Legal
Assistance for Older Adults (Dept. of Health’s Executive Office on Aging)
250 South King Street, Suite 109, Honolulu, HI. 96813
Telephone: (808) 586-0100
|
Coordinator of the
aging network legal assistance providers for older adults in Hawaii. Designated
legal services to persons age 60 and older for certain civil cases. There
are no fees for these services. Inquire about providers. |
University of Hawaii
Elder Law Program
2515 Dole Street
Honolulu, HI. 96822
Telephone: 956-6544 |
Aging network legal
assistance provider for older adults. |
Volunteer
Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
Telephone: (808) 528-7046
Toll free: 1-800-839-5200. |
Offers “free” Consumer
Credit Clinics with basic information about debt, credit and other options
to help people with excessive debts in order to avoid financial troubles,
budget their money and live within their means. |
Na Loio No Na Kanaka
(immigration issues)
810 North Vineyard Blvd.
Honolulu, HI.
Telephone: (808) 847-8828 |
Aging network legal
assistance provider for older adults. |
Neighborhood Justice
Center
200 North Vineyard Blvd., Suite 320
Honolulu, HI. 96813
Telephone: (808) 521-6767 |
Aging network legal
assistance provider for older adults. |
Institute
for Human Services, Inc.
546 Ka`aahi Street
Honolulu, HI. 96817
Telephone: (808) 845-7150
E-mail: info@IHS-hawaii.org |
Provides financial
counseling through its case management services for the homeless or those
“coming off the streets”. |
Salvation
Army
2950 Manoa Road
Honolulu, HI. 96822
Telephone: (808) 988-2136
Fax: (808) 988-1508
E-mail: hi_info@usw.sarmy.org |
The "Hana Pono`i
- Striving Towards Self-Sufficiency" seminars are for people who are in
need of basic nutrition and budget counseling. Budgeting strategies, menu
planning, and goal setting are some of the many topics covered in this
simple, but useful three-hour course. Sessions are held at least twice
a week. Call their office for more information - (808) 845-2544. |
Kauai
Legal
Aid Society of Hawaii
3359 Kuhio Highway
Lihue, Hi.
Telephone: 245-4728 |
Provides
representation by attorney or paralegals. Claimants must meet income eligibility
requirements. |
Hawaii
Disability Rights Center
3905 Hunakai, Lihue, HI.
Telephone: 246-2576
1-800-882-1057
Fax: 949-2928 |
Protects
the rights of people with disabilities. |
Some Other Kauai Providers
Seniors
Law Center
4268-K Rice Street
Lihue, HI 96766
Telephone: (808) 246-0573 |
Part
of the aging network legal assistance providers for older adults. |
Volunteer
Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200 |
Offers
“free” Consumer Credit Clinics with basic information about debt, credit
and other options to help people with excessive debts in order to avoid
financial troubles, budget their money and live within their means. |
The
Salvation Army
Lihue & Koloa Corps
4182 Hardy, Lihue, HI. 96766
Telephone: (808) 245-2571
Fax: (808) 245-8501
Hanapepe Corps
4465 Puolo Road, Hanapepe, HI. 96716
( 808) 335-5441
Fax: (808) 335-0307 |
Inquire
if parts of the "Hana Pono`i - Striving Towards Self-Sufficiency" seminars
are available. These seminars are for people who are in need of basic
nutrition and budget counseling. Budgeting strategies, menu planning,
and goal setting are some of the many topics covered in this simple, but
useful course. |
Consumer
Credit Consulting Services of Hawaii (CCCS Inc.)
1164 Bishop Street, Suite 1614
Honolulu, HI. 96813
Toll free: 1-800-801-5999
|
A non-profit
organization offering debt counseling to families and individuals; a debt
repayment plan can be worked out between your creditors and you. |
Maui,
Molokai & Lanai
Legal
Aid Society of Hawaii
2287 Main Street
Wailuku, Hi.
Telephone: 244-3731 |
Provides
representation by attorney or paralegals. Claimants must meet income eligibility
requirements. |
Some Other
Maui, Molokai & Lanai Providers
Maui
Economic Opportunity, Inc.
P.O. Box 2122
Kahului, HI. 96732
Telephone: (808) 877-0626 |
Aging
network legal assistance provider for older adults. |
Volunteer
Legal Services Hawaii
1040 Richards Street, Suite 301 Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200 |
Offers
“free” Consumer Credit Clinics with basic information about debt, credit
and other options to help people with excessive debts in order to avoid
financial troubles, budget their money and live within their means. |
| The
Salvation Army, Kahului Corps
45 W. Kamehameha Avenue, Kahului, HI.
Telephone: ((808) 871-6270
Fax: (808) 871-4048
The Salvation Army,
Lahaina Corps
131 Shaw
Telephone: (808) 661-5335
Molokai Outpost:
100 Kalae Highway
Telephone: (808) 567-9474 |
Inquire
if parts of the "Hana Pono`i - Striving Towards Self-Sufficiency" seminars
are available. These seminars are for people who are in need of basic
nutrition and budget counseling. Budgeting strategies, menu planning,
and goal setting are some of the many topics covered in this simple, but
useful course. |
Consumer
Credit Consulting Services of Hawaii (CCCS Inc.)
J. Walter Cameron Center
95 Mahalani Street, Suite 6
Wailuku , HI. 96793
Maui Telephone: (808) 242-8399 |
A non-profit
organization offering debt counseling to families and individuals; a debt
repayment plan can be worked out between your creditors and you. |
Island
of Hawaii
Hawaii
Disability Rights Centers:
Kona, HI.
Telephone: 334-0630
Honokaa., HI.
Telephone: 775-1707
Toll free Dial 1-800-882-1057 |
Protects
the rights of people with disabilities. |
Legal
Aid Society of Hawaii
305 Wailuku Drive
Hilo, HI.
Telephone: 961-2851 ext. 104
Fax: 969-3983
Legal Aid Society
of Hawaii
75-5656 Kuakini Highway,
Suite 202
Kailua-Kona, HI.
Telephone: 329-3910 ext. 22
Fax: 334-9650 |
Provides
representation by attorney or paralegals. Claimants must meet income eligibility
requirements. |
Volunteer
Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200 |
Offers
“free” Consumer Credit Clinics with basic information about debt, credit
and other options to help people with excessive debts in order to avoid
financial troubles, budget their money and live within their means. |
Some Other
"Big Island" Providers
Office
for Social Ministry
Hawaii Island Catholic Social Ministry
1408 Holomua St.,Hilo, HI.
Telephone: 935-3050 |
Representative
payee services for those who are homeless or in transitional housing. |
Volunteer Legal Services
Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200 |
Offers “free” Consumer
Credit Clinics with basic information about debt, credit and other options
to help people with excessive debts in order to avoid financial troubles,
budget their money and live within their means. |
The Salvation Army
219 Ponahawai, Hilo, HI.
Telephone: (808) 935-1277
Fax: (808) 961-3071 |
Inquire if parts
of the "Hana Pono`i - Striving Towards Self-Sufficiency" seminars are
available. These seminars are for people who are in need of basic nutrition
and budget counseling. Budgeting strategies, menu planning, and goal setting
are some of the many topics covered in this simple, but useful course. |
Consumer
Credit Consulting Services of Hawaii (CCCS Inc.)
American Savings Building
100 Pauahi Street, Suite 205
Hilo, HI. 96720
Hilo Telephone: (808) 969-7136 |
A non-profit organization
offering debt counseling to families and individuals; a debt repayment
plan can be worked out between your creditors and you. |
Option
#6: For the “technical minded”, there are “free” software programs
you might want to download off the internet, to help you budget your money and
perform other financial related services for yourself. These programs don't
do the bookeeping for you, you must insert the data yourself and continuously
update your records. If anything, these programs help you stay "on top" of your
finanical situation.
Check the
specifications as to whether the software is compatible with your computer and
whether your computer has enough power and memory to run the program.
|
Some free Software |
Website
Address |
| “AceMoney
Lite” version 3.7: is a free personal-finance manager. It helps to organize
and manage personal finances quickly and easily. It supports all features
required for home or even small-business accounting needs including tracking
your spending habits and seeing where the money goes, creating and managing
budgets, doing online banking, doing financial math analysis in multiple
currencies, protecting passwords, scheduling backups, monitoring 401(k)s
and stocks, and performing many other functions without the user needing
any experience in accounting. |
http://www.download.com/3000-2057-10208687.html |
There are various
website offering free software. This is one of the more reputable sites:
Make sure
the software is free and not being provided on a "trial basis". Be aware that
software available on a “trial basis” means you will be billed for the software
after the specified trial period has ended. It is very easy to forget about
the due date and find yourself being billed for the item! So before downloading
trial software, find out from the website how you will be notifying the company
and when you will be notifying them -- if you decide not to purchase the software
just in case you decide you don’t want it. Do not assume that by simply "deleting"
it from your computer, you are free of that responsibility.
Before purchasing
any software, ask other users with disabilities about their experiences with
it as well as contact “techies” you know as to the program's advantages and
disadvantages.
Option #7:
if interactive on-line services (Option #1) don’t work well for you and you
need that “one-on-one personal touch” of an instructor, there may be community
organizations or businesses that offer training in money management:
Oahu
| Catholic
Charities Elderly Services, 2745 Pali Highway,Honolulu, HI 96817 Phone
808-595-0077 ext. 101 Fax 808-595-0811 |
Provides
money management training to those age 55 and older. The cost of the training
is on a sliding fee schedule and services are currently only provided
on Oahu. Check if there is a waiting list. |
Oahu and Neighbor Islands
Oahu
Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
1164 Bishop Street, Suite 1614
Honolulu, HI. 96813 Telephone: (808) 532-3225 Fax: (808) 532-5611
Maui
Consumer Credit Consulting Services of Hawaii (CCS Inc.)
J. Walter Cameron Center
95 Mahalani St., Suite 6
Wailuku, HI. 967893
Telephone: (808) 242-8399
Hilo
Consumer Credit Consulting Services (CCS Inc.)
American Savings Building
100 Pauahi Street, Suite #205
Hilo, HI. 96720
Telephone: (808) 969-7136
Other Islands
Consumer Credit Consulting Services (CCS Inc.)
Call toll free: 1800-801-5999
(The Armed Services
also offer Check Balancing Classes for our service men and women). |
A
non-profit organization offering educational sessions on money management. |
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