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Welcome to the Financial Wellness Center

New resources each week for the NC Assist community.

This Week

Savings Strategies For a Large Purchase

Specific strategies for saving for large purchases like a new appliance or a special trip.

Explore Articles

Featured Topics

Explore content and videos from the NC Assist team.

Tools and Resources

Try our calculators, assessments and data tools.

Financial Wellness
Compare your financial health with a national sample.

College Explorer
Details on thousands of institutions across the country.

Mortgage Calculator
Quickly estimate monthly payments and total cost.

Identity Theft Prevention
How well do you protect your identity?

Financial Wellness Courses

Make real progress in less than an hour.

Income Tax Basics

32 minutes

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Learn what you need to know about tax brackets, when to review your withholding and how to avoid common tax scams.

  • How Income Taxes Work
    Learn how income taxes are calculated and how the various tax brackets are applied.
  • Tax Credits and Tax Deductions
    An over view of the difference between the two terms including an outline of popular tax credits.
  • When to Review Your Tax Withholding
    Knowing when to adjust your tax withholding is crucial to managing your tax liability and avoiding unexpected tax bills or refunds.
  • Preparing to File Your Tax Return
    How to assemble required documents, explore potential ways to reduce the amount of tax you owe, and choose your filing method.
  • Avoiding (and Fixing) Common Tax Errors
    Mistakes on tax forms aren't unusual. Learn the most common errors and how to fix them.
  • Avoiding Tax Scams
    Learn how to identify and avoid common tax-related scams.
  • Reducing Your Tax Bill by Saving Money
    Saving for retirement can be a smart way to reduce your tax bill while planning for your financial security.
  • Making the Most of a Tax Refund
    Far from "mad money," an income tax refund is money you earned through hard work. Learn how to put it to work.
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Identity Theft

19 minutes

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An overview of identity theft, including strategies for preventing it and what to do if it happens to you.

  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Social Media and Identity Theft
    What you reveal online can compromise your personal and financial security.
  • Medical Identity Theft
    Medical identity theft is a little-known form of identity theft with consequences affecting more than just your wallet.
  • Avoiding Identity Theft
    The three Ds of identity protection: Deter, Detect and Defend.
  • Protecting Your Digital Information
    There are many data backup solutions designed to protect personal information that vary in their security and ease of use.
  • Dealing with Identity Theft
    Understanding the different types of identity theft and what to do in each scenario.

Understanding Insurance

22 minutes

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Understanding the common types of insurance, including auto, renters, health, plus more.

  • Insurance
    Understanding how insurance plays an important role in our financial lives.
  • Auto Insurance
    A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
  • Life Insurance
    Who needs life insurance, types of policies, and how to determine coverage.
  • Renter's Insurance
    Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.
  • Health Insurance
    The various health insurance choices.
  • Disability Insurance
    The benefits and costs of these often complex policies.
Coach Writing Play on Chalkboard

Budget Basics

28 minutes

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From setting goals to paying off loans, the basics of effective budget management.

  • Setting Goals
    Setting financial goals offers the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than how we are.
  • Debt and the Pressure to Spend
    It’s wonderful to have the freedom to buy so many products, but unless you’re rich, the key to happy spending is planned spending.
  • Nudging Yourself Toward Your Goals
    No matter what your financial goal, it's important to have an accountability system in place.
  • Introduction to Budgeting
    Why budgeting is important, no matter how much money you earn.
  • Income and Expenses
    A big part of budgeting is identifying income and listing expenses.
  • Making Sense of Your Budget
    After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
  • Tracking Your Spending
    Tracking your money can be a powerful way to spot unplanned spending.
  • How to Improve Cash Flow
    Cash flow is a key indicator of your financial health.
  • Money Saving Ideas
    Looking for ideas for ways to save money? Almost everyone can find a way to save using at least one of these tips.

About NC Assist

NC Assist Loans are education loan that helps to bridge the gap between the cost of attendance and other financial aid. The loan is available to both students and parents. Students eligible for this loan must be North Carolina residents or students who reside outside of North Carolina but are attending an eligible non-profit Title IV institution in North Carolina.

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