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COVID-19 Resources

Written by Benjamin Moss · 26 March 2020

Here is a list of savings resources to help during the Coronavirus crisis.

America Saves Articles

Pantry Shopping and Meal Planning Preparation Tips

7 Free Family Fun Ideas to Try While Sheltering in Place

Where To Get Financial Help During The COVID-19 Crisis

4 Steps to Spending Your Stimulus Check Wisely When You Don't Have An Emergency Fund

Stimulus Decision Tree

Download Decision Tree: PNG | PDF


Income Taxes

IRS Coronavirus tax relief extends payment/filing of taxes


 Financial Information

FINRA Foundation

National Foundation for Credit Counseling (NFCC) Coronavirus Financial Toolkit

FDIC | Receiving IRS Economic Impact Payments


Mortgage Relief

Mortgage Relief Tracker: This site tracks federal, state, and private mortgage relief programs.


Scams

FTC


Student Loans

Federal Student Aid – You may be able to temporarily stop making payments

 

National Financial Capability Month

Written by Benjamin Moss · 25 March 2020

With the continued COVID-19 pandemic growing and everyday Americans feeling the ramifications of our economy slowing down in an effort to slow the spread, we are experiencing firsthand why saving for the unexpected and having a savings plan is crucial.

April is National Financial Capability Month, and there’s no better time for us to commit to supporting individuals and families in their quest to be more financially stable by saving successfully and reducing debt— even in a time of crisis.

In this month’s America Saves Partner Resource Packet you will find content that helps build financial literacy, including ready-to-use social media posts, graphics, blog posts and more.


Social Media & Blog Posts:

It’s National #FinancialCapability Month aka National #FinancialLiteracy Month. No matter what you call it, here are 3 actions you can take right now via @AmericaSaves:https://bit.ly/3afjHgl

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April is National #FinancialCapability Month! With many American households anxious about finances navigating the COVID-19 pandemic, here is a tip from @AmericaSaves: Continue to #SaveAutomatically. https://bit.ly/asautosave

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#SaveAutomatically by having your direct deposit split with a portion going to savings, or have your financial institution auto-transfer a set amount each pay period. #FinancialCapability tip via @AmericaSaves

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Need to dip into your #savings? Don’t feel guilty, that’s what your emergency fund is for. If you have automatic savings set up, you’ll meet your savings goal again in no time. #FinancialCapabilityMonth tip via @AmericaSaves

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Wondering the most responsible way to allocate extra money toward your financial goals? Try this tip from @AmericaSaves! #FinancialCapabilityMonth

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Having a good credit score is crucial to financial health! Don’t forget to make your payments on time, as a late payment can be detrimental to your credit score. Via @AmericaSaves #FinancialCapabilityMonth

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Being financially capable is more than having savings, it’s knowing the resources available so that you can make informed & effective decisions. @AmericaSaves created this list of resources for anyone who may need help during the COVID-19 Crisis.
https://americasaves.org/help-during-covid-19

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One of the first steps on the path of #FinancialCapability is understanding your relationship with money. Take the “What’s Your Money Personality?” Quiz from @AmericaSaves to get insight on your spending habits. https://bit.ly/asmoneyquiz

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Want a savings accountability partner? Take the @AmericaSaves Pledge and receive support that helps keep you focused on your savings goals via email, text, tips, and reminders:
http://bit.ly/aspledge #FinancialCapability #FinancialLiteracy

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Not only does reducing debt save you money, it frees up funds so that you can reach your other savings goals faster. Organizations like our partners over at @moneymanagement can help! https://bit.ly/2JdPYbw


Resources

America Saves Resources/Tools

  • Incorporate the America Saves Pledge in your community outreach: http://bit.ly/aspledge.
  • Request an Embeddable Pledge for your website by emailing us at This email address is being protected from spambots. You need JavaScript enabled to view it..
  • Request to become a Local Campaign partner of America Saves and get direct support from our team to champion savings in your local community.
  • Text to Pledge: Savers can take the America Saves Pledge via text message and receive support throughout their savings journey.

Download Save Automatically Flyer


Partner Organization Resources & Highlights

Videos:

University of Arkansas Save Automatically Video

Encourages you to make your savings automatic like other things around your home.

Effective Strategies for Saving Successfully
An online panel discussion among 3 banking executives with successful saving tips and sharing how their financial institutions are supporting individuals with saving.

Split to Save
Encourages you to split your direct deposit, having a portion going directly to a savings account.


Events:

April is Military Saves Month! To learn more and sign up to be a participating organization click here: Military Saves Month

From the Archives:

View the 2019 National Financial Capability Month Resource Packet

2020 I'm Saving For Sweepstakes

Written by Benjamin Moss · 30 January 2020

We know that savers with a plan are more than twice as likely to make progress towards their savings goals as those without a plan. That’s why we created the America Saves Pledge. When someone takes the Pledge, they identify a savings goal (such as a rainy day fund or retirement), an amount to save per month, and the number of months they will save that amount. In other words, they make a basic savings plan.

During America Saves Week, we want to celebrate those who take action and make a commitment to themselves to save. Savers who take the America Saves Pledge can enter the annual #ImSavingFor Sweepstakes and win up to $750.

Official Rules

How to enter

To win $500:

  • Take the America Saves Pledge, tell America Saves what you’re saving for, and make a simple savings plan to reach your goal.

To win $750:

  • Take the America Saves Pledge, tell America Saves what you’re saving for, and make a simple savings plan to reach your goal; AND,
  • Share! Download the #ImSavingFor Sweepstakes graphic. Then post what you are saving for on Facebook or Twitter using the hashtags #ImSavingFor and #ASW2020.

No Purchase Necessary. Sweepstakes begins February 24, 2020, and ends February 29, 2020. See Official Rules.

Tuscaloosa Saves Pledge

Written by Benjamin Moss · 14 February 2020

I'm Saving For Rules

Written by Benjamin Moss · 02 January 2020

CONSUMER FEDERATION OF AMERICA “#IMSAVINGFORSWEEPSTAKES”

OFFICIAL RULES

 

NO PURCHASE NECESSARY TO ENTER OR WIN. SWEEPSTAKES OPEN TO LEGAL RESIDENTS OF THE 50 UNITED STATES OR DISTRICT OF COLUMBIA WHO ARE AT LEAST 18 YEARS OF AGE OR OLDER ON THE DATE OF ENTRY. VOID WHERE PROHIBITED BY LAW.

 

1) SWEEPSTAKES PERIOD: The #ImSavingForSweepstakes (the “Sweepstakes” or the “Promotion”) starts February 24, 2020 at 12:01 A.M. ET and ends February 29, 2020 at 11:59 P.M. ET (the "Sweepstakes Period").

 

2) ELIGIBILITY: TO BE ELIGIBLE TO WIN, YOU MUST BE A LEGAL RESIDENT OF THE FIFTY (50) UNITED STATES OR DISTRICT OF COLUMBIA AND BE AT LEAST 18 YEARS OF AGE OR OLDER ON THE DATE OF ENTRY. The officers, directors and employees of the Consumer Federation of America (the “Sponsor”) its subsidiaries and affiliated organizations, advertising and promotion agencies, persons engaged in the development, production or distribution of materials for this promotion (collectively, the “Promotion Parties”) and the immediate family members (parent, child, sibling, and spouse of each) of and/or persons living in the same household as such individuals (whether related or not) are not eligible to participate. This Sweepstakes is void where prohibited by law.

 

  • HOW TO ENTER: NO PURCHASE IS NECESSARY TO ENTER OR WIN. To enter, go to https://americasaves.org/for-savers/pledge, and follow the on-screen instructions. You must complete and submit the America Saves Pledge Form (the “Pledge Form” or “Entry”) as instructed to be eligible. Once the Entry has been successfully submitted, you will be entered into the Sweepstakes. As part of the Sweepstakes entry process, Entrants (the “Entrants”) will be required to indicate that they have read, accept, and agree to be bound by these Official Rules. Any Entry information collected from the Sweepstakes shall be used only in a manner consistent with the consent given by Entrants at the time of Entry, with these Official Rules, and with the Sponsor’s privacy policy which can be found at https://americasaves.org/learn-more-about-us/privacy-policy. There is a limit of one (1) Entry per person/per email address.

 

If any individual submits entries in excess of the disclosed maximum, by any means, including but not limited to establishing multiple email accounts, they will be disqualified from participation in this Sweepstakes. The name of the person submitting the Sweepstakes Entry must be the authorized account holder of such email address, otherwise, Entry may be deemed void. In the event of a dispute over the identity of the potential Grand Prize winner, the Entry will be declared made by the authorized account holder of the email address submitted at the time of Entry, and the potential Grand Prize winner may be required to provide identification sufficient to show that he/she is the authorized account holder of such email address. It is the sole responsibility of the Entrant to notify the Sponsor in writing if the Entrant changes his or her email or postal address during the Sweepstakes Period.

 

After the Entry has been submitted, the Sponsor will send each Entrant an email requesting confirmation of his/her submission of the America Saves Pledge. Furthermore, the Entrant will also be provided with the opportunity to enhance his/her pledge as well as their potential prize (as further detailed below) should said Entrant be confirmed as the Grand Prize winner.

 

To enhance the Grand Prize, Entrants must first answer “Yes!” to the following question. “Do you want to boost your potential prize from $500 to $750 by inspiring others to save on social media?” To complete the Entry enhancement process please follow the instructions below. Failure to follow the steps below, after responding “Yes” to the entry enhancement question, will Void your Entry enhancement request. The prize enhancement feature will only take effect if you are confirmed as the Grand Prize winner.

 

 

To enhance your Entry, you must be a registered user of either www.Instagram.com (“Instagram”), www.Facebook.com (“Facebook”) or www.Twitter.com (“Twitter”). If you do not have an account, visit Instagram, Facebook or Twitter to create one. There is no fee or charge to become a Registered User. By submitting your information and creating an account, you agree to the respective terms of use and privacy notice. If you do not agree to such terms of use and privacy notice, you cannot create a respective account, or enhance your Entry. You can return your account to “private” any time after the winner announcement.

 

To Enhance Your Entry Via Instagram:

 

  1. Go to instagram.com and log into your Instagram account;
  2. Your Instagram account must be set to public;
  3. Post your savings goal and a photo or short video (max of 25 seconds) and include the “#ImSavingForSweepstakes hashtag.

 

To Enhance Your Entry Via Facebook:

 

  1. Go to facebook.com and log into your Facebook account;
  2. Then visit the America Saves (@AmericaSaves) page on Facebook at https://www.facebook.com/AmericaSaves; and
  3. Look for the Sweepstakes call to action (on the America Saves page) and then post your savings goal, photo or short video (max of 25 seconds) and include the “#ImSavingForSweepstakes hashtag.

 

To Enhance Your Entry To Enter via Twitter:

 

  1. Go to twitter.com and log into your Twitter account;
  2. Your Twitter account must be set to public;
  3. Tweet your savings goal, photo or short video (max of 25 seconds) and include the “#ImSavingForSweepstakes hashtag. Tweet is limited to no more than 280 characters (including spaces and symbols).

 

Usage of Instagram, Facebook or Twitter may require a mobile device and therefore you may be charged for standard data rates according to the terms and conditions in your agreement with your wireless carrier. You agree to incur any and all charges demanded by your wireless carrier. You should also check your device's features for capabilities and check the device manual for specific use instructions.

 

By enhancing your Entry, you agree that (1) your Enhanced Entry conforms to any terms of use/ platform guidelines, policies and content restrictions of Instagram, Facebook or Twitter (as applicable); and (2) conforms to the Guidelines and Content Restrictions below.

 

Guidelines and Content Restrictions

  • The Enhanced Entry must not contain material that violates or infringes another’s rights, including but not limited to privacy, publicity, copyright, trademark or other intellectual property rights;
  • The Enhanced Entry may only feature the Entrant and/or members of the Entrant’s immediate family (e.g., spouse, partner, children);
  • The Enhanced Entry must not disparage or embarrass Sponsor, their owners and employees, or any other person or party affiliated with the Promotion and administration of this Sweepstakes;
  • The Enhanced Entry must not feature brand names or trademarks of others;
  • The Enhanced Entry must not contain material that is inappropriate, indecent, obscene, hateful, tortious, defamatory, slanderous or libelous;
  • The Enhanced Entry must not contain any materials relating to lotteries, gambling, tobacco, alcohol or drugs, pornography, adult-oriented content or any other sexually explicit material;
  • The Enhanced Entry must not contain anything that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age; and
  • The Enhanced Entry must not contain material that is unlawful, in violation of or contrary to the laws or regulations in any jurisdiction where Enhanced Entry is created.

 

 

BY ENHANCING YOUR ENTRY, YOU ACKNOWLEDGE THAT YOUR ENHANCED ENTRY (INCLUDING YOUR USERNAME AND PROFILE PICTURE) MAY BE POSTED ON INSTAGRAM, FACEBOOK, TWITTER AND/OR SPONSOR’S PROPRIETARY WEBSITE, WHERE IT MAY BE VIEWED, SHARED (BY USERS OF INSTAGRAM, FACEBOOK, TWITTER AND VARIOUS OTHER INTERNET-BASED SITES) AND COMMENTED ON BY THE SPONSOR AND THE GENERAL PUBLIC.

 

By submitting an Entry or enhancing your Entry in this Promotion, Entrant agrees to comply with these Official Rules. Entries or Enhanced Entries that do not comply with these Official Rules and Guidelines and Content Restrictions above, as determined in Sponsor and/or Administrator’s sole discretion, will be disqualified from the Sweepstakes. Decisions of the Sponsor and/or Administrator are final and binding.

 

By entering this Promotion, each Entrant agrees to grant the Sponsor, subsidiaries, and affiliates and its agents and designees, the exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise the copyright, publicity, database rights and any other rights Entrant has in the Entry or the Enhanced Entry, and also the right and permission to edit, modify, cut, rearrange, add to, delete from, copy, reproduce, translate, dub, adapt, publish, exploit, and use the content of and elements embodied in the Entry or the Enhanced Entry, in any media now known or hereafter devised (including without limitation, the Internet), for advertising and promotional purposes without additional compensation, except where prohibited by law. Each Entrant hereby represents and warrants that he/she is the original author/creator of his/her Entry or Enhanced Entry and the Entry or Enhanced Entry will not infringe any third party's copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy. Sponsor's use of information submitted to Sponsor in connection with this Promotion will be subject to the terms and conditions of these Official Rules.

 

Each Entrant acknowledges that other Sweepstakes participants may have used ideas and/or concepts in their Entry or Enhanced Entry that may be similar in idea or concept to what is included in Entrant’s Entry or Enhanced Entry. Each Entrant understands and agrees that he/she shall not have any claim against any other Entrant or Sponsor arising out any such similarity or be entitled to any compensation because of any such similarity.

 

Proof of submission of Entry or Enhanced Entry does not constitute proof of receipt of Entry. All entries become the property of Sponsor and will not be returned to Entrants. Each Entry submission must be manually key stroked and manually entered by the individual Entrant; automated and/or repetitive electronic submission of entries (including but not limited to entries made using any script, macro, bot, or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked.

 

4) RANDOM DRAWING: A random drawing to select one (1) Potential Grand Prize winner from among all eligible entries received within the Sweepstakes Period will be conducted on or about March 16, 2020. Odds of winning a prize depend on the total number of eligible entries received. Potential Grand Prize winner is subject to eligibility verification and compliance with these Official Rules.

 

5) WINNER NOTIFICATIONS AND PRIZE FULFILLMENT: The potential Grand Prize winner will be notified within three (3) business days of the respective prize drawing by email at the email address provided at time of entry. The potential Grand Prize winner will be required to complete, sign, and return [1] an Affidavit of Eligibility and Liability Release and; where legal, a Publicity Release (collectively the “Affidavit”) and [2] an IRS Form W-9 to include his/her social security number that will be used only for the purpose of reporting the winner’s prize earnings to the Internal Revenue Service, as applicable. Complete documents must be returned to the Administrator by the date stated in the notification email/letter or the prize will be forfeited and awarded to an alternate potential Grand Prize winner. If the potential Grand Prize winner (i) cannot be contacted after a reasonable attempt has been made by Administrator (as determined in Sponsor’s sole discretion); or (ii) fails to timely return the required paperwork without alteration and in the form presented by Administrator; or (iii) refuses the prize; or (iv) the prize or prize notification is rejected or returned as undeliverable, then such potential Grand Prize winner will be disqualified and forfeits all rights to be deemed a winner in the Sweepstakes and receive the prize, and an alternate potential Grand Prize winner will be notified, time permitting. Upon prize forfeiture, no compensation will be given.

 

6) PRIZE: One (1) Grand Prize: $500 prize check. Retail Value (“RT”) of $500. Total RV of Grand Prize: $500. Should the Grand Prize be awarded to an Entrant who enhanced their Entry (as detailed in Section 3), the Total RV of the Grand Prize will be $750. The Enhanced Grand Prize will only be awarded to the Entrant who successfully shared his/her savings goal on Instagram, Facebook or Twitter. Total Maximum RV of Grand Prize: $750.

 

7) GENERAL: Except as determined by the Sponsor in its sole discretion, no substitution of prize or award shall be offered and no transfer of prize or award to a third party is permitted. All federal, state, and other tax liabilities arising from this Sweepstakes are the sole responsibility of prize winners. No more than the listed number of prizes and awards will be provided.

 

8) CONDUCT: By entering into this Sweepstakes, entrants agree to be bound by these Official Rules and the decisions of the Administrator and the Sponsor, which shall be final and binding in all respects and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. These Official Rules are accessible from https://americasaves.org/for-savers/pledge throughout the Sweepstakes Period. Failure to comply with these Official Rules may result in disqualification. The Sponsor reserves the right, at its sole discretion, to disqualify any individual: (a) suspected of tampering with the entry process or the operation of the Sweepstakes; (b) to be acting in any manner deemed by the Sponsor to be in violation of the Official Rules; (c) to be acting in any manner deemed by the Sponsor to constitute unsportsmanlike or disruptive behavior, or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY A USER OR ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

 

9) LIMITATIONS OF LIABILITY: The Promotion Parties assume no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty, failed, garbled or jumbled electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Sweepstakes; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers utilized in any aspect of the operation of the Sweepstakes; (d) inaccessibility or unavailability of the Internet or any combination thereof; or (e) any injury or damage to the participant’s or to any other person's computer which may be related to or resulting from any attempt to participate in the Sweepstakes or to download any materials from the Sweepstakes. If, for any reason, the Sweepstakes is not able to run through completion for reasons which may include, without limitation, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, then the Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes in whole or in part, without further liability to the entrants or third parties. In the event the Sweepstakes is cancelled, Sponsor reserves the right to conduct a random drawing to award prizes from among all eligible non-suspect entries received prior to the time of the action or event warranting such cancellation. With regard to this Sweepstakes, the Sponsor and/or Administrator will contact those entrants deemed as potential winners for purposes of clearance and awarding of any prize. The Official Rules prevail should there be any conflict or uncertainty relating to the promotion based on information or advice provided by any of the Released Entities (as defined below).

 

10) WINNER RELEASES: All Entrants, as a condition of entry into the Sweepstakes, agree to release Sponsor, its directors, officers, employees, subsidiaries and affiliated companies, suppliers, printers, application developers, advertisers, promotion agencies (collectively the “Released Entities”) from and against any and all liability, loss, claims, demands or actions of any kind whatsoever for injuries, damages, costs, or losses to persons or property which may be sustained in connection with: (a) accessing the Sweepstakes page; (b) submitting an Entry or otherwise participating in any aspect of the Sweepstakes; (c) the acceptance, receipt, ownership, use or misuse of any prize awarded; (d) preparing for, participating in, or traveling to and/or from any prize-related activity; or (e) any typographical or other error in these Official Rules or the announcement of the offering of any prize.

 

11) DISPUTES: The Sweepstakes is governed by the laws of the United States. All federal, state and local laws and regulations apply. The construction, validity and interpretation of the Promotion shall be governed by the laws of the District of Columbia, without giving effect to any choice of law or conflict of law rules. All disputes, claims and causes of action arising out of or related to the Sweepstakes shall be resolved in the applicable court within the District of Columbia.

 

12) WINNERS LIST: To receive a copy of the Winners List, available after May 31, 2019, send an email with subject line: "ImSavingFor" Winner’s List to This email address is being protected from spambots. You need JavaScript enabled to view it.. All such requests must be received by March 30, 2020. The winners list will only be available after the Grand Prize winner has been verified.

 

13) SPONSOR/ADMINISTRATOR: Sponsor: Consumer Federation of America, Attention America Saves, 1620 Eye Street, NW, Suite 200, Washington, DC 20006. Administrator: Marden-Kane, Inc., 575 Underhill Blvd., Suite 222, Syosset, NY 11791.

 

 

ÓCopyright 2020 Marden-Kane Inc. All rights reserved. Entrants are hereby authorized to copy these Official Rules on the condition that it will be for the Entrant’s personal use only.

 

 

Instagram is a registered trademark of Instagram, Inc. Facebook is a registered trademark of Facebook, Inc. Twitter is a registered trademark of Twitter, Inc. This promotion is in no way sponsored, endorsed, or administered by, or in association with Instagram, Facebook or Twitter. Entrants understand that you are providing your information to Sponsor, and not to Instagram, Facebook or Twitter. Any questions, comments or complaints regarding the Promotion are to be directed to Sponsor, at the address noted above, not Instagram, Facebook or Twitter.

 

Tip of the Day

  • Written by Katie Bryan | November 18, 2013

    Save for #presents rather than relying on #credit http://ow.ly/pV4nN

Saver Tips and Stories View all »

Inspired to Build Savings By Starting Small

Written by Great Lakes Michigan Saves | April 19, 2016

With little-to-no money in the bank and living on a limited income with her adult daughter, Sharon wasn’t sure if building up savings for her future was even possible. “At my age, to put debts behind me would be a relief,” she said, but she wasn’t quite sure how to even get started with a savings plan. That all changed when Sharon attended the Great Lakes Michigan Saves Pay Yourself First Saver’s Summit during America Saves Week.

Read more...

Developing a Savings "Game Plan"

Written by Katie Bryan | October 28, 2013

Eunice Diaz, a teacher in Colorado Springs, had been noticing a pattern. Despite the fact that she and her husband were “making good money,” they were spending their entire earnings and “were still struggling at the end of the month.”

Read more...

Starting and Continuing a Personal Finance Journey

Written by Sara Cooper | December 23, 2013

When Kiara Hardin, now a junior at Western Illinois University, became an intern with the Chicago Summer Business Institute during her sophomore year of high school, she began her personal finance journey. The program required participants to open a savings account.

Read more...