Financial Resources
Below you will find resources to help with financial issues such as money and debt management, personal or family budgeting, and financial aid.
Financial Resources
Below you will find resources to help with financial issues such as money and debt management, personal or family budgeting, and financial aid.
The UVA Faculty and Employee Assistance Program contracts with an outside firm to provide employees a free, 30 minute consultation with a financial counselor on a variety of financial issues. Consultation topics include, but are not limited to:
All UVA employees and their immediate family members.
Contact FEAP for a referral to the financial counseling service: 434.243.2643
UVA FEAP WebsiteIts easy to spend too much if you don't know how much money you have or how much you have spent. Developing a budget lets you
By downloading our budget template and following the instructions below, you will be on your way toward making educated decisions about how you spend your money. Planning in advance will enable you to be thoughtful and smart about how you spend, and can identify areas where you might want to cut back on spending or where you can save some money.
As important as this is, it can be hard or confusing. If you would like some personal help, contact Stuart Munson at scm5rw@virginia.edu or 434.243.2672; he will be happy to help you!
Step 1 – Click on the Make A Budget form
You can fill this out on the computer or print it out and fill it in with a pencil.
Step 2 – Complete the My income this month section
Completing this section will tell you how much money you have to spend
Step 3 – Complete the Housing Expenses section
Completing this section will tell you how much you need to spend each month on where you live
Step 4 – Complete the Food section
All the money you spend in a month on food of any kind as well as cigarettes, etc.
Step 5 – Complete the Transportation section
Step 6 – Complete the Health section
Step 7 – Complete the Personal and Family section
Step 8 – Complete the Finance section
All the money you spend managing money goes in in this section
Step 9 – Complete the Other section
this is where any other money you spend regularly goes that does not fit in anywhere above
Step 10 – Add up all the numbers below where it says “My expenses this month” and put that total in the white box across from “Total monthly expenses”. Also put that number in the white box below it above the word “Expenses”
Step 11 - Seeing how you are doing
Take the number across from where it says “Total monthly income” at the top of the form and put the same number in the white box at the bottom of the form above where it says “Income”. Now take away/subtract the Expenses number from the Income number.
If you would like free help doing any of these things, or help improving your credit or paying off debt, contact Stuart Munson, who will be happy to help you! Scm5rw@virginia.edu or call 434.243.2672
"Make a Budget" TemplateUVA Community Credit Union offers a number of services to help with money management, including:
Education Library
A resource for online education materials, including the Home & Family Finance Resource Center and It's a Money Thing program!
Guide to Balancing Your Checkbook
Sooner or later, anyone having a share draft/checking account learns that an essential part of managing a checkbook is balancing it. This is an easy task if kept up-to-date, but a nightmare if not.
Steps to Creating a Budget
Budget Blueprint encourages consumers to develop their own spending plans. This easy-to-use budget work sheet will help you see where your money is going and will help you adjust your spending where needed. The new online format allows you to input expenses and income while listing individual savings goals. It's a quick way to see where you are financially and plan for where you want to be.
Debt Reduction Strategies
Review a list of articles, calculators, videos, and news to learn more about debt reduction strategies.
Effective Strategies for Saving
Review a list of articles, calculators, and news on effective strategies for saving and investing.
Personal Financial Manager
Central Finance is a personal financial management tool designed to allow users of UVA Community Credit Union Online Banking to manage financial accounts including checking, savings, credit cards, loans, and investments attached to multiple financial institutions all in the convenience of one safe and secure online site.
Anyone who lives, works or attends school in the greater Charlottesville area may join.
Phone: 434.964.2001
Or visit the website below for branch locations
UVA Community Credit Union WebsitePiedmont Housing Alliance counselors can help you in planning out your monthly and yearly income, expenses and savings.
They can also help you understand what is in your credit report. You need to bring a copy of your report from www.annualcreditreport.com to your first appointment or a report and FICO scores can be pulled for you for a fee of $25 per report.
Without any expense to you, a counselor can also help you understand how to build credit.
Fill out and submit the intake form and a counselor will contact you to get started.
Or call: 434.817.2436
Piedmont Housing Alliance Personal Finance ResourcesHere are helpful articles from the Federal Trade Commission Consumer Information (FTCCI) that may offer assistance:
UVA Community Credit Union offers products and services to help you meet your investment goals. Through Member Wealth Management, a full-service financial advisory program located at UVA Community Credit Union, members are provided with financial management services at no cost or obligation.
Phone: 434.964.2001
Or check the website below for branch locations
UVA Community Credit Union WebsiteUVA Health System Patient Financial Services can help you find financial aid to cover your medical expenses, such as through UVA Financial Aid or the UVA Discount Program. Financial aid services are free.
Eligibility requirements include:
You do not have health insurance or workers’ compensation
You are not negotiating a personal injury settlement with a third party that pertains to the reason you were seen
You do not qualify for any other financial assistance program
Phone: 434.924.8718 or 866.320.9659
Email financialassistance@virginia.edu
UVA Health System Patient Financial Services WebsiteAlliance for Interfaith Ministries (AIM) helps qualified clients stay in their homes and avoid eviction. AIM provides case management to ensure clients receive the wrap-around services necessary to support them through their crisis.
The following criteria must be fulfilled in order to receive AIM Assistance:
To apply for AIM emergency assistance, please fill out the form below and you will be called to discuss your application:
AIM WebsiteThe Temporary Assistance for Needy Families (TANF) program provides eligible families with a monthly cash payment to meet their basic needs. The exact amount provided monthly depends on income.
To be eligible for this program, the child must be:
Virginia's TANF program emphasize personal responsibility. Participants may be provided with services such as job skills training, work experience, job readiness training, child care assistance, transportation, and other work related expenses.
You can apply for TANF and other State of Virginia benefits on the CommonHelp website
or
in person at 1600 Fifth St, Charlottesville where someone can help you fill in the forms.
TANF Information WebsiteThe City of Charlottesville is providing grants to help lower and middle income homeowners with paying their property taxes. Homeowners who are behind on their property taxes, or who need help with their taxes, may be able to receive grants of $375 or $525 depending on applicant income.
The funds provided will be applied to the December property tax bill of qualified Charlottesville homeowners once their application is approved by the City.
Among eligibility requirements include:
Call 434.970.3333
Property Tax Assistance WebsiteHere are local resources available to assist in preparing taxes.
UVA Community Credit Union offers free, non-itemized tax return preparation for households earning less than $55,000 in 2018.
These services include:
Preparing basic returns, including those with Health Savings Accounts (HSAs) or Marketplace Insurance Certificates (form 1095-A)*
"Drop off" appointments so there is no need to sit and wait while a return is prepared
Free, non-itemized tax return preparation is for households earning less than $55,000 in 2018.
To be eligible for free VITA tax preparation service, in addition to the household income restrictions, your tax return cannot include the following:
Phone: 434-964-2001, option 5
UVA Community Credit Union Tax Preparation WebsiteCville Tax Aid provides free tax preparation assistance and promotes the use of the Earned Income Tax Credit (EITC) and other credits for eligible taxpayers.
Free tax preparation assistance for the 2019 tax season will be available January 28-April 15, 2019 through Cville Tax Aid. There will be eleven tax sites operated by the coalition in Charlottesville and Albemarle, Greene, Fluvanna, Louisa and Nelson counties. Make sure you have everything you need to file your 2018 federal income tax return by using our resources.
Households making less than $55,000 a year qualify for free tax filing with an IRS-certified tax preparer.
Phone: 434.972.1703
United Way Tax Assistance Website