By submitting this form, you are giving $havon permission to send you an occasional newsletter with financial strategies, helpful tips and special offers. Your information will never be sold or shared with any third parties.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Jumpstart Your Financial Freedom with $havon's FREE 10-Step Action Plan

Mastering your budget and optimizing your expenses

Protecting your hard-earned money with smart saving
and simple financial techniques

Easy to implement, proven techniques to

Budget Like A BO$$

Effective budgeting is the cornerstone of financial success. With budgeting, you gain a clear understanding of your income and expenses, enabling you to make informed decisions about your money. It empowers you to set financial goals, prioritize your spending, and save for the future. By tracking your finances, you can identify areas where you can cut back and make adjustments to achieve a healthier financial outlook. Start budgeting today and pave the way towards financial freedom.

Helpful budgeting resources:

Credit Repair & Building

Having good credit is crucial for unlocking a world of financial opportunities. It opens doors to favorable interest rates, higher credit limits, and better loan terms. Whether you're looking to secure a mortgage, lease a car, find a good job, or obtain a credit card with competitive rewards, a strong credit score is your key to success.

Helpful credit repair & credit building resources: Free Credit Reports

Lexington Law: Credit Repair

Experian: Credit Education and Resources

Self: Credit Building

Credit Strong: Credit Building

Equifax: Credit Education and Resources

TransUnion: Credit Education and Resources

Resume Writing & Job Search

A well-crafted resume highlights your strengths and sets you apart from other candidates, increasing your chances of securing interviews. A great resume combined with consistent effort and follow-through in your job search can open doors to exciting opportunities, allowing you to connect with employers who recognize and appreciate your unique talents. Remember, finding a great job is not just about waiting for opportunities—it's about taking proactive steps, presenting yourself effectively, and showcasing your potential to employers.

Resources to help you land that amazing job:

Indeed: Resume Builder & Job Board

LiveCareer: Resume Templates and Examples

LinkedIn: Job Search and Networking

Brad J Resumes: Professional Done-For-You Resumes

Student Financial Aid & Student Loan Debt Relief

Navigating student financial aid and managing student loan debt can be overwhelming. Our free resources simplify the process, helping you understand your options and make informed decisions. Learn about scholarships, grants, and the Free Application for Federal Student Aid (FAFSA). We also provide guidance on repayment options, forgiveness programs, and tools to estimate your loan payments.

Student financial aid & loan debt relief resources:

Federal Student Aid: FAFSA Information

Fastweb: Scholarship Search Repayment Options Student Loan Planner

FHA Loan / Mortgage Assistance

Buying a home is a significant milestone, and our free resources can help you navigate the FHA loan process with confidence. Discover the benefits of FHA loans, understand eligibility requirements, and learn about the application and approval process. The following resources also cover tips for improving your credit score to increase your chances of mortgage approval.

FHA loan & mortgage assistance resources: FHA Loans

NACA: Homeownership Within Reach

Down Payment Resource: Down Payment Assistance Programs

Government Benefits / SNAP / Medicare

Accessing government benefits such as SNAP (Supplemental Nutrition Assistance Program) and understanding programs like Medicare are vital for financial stability and healthcare coverage. These programs provide crucial support to individuals and families in need. SNAP offers assistance with food costs, ensuring access to nutritious meals, while Medicare provides health insurance for eligible individuals, particularly seniors. Understanding the eligibility requirements and application processes for these government programs is essential to accessing the support you deserve. Our free resources provide comprehensive information on these programs, helping you navigate the application process, find local social services offices, and access the benefits and support you're entitled to.

Government benefits and assistance programs: Official Benefits Website

SNAP Benefits: Find Local Offices Official Medicare Website

Veterans Affairs: Benefits & Health Care

Social Security: Benefits & Medicare

Mental Health

Taking care of your mental health and well-being is essential during the financial recovery process. The challenges and emotional strain that can accompany financial difficulties are never easy to deal with. All too often people find themselves feeling hopeless. Rest assured, you can and will achieve anything you set your mind to. You may benefit by exploring these mental health resources to find support, coping strategies, and guidance to help you maintain balance, build resilience, and foster a positive mindset as you work towards financial recovery.

Helpful mental health resources:

National Suicide Prevention Lifeline: Helpline, Online Chat & Valuable

Mental Health America: Find Local Support & Treatment

National Alliance on Mental Illness: Support, Education & Advocacy

Latinx Therapy: Therapists & Speakers

Headspace: Guided Meditation, Sleep Aids, Mindfulness & Stress Relief

Therapinay: Filipino/a/x Therapists & Healers

Crisis Text Line: Support & Guidance

Psychology Today: Essential Reads

Therapy Den: Directory & Resources

Miscellaneous Resources

From time to time we come across other resources that may be able to benefit you. When we do, we’ll add them to this section.

Other helpful resources:

Mass Mutual: Free Life Insurance Program Unclaimed Property Search FREE Will