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Your Money, Your Goals: Financial Empowerment for Adults

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Money Smart Older Adults: Information on scams and current financial empowerment

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Financial Literacy for Youth: A comprehensive workshop to prepare youth for success with money!

Financial Management Programs

The Financial Management Education program helps individuals and families improve their economic well-being by providing Family Budget Education Programs and Financial Literacy for Youth (FLY).

These educational services, events and resources are provided throughout Dutchess County at fee-for-service rates. Please utilize the contact information below for more information!

General Information Resources and Links:

These resources are updated on an ongoing basis to provide you with current information. 


  • Know before you Owe: Paying for College 
  • How to get a Degree without Debt
  • Buy Now, Pay Later: The Cost Of Instant Gratification 
  • How to make a budget after college
  • What’s FASFA? The FAFSA is the Free Application for Federal Student Aid.
  • NYS Attorney General: Consumer Smarts: Promoting Consumer and Financial Literacy for Young Adults 
  • Business Ideas For Teens: How To Start Your Own Business + 12 Business Ideas Entrepreneurship

  • Adults

  • Using a credit card 
  • Warning Signs of Identity Theft
  • Order your Credit Report annually as authorized by federal law. (This link is free) 
  • Are you struggling with unmanageable debt? RethinkingDebt can help today! 
  • Protect your personal information. Reduce your risk of identity theft. 
  • Tips for donating to charity. 
  • Don’t fall for mortgage relief scams!
  • Are you saving enough? 
  • NYS Attorney General: Tips on Investing
  • Cryptocurrency 101
  • CCE Energy Advisors can help lower your energy costs!

  • Seniors

  • Long-Term Care Cost Calculator
  • AARP information: scams and fraud 
  • AARP Your Ultimate Guide to Financial Advisers 
  • Dutchess County Office for the Aging: Scam Prevention Resources

  • Highlighted Web Resources

    Financial Security for Tough Times is a series of web pages on Extension.org that detail positive money management techniques which help families dealing with economic hardship.

    The Consumer Financial Protection Bureau's (CFPB) mission is to make markets for consumer financial products and services work for Americans - whether they are applying for a mortgage , choosing among credit cards, or using any number of other consumer financial products. The CFPB offers consumers information and guidance, and a place where they can file formal complaints against financial service providers and products.

    The Attorney General of New York State offers a wide variety of information on consumer issues such as used car buying tips, credit and debt management strategies, and things to know before signing oil and gas leases.

    Attorney General of New York State also offers a tenants rights guide in multiple languages to help renters understand New York State renter’s right and regulations.

    My Benefits offers a pre-screening tool to help New York State citizens determine if they may be eligible for certain benefits, such as food stamps.

    New York Makes Work Pay provides information on entering or re-entering the workforce for persons with disabilities

    The New York State Division of Consumer Protection takes consumer complaints 24 hours a day and offers information on scams, ID theft, product recalls, and more.

    The Financial Literacy and Education Commission's comprehensive website is designed to teach all Americans the basics of financial education. Popular topics include planning for retirement, dealing with mortgages, and managing credit and debt.

    The Federal Reserve Board's Consumer Information Page explains credit reports and scores and offers a credit card payoff calculator and other financial tools.

    20 Money Lessons for Children as They Grow is a site from the President's Advisory Council on Financial Capability. This site offers a poster and suggested activities for each age group identified.

    Tips for Protecting Your Privacy and Identity and Recovering From Identity Theft is a website provided by the United States Federal Trade Commission

    The American Association of Retired Persons (AARP’s) website -- www.aarp.org -- is a treasure trove of information geared to Americans 50 years and above. Founded in 1958, it’s the second largest not for profit organization in the country with over 38 million members. It’s dedicated to ensuring/advocating proper housing, health care and financial security for all, especially older Americans. While their website promotes the benefits of becoming a member, it does contain much valuable information and many resources non-members can partake of in the areas of disrupting aging, aging-in-place community building, family caregiving, social security & Medicare, work & jobs and much more, including a cadre of free online classes and news articles on a variety of timely consumer topics such as lowering health care and food costs.

    Additional resources from the Federal and State level, along with financial resources from other state Extensions can be found here.


    Heather Ohlson
    Educator; Family & Consumer Education Program/ Marketing & Communication
    845-677-8223 x156

    Last updated May 22, 2024