Money Basics

Discover our free workshops and resources to help you build money skills, and work toward lasting financial freedom.

Partner organizations can schedule large-group workshops

Workshop

Understanding taxes – The basics

Learn how to file your taxes with confidence. We’ll cover when and how to file, common forms like W-2s and 1099s, and how to claim deductions and credits. You’ll also learn why filing matters and how to avoid penalties.

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Workshop

Budgeting


Take control of your money. This workshop shows you how to track spending, set goals, and balance fixed and flexible expenses. You’ll also try a simple budgeting exercise to spot ways to save.

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Workshop

Taxes made simple
for gig workers

If you freelance or work for yourself, this workshop is for you. Learn the difference between being an employee and an independent contractor, what self-employment tax means, and how to track expenses and prepare for tax time.

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Workshop

Credit scores


This workshop explores the good, the bad, and the ugly aspects of credit. We discuss how credit scores are comprised, including how to be smart with credit, common credit mistakes, the necessity of a good credit score, and how credit can be an advantage when maintained responsibly.

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Workshop

ITIN application 
and renewal

This workshop will include information on understanding what an ITIN number is and why it is used. It also covers the supporting documentation needed and the benefits of using a certifying acceptance agent (CAA).

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Contact us

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Any questions? Please contact us.

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Extra resources

Our top recommended resources to help you finance your education.

Struggling financially?

211 Metro Chicago is a free online resource that can help you find local assistance with food, housing, health care, and more.
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IRS: Where’s My Refund?

Check the status of your federal tax refund quickly and easily with the IRS “Where’s My Refund?” tool.
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IDOR: Where’s My Refund?

Track your state tax refund from Illinois using the official “Where’s My Refund?” tool and find out when you’ll get your money back.

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FAQS

Budgeting helps you understand where your money is going, stay in control of your spending, and make informed financial decisions. A good budget ensures you can cover essentials, reduce debt, plan for goals, and build long-term financial stability.

Start by listing your monthly income and expenses. Separate your expenses into fixed (like rent) and variable (like groceries). Assign realistic spending limits, track your transactions, and adjust your budget as needed. Using apps or spreadsheets can make the process easier.

Set clear financial goals, create a savings plan, and automate deposits into a savings or investment account. Build an emergency fund first, then focus on long-term goals such as retirement or major purchases. Even small, consistent contributions can grow significantly over time.

Self-employed individuals generally pay income tax and self-employment tax, which covers Social Security and Medicare. You may also need to pay estimated quarterly taxes and meet state or local tax requirements depending on your location and business structure.

Most individuals and self-employed workers must file their federal tax return by April 15 each year, unless the date changes due to weekends or holidays. Quarterly estimated tax payments are typically due in April, June, September, and January.

Our team is happy to help you create a payment plan. You can also pay online, by check, or set up your own payment plan. If you owe taxes, be sure to file on time to avoid late filing fees even if you can’t pay the full amount right away.