Key Services – Money

Money Management

  • Not paying bills on time?
  • Unable to balance checkbook?
  • Not able to account for your spending?
  • Having difficulty budgeting your money so that there is enough to last you to the end of the month to pay for: food, shelter, transportation or medical care?

The following options are not endorsed by our office, but simply optons for you to consider in your attempts to manage your personal finances.

Option #1: Understanding Your Checking Account: (a) here is an on-line tutorial that takes you through the steps of using a checking account http://ww.aboutchecking.com; (b) here is some good information to be aware of in setting up a checking account at the Consumer @ction website.

Option #2: there is an on-line course on Money Management to assist you to manage your money by yourself. It teaches you about some basic principles and provides you with the opportunity to develop skills to better manage your money. Visit the Money 2000 Programwebsite. “Take Charge of Your Money” provides instructions for watching the eight televised 55 minute presentations. A schedule of the 2005 program is also provided. From their on-line resources you can also link to “Money Ed” an on-line project which you can access from your internet connected computer, to improve your financial well-being.

Option #3: If you cannot afford to pay for money management assistance and would appreciate some helpful tips, here’s a great comprehensive website at Changing Your Life Through Better Money Management. There are alot of resources here but you need to click to other pages in this “deep” site to get at it, so don’t give up because you don’t find what you are looking for on the first few pages. If you don’t have the patience, check out theworksheets/tips section as I found it very informative and useful. You can also work with a friend to assist you to get what you need from this site.

Option #4: surfing the internet, you will find tools or aides to assist you to manage your own money by yourself. We have listed some of them below:

  • Budget Calculator – a basic budget calculator tool
  • Real Hourly Wage Calculator – your “real” hourly wage
  • Choose To Save: a website with various financial calculators
  • BetterBudgeting.com – budgeting tips and calculator tools
  • The Budget Map System – a budget system linked to your checkbook. Think this out carefully and talk to people you trust before you decide to purchase it.

Option #5: When people with disabilities need help managing their budget and are not able to learn or use budgeting skills, consider appointing a “representative payee” to help you manage your benefits. This means that your representative payee will be receiving your benefits check and he or she is to take responsibility to make sure that this money is being spent for your benefit and well-being.

Generally, balancing your personal budget means your income (i.e. your benefits check) goes to pay for fixed spending items and the rest of the money can be use by you for spending on discretionary items (based on your preferences or wishes) or put into your savings account (for future use). The following is a sample:

Income

  • Benefit Checks
  • Insurance Checks
  • Wages
  • Financial Assistance Checks
  • Savings Account
  • Cash on Hand
  • Trusts
  • Pension/Retirement Plan

 

 

Fixed Spending

  • Housing/Rent/Morgage
  • Utilities
  • Loans
  • Back taxes
  • Legal debts,/Bills
  • Medical debts/Bills
  • Insurance payments/Bills
  • Child Care Expenses
  • Fares/Gasoline/Car payments
  • Food for subsistance & health
  • Personal Hygiene Supplies

 

 

Savings

  • Reasonable yielding, yet secure savings

 

 

 

Who can be your Representative Payee?

    • A willing family member or trusted friend: you should think of someone whom you trust, who knows your situation, who knows what is important to you and who has the organizational and financial skills to manage your money. This individual may volunteer to do this service for you free of charge or may do so for a fee.
    • If you cannot find a willing trusted family member or friend to be your representative payee, the following are lists of possible representative payee providers or debt consultants in your communities you might consider contacting:

      Oahu

Organizations
Notes

Legal Aid Society of Hawaii
924 Bethel Street
Honolulu, HI. 96813
Telephone: (808) 536-4302
Fax: (808) 527-8088

Legal Aid Society of Hawaii
47-200 Waihee Road, #104
Kaneohe, HI. 96744
Telephone: (808) 536-4302

Legal Aid Society of Hawaii
85-670 Farrington Highway
Waianae, HI. 96792
Telephone: (808) 536-4302

Provides representation by attorney or paralegals. Claimants must meet income eligibility requirements.

Call or walk-in to Honolulu Office during normal Intake hours. Be prepared to provide information about your legal problem, income, assets and no. of people in your household. If not a U.S. citizen, provide proof or legal residency.

Hawaii State Bar Association
1132 Bishop Street, Suite 906
Honolulu, HI. 96813
Telephone: (808) 537-9140
– Lawline (pre-recorded messages on different topics 528-5297; 1-800-382-5297-neighbor islands) 
– Legal Line Neighborhood Clinics (free legal services & referrals on 1st Saturday in May on Oahu, Maui, Kauai, Hilo & Kona) 
– Legal Line Hotline
 (free advise, every wednesday evening, 6 – 7 pm.; 537-1868; 1-888-609-5463 -neighbor islands)

Refers claimants to private attorneys. Some attorneys may not charge a fee unless case is allowed.
Hawaii Disability Rights Center
900 Fort Street Mall, Suite 1040
Honolulu, HI. 96813
Telephone: (808) 949-2922; 1-800-882-1057
Protects the rights of people with disabilities.

Some Other Oahu Providers

Comfort, Security, Independence Inc. (CSI, Inc.) 49 South Hotel Street, # 310
Honolulu, HI.
Telephone: (808) 538-0353
Money management services for elderly and disabled. Provides services on Oahu for a fee; inquire about neighbor island services.

Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
1164 
Bishop Street, Suite 1614
Honolulu, HI. 96813
Telephone: (808) 532-3225
Fax: (808) 532-5611

A non-profit organization offering debt counseling to families and individuals; a debt repayment plan can be worked out between your creditors and you.
Legal Assistance for Older Adults (Dept. of Health’s Executive Office on Aging)
250 South King Street, Suite 109, Honolulu, HI. 96813
Telephone: (808) 586-0100
Coordinator of the aging network legal assistance providers for older adults in Hawaii. Designated legal services to persons age 60 and older for certain civil cases. There are no fees for these services. Inquire about providers.
University of Hawaii
Elder Law Program
2515 Dole Street
Honolulu, HI. 96822
Telephone: 956-6544
Aging network legal assistance provider for older adults.
Volunteer Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
Telephone: (808) 528-7046
Toll free: 1-800-839-5200.
Offers “free” Consumer Credit Clinics with basic information about debt, credit and other options to help people with excessive debts in order to avoid financial troubles, budget their money and live within their means.
Na Loio No Na Kanaka (immigration issues)
810 North Vineyard Blvd.
Honolulu, HI.
Telephone: (808) 847-8828
Aging network legal assistance provider for older adults.
Neighborhood Justice Center
200 North Vineyard Blvd., Suite 320
Honolulu, HI. 96813
Telephone: (808) 521-6767
Aging network legal assistance provider for older adults.
Institute for Human Services, Inc.
546 Ka`aahi Street
Honolulu, HI. 96817
Telephone: (808) 845-7150
E-mail: info@IHS-hawaii.org
Provides financial counseling through its case management services for the homeless or those “coming off the streets”.
Salvation Army
2950 Manoa Road
Honolulu, HI. 96822
Telephone: (808) 988-2136
Fax: (808) 988-1508
E-mail: hi_info@usw.sarmy.org
The “Hana Pono`i – Striving Towards Self-Sufficiency” seminars are for people who are in need of basic nutrition and budget counseling. Budgeting strategies, menu planning, and goal setting are some of the many topics covered in this simple, but useful three-hour course. Sessions are held at least twice a week. Call their office for more information – (808) 845-2544.

Kauai

Legal Aid Society of Hawaii
3359 Kuhio Highway
Lihue, Hi.
Telephone: 245-4728
Provides representation by attorney or paralegals. Claimants must meet income eligibility requirements.
Hawaii Disability Rights Center
3905 Hunakai, Lihue, HI.
Telephone: 246-2576
1-800-882-1057
Fax: 949-2928
Protects the rights of people with disabilities.

Some Other Kauai Providers

Seniors Law Center
4268-K Rice Street
Lihue, HI 96766
Telephone: (808) 246-0573
Part of the aging network legal assistance providers for older adults.
Volunteer Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200
Offers “free” Consumer Credit Clinics with basic information about debt, credit and other options to help people with excessive debts in order to avoid financial troubles, budget their money and live within their means.

The Salvation Army
Lihue & Koloa Corps
4182 Hardy, Lihue, HI. 96766
Telephone: (808) 245-2571
Fax: (808) 245-8501

Hanapepe Corps
4465 Puolo Road, Hanapepe, HI. 96716
( 808) 335-5441
Fax: (808) 335-0307

Inquire if parts of the “Hana Pono`i – Striving Towards Self-Sufficiency” seminars are available. These seminars are for people who are in need of basic nutrition and budget counseling. Budgeting strategies, menu planning, and goal setting are some of the many topics covered in this simple, but useful course.
Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
1164 Bishop Street, Suite 1614
Honolulu, HI. 96813
Toll free: 1-800-801-5999
A non-profit organization offering debt counseling to families and individuals; a debt repayment plan can be worked out between your creditors and you.

MauiMolokai Lanai

Legal Aid Society of Hawaii
2287 Main Street
Wailuku, Hi.
Telephone: 244-3731
Provides representation by attorney or paralegals. Claimants must meet income eligibility requirements.

Some Other Maui, Molokai & Lanai Providers

Maui Economic Opportunity, Inc.
P.O. Box 2122
Kahului, HI. 96732
Telephone: (808) 877-0626
Aging network legal assistance provider for older adults.
Volunteer Legal Services Hawaii
1040 Richards Street, Suite 301 Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200
Offers “free” Consumer Credit Clinics with basic information about debt, credit and other options to help people with excessive debts in order to avoid financial troubles, budget their money and live within their means.

The Salvation Army, Kahului Corps
45 W. Kamehameha Avenue, Kahului, HI.
Telephone: ((808) 871-6270
Fax: (808) 871-4048

The Salvation Army, Lahaina Corps
131 Shaw
Telephone: (808) 661-5335

Molokai Outpost:
100 Kalae Highway
Telephone: (808) 567-9474

Inquire if parts of the “Hana Pono`i – Striving Towards Self-Sufficiency” seminars are available. These seminars are for people who are in need of basic nutrition and budget counseling. Budgeting strategies, menu planning, and goal setting are some of the many topics covered in this simple, but useful course.
Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
J. Walter Cameron Center
95 Mahalani Street, Suite 6
Wailuku , HI. 96793
Maui Telephone: (808) 242-8399
A non-profit organization offering debt counseling to families and individuals; a debt repayment plan can be worked out between your creditors and you.

Island of Hawaii

Hawaii Disability Rights Centers:
Kona, HI. 
Telephone: 334-0630

Honokaa., HI.
Telephone: 775-1707

Toll free Dial 1-800-882-1057

Protects the rights of people with disabilities.

Legal Aid Society of Hawaii
305 Wailuku Drive
Hilo, HI.
Telephone: 961-2851 ext. 104
Fax: 969-3983

Legal Aid Society of Hawaii
75-5656 Kuakini Highway,
Suite 202
Kailua-Kona, HI.
Telephone: 329-3910 ext. 22
Fax: 334-9650

Provides representation by attorney or paralegals. Claimants must meet income eligibility requirements.
Volunteer Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200
Offers “free” Consumer Credit Clinics with basic information about debt, credit and other options to help people with excessive debts in order to avoid financial troubles, budget their money and live within their means.

Some Other “Big Island” Providers

Office for Social Ministry
Hawaii Island Catholic Social Ministry
1408 Holomua St.,Hilo, HI.
Telephone: 935-3050
Representative payee services for those who are homeless or in transitional housing.
Volunteer Legal Services Hawaii
1040 Richards Street, Suite 301
Honolulu, HI. 96813
(provides neighbor island clinics)
Toll free: 1-800-839-5200
Offers “free” Consumer Credit Clinics with basic information about debt, credit and other options to help people with excessive debts in order to avoid financial troubles, budget their money and live within their means.
The Salvation Army
219 Ponahawai, Hilo, HI.
Telephone: (808) 935-1277
Fax: (808) 961-3071
Inquire if parts of the “Hana Pono`i – Striving Towards Self-Sufficiency” seminars are available. These seminars are for people who are in need of basic nutrition and budget counseling. Budgeting strategies, menu planning, and goal setting are some of the many topics covered in this simple, but useful course.
Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
American Savings Building
100 Pauahi Street, Suite 205
Hilo, HI. 96720
Hilo Telephone: (808) 969-7136
A non-profit organization offering debt counseling to families and individuals; a debt repayment plan can be worked out between your creditors and you.

Option #6: For the “technical minded”, there are “free” software programs you might want to download off the internet, to help you budget your money and perform other financial related services for yourself. These programs don’t do the bookeeping for you, you must insert the data yourself and continuously update your records. If anything, these programs help you stay “on top” of your finanical situation.

Check the specifications as to whether the software is compatible with your computer and whether your computer has enough power and memory to run the program.

Some free Software Website Address
“AceMoney Lite” version 3.7: is a free personal-finance manager. It helps to organize and manage personal finances quickly and easily. It supports all features required for home or even small-business accounting needs including tracking your spending habits and seeing where the money goes, creating and managing budgets, doing online banking, doing financial math analysis in multiple currencies, protecting passwords, scheduling backups, monitoring 401(k)s and stocks, and performing many other functions without the user needing any experience in accounting.

http://www.download.com/3000-2057-10208687.html

There are various website offering free software. This is one of the more reputable sites:

Make sure the software is free and not being provided on a “trial basis”. Be aware that software available on a “trial basis” means you will be billed for the software after the specified trial period has ended. It is very easy to forget about the due date and find yourself being billed for the item! So before downloading trial software, find out from the website how you will be notifying the company and when you will be notifying them — if you decide not to purchase the software just in case you decide you don’t want it. Do not assume that by simply “deleting” it from your computer, you are free of that responsibility.

Before purchasing any software, ask other users with disabilities about their experiences with it as well as contact “techies” you know as to the program’s advantages and disadvantages.

Option #7: if interactive on-line services (Option #1) don’t work well for you and you need that “one-on-one personal touch” of an instructor, there may be community organizations or businesses that offer training in money management:

Oahu

Catholic Charities Elderly Services, 2745 Pali Highway,Honolulu, HI 96817 Phone 808-595-0077 ext. 101 Fax 808-595-0811 Provides money management training to those age 55 and older. The cost of the training is on a sliding fee schedule and services are currently only provided on Oahu. Check if there is a waiting list.

Oahu and Neighbor Islands

Oahu
Consumer Credit Consulting Services of Hawaii (CCCS Inc.)
1164 Bishop Street, Suite 1614
Honolulu, HI. 96813 Telephone: (808) 532-3225 Fax: (808) 532-5611

Maui
Consumer Credit Consulting Services of Hawaii (CCS Inc.)
J. Walter Cameron Center
95 Mahalani St., Suite 6
Wailuku, HI. 967893
Telephone: (808) 242-8399

Hilo
Consumer Credit Consulting Services (CCS Inc.)
American Savings Building
100 Pauahi Street, Suite #205
Hilo, HI. 96720
Telephone: (808) 969-7136

Other Islands
Consumer Credit Consulting Services (CCS Inc.)
Call toll free: 1800-801-5999

(The Armed Services also offer Check Balancing Classes for our service men and women).

A non-profit organization offering educational sessions on money management.

Back to Top