Community Action Financial Empowerment
Finances can be confusing. Let us guide you on an all-inclusive and personalized journey to financial success.
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Family

Benefits

The Journey

The Journey

Financial Counselor

Financial Counselor
One of the benefits of starting your journey to financial wellness with the CAFE Hub is that you will not do it alone. The CAFE Hub provides you with a financial counselor. The financial counselor will provide a positive experience throughout each step toward your financial empowerment through personalized support and answering your financial and CAFE Hub-related questions. At the end of your financial literacy courses, the counselor will assist you with ongoing budgeting and advising you of new opportunities based on your financial health.

Get Started Today

Click on the icons for an informational video about each step, then click on the link to start your journey.
Step 2-4 will not be available to you until you sign in to the CAFE Hub.

Step 2: Complete the Balance Track course through Balance Pro
Step 2
Step 2: Complete the Balance Track course through Balance Pro
The next step in your journey is to improve your financial knowledge with Balance Pro and its industry-leading financial education resources. Follow the lesson plan on this website to receive an overview of all the financial knowledge you need for a stable financial future. Click here, then create an account at Balance to begin. If you have trouble accessing the site, registering for access, or completing the lessons, your CAFE Hub Private Banker can help you. Once you have completed the course, move on to steps 3 and 4!
Step 3: Join 1st Bergen and take advantage of low-cost community banking
Step 3
Step 3: Join 1st Bergen and take advantage of low-cost community banking
Congratulations on completing the course! You are now eligible for membership at 1st Bergen Federal Credit Union. 1st Bergen offers savings and checking accounts with no monthly fee, a VISA debit card, online and mobile banking, and more. Click here to apply for membership at 1st Bergen. If you are already a member, your private banker will mark this step as completed.
Step 4: Continue your journey with a Financial Counselor
Step 4
Step 4: Continue your journey with a Financial Counselor
It is now time to put your new financial knowledge to use in your journey of financial empowerment. The next phase of your CAFE Hub journey is to sign up for a coaching session with your CAFE Hub Financial Counselor. If you meet income eligibility requirements, your counselor will meet with you for six months and guide you towards improving your credit, building your savings, reducing your debt, and taking control of your financial future. Plus, you may be eligible for financial incentives, debt assistance, and services from our partner nonprofit organizations. Click here to learn more and register for an initial coaching session.

CAFE Hub Lesson Plan

These Balance Track courses were chosen to build your financial know-how. Courses you have started will appear in yellow, and completed courses will appear in green once confirmed by an admin.

1. High-Cost Financial Services (1 hour)

2. The Psychology Of Spending (1 hour)

3. Drive Away Happy! (2 hours)

4. Credit Matters (1.5 hours)

5. The World Of Credit Reports (1 hour)

6. Money Management (1 hour)

7. Checking Account Management (1 hour)

8. Rebuilding After A Financial Crisis (1 hour)

9. Financial First Aid (1 hour)

10. Identity Theft (1 hour)

High-Cost Financial Services (1 hour)

While there are many excellent financial products available that can help you achieve your goals, there are a few loans, lines of credit, and services to avoid because of their expensive fees and problematic terms.

Take the Lesson
Take the First Step
Sign up for your CAFE Hub journey today
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More Financial Empowerment
Additional Resources for your Continued Financial Empowerment Journey

Register for the Financial Empowerment Hub

Step 1

Partners

Greater Bergen Community Action Inc.

Greater Bergen Community Action Inc.

GBCA is a progressive non-profit organization working throughout New Jersey to build more sustainable families, community institutions, and neighborhoods.

1st Bergen Federal Credit Union

1st Bergen Federal Credit Union

1st Bergen Federal Credit Union is a non-profit financial institution that aims to empower financially underserved individuals and families to make them self-sufficient and secure a brighter future.

Community Action Partnership of New Jersey

Community Action Partnership of New Jersey

CAP NJ is a nonprofit organization that supports the Community Services Block Grant-eligible Community Action Agency Network in New Jersey the goal of reducing poverty, promoting self-sufficiency and building stronger communities.

Department of Community Affairs

Department of Community Affairs

The New Jersey DCA is a state agency created to provide administrative guidance, financial support and technical assistance to local governments, community development organizations, businesses and individuals to improve the quality of life in New Jersey.

Balance Pro

Balance Pro

Balance Pro is a non-profit that offers comprehensive financial counseling and education services to help individuals achieve financial independence.

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