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
to the CAFE Hub.
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.
High-Cost Financial ServicesTake the Lesson
Register for the Financial Empowerment Hub
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 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
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
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 is a non-profit that offers comprehensive financial counseling and education services to help individuals achieve financial independence.