Strategies

Offer debt advice from trained providers to tenants with unpaid, overdue rent to help repay debt and increase financial literacy

Provide education on basic budgeting, bank use, credit management, bankruptcy, credit building and counseling, homeownership, retirement, divorce, etc.

Support subsidized asset accumulation programs in which deposits by participants with low and moderate incomes are matched by program sponsors; withdrawals must be used for qualified expenses to retain matching funds

Establish locally mandated wages that are higher than state or federal minimum wage levels

Support programs that provide matched dollar incentives for low or moderate income individuals to place some or all of their tax refund in a savings account

Increase the lowest hourly, daily, or monthly compensation that employers may legally pay to workers

Provided work supports for low income individuals and families (e.g., job search assistance, transitional jobs, subsidized child care, health insurance, etc.); participants worked at least 30 hours/week

Regulate short-term loans that must be repaid by a borrower’s next pay day via bans, caps on maximum interest rates and loan amounts, or require minimum loan terms and credit cost

Teach students personal and social skills to avoid tobacco use; led by teachers, health educators, or students in elementary schools, middle schools, or high schools

Use counseling, informational materials, etc. to inform smokers and non-smokers of the harms of secondhand smoke and encourage them to implement home smoking bans