GET AHEAD 

• DOVER HOUSING AUTHORITY www.doverhousingauthority.org/ www.doverhousingauthority.org/ MAIN SITE FOR DOVER HOUSING AUTHORITY

• HABITAT FOR HUMANITY www.senhhabitat.org/ www.senhhabitat.org/ Habitat for Humanity works to make affordable homeownership opportunities available to families that are not eligible for a conventional mortgage.

Free Online Learning Opportunities and the Latest Student Loan Payment Options

• Dover Adult Learning Center www.dalc-online.org/ www.dalc-online.org/ Wonderful starting point for anyone who wants to embark on gaining skills for starting a career. Free computer use, English Second Language Classes, and much more!

• FIND FINANCIAL FREEDOM www.nhhed.com/ www.nhhed.com/ New Hampshire Housing and Finance has made their Financial Education resources available to us.There is still time left to have your name entered in to a drawing to win $500 if you register by February 28, 2013

• LearnFree.org www.gcflearnfree.org/ www.gcflearnfree.org/ Learn computer skills, prepare for a job interview, or how to manage your money. You can find just about anything here, and it's all free!

• The Open Learning Initiative oli.cmu.edu/ oli.cmu.edu/ Learn More About OLI Leadership and Staff What We Do The Open Learning Initiative (OLI) is a grant-funded group at Carnegie Mellon University, offering innovative online courses to anyone who wants to learn or teach. Our aim is to create high-quality courses and contribute original research to improve learning and transform higher education.

• www.sophia.org Affordable Online College Courses with SOPHIA Pathways for College Credit In addition to free college readiness resources, SOPHIA has introduced SOPHIA Pathways for College Credit?????????¢??????????¢ (SPCC) ?????????¢?? a self-paced program that offers online courses for transferable college credit at a significant savings over traditional college classes.

• Coursera www.coursera.org www.coursera.org Courses in a wide range of topics, spanning the Humanities, Medicine, Biology, Social Sciences, Mathematics, Business, Computer Science, and many others. Whether you're looking to improve your resume, advance your career, or just learn more and expand your knowledge, we hope there will be multiple courses that you find interesting.

• https://www.edx.org/how-it-works https://www.edx.org/ https://www.edx.org/ This is an open courseware site that awards certificates for completing modules. Although you will not get college credit, these can be used for your resume.

• Study Skills www.skillsyouneed.com www.skillsyouneed.com

• Empire Beauty, Barber and Esthetic Schools www.empirebeautyschools.com/index.cfm www.empirebeautyschools.com/index.cfm Empire Has Accredited Cosmetology Schools in Both Portsmouth and Somersworth www.facebook.com/empirebeautyschoolsinc

• National Student Loan Debt Association www.nsdassoc.org/academic/resources.php www.nsdassoc.org/academic/resources.php The National Student Debt Association (NSDA) to help you take advantage of federal student loan money saving repayment and forgiveness programs . For federal loans only, not private loans. This is a good resource for learning about loan program options and consumer fraud alerts. Always research any loan modification program that you are considering to be sure that it is a legitimate program.

• FEDERAL STUDENT AID https://studentaid.ed.gov/sa/ https://studentaid.ed.gov/sa/ Website that gives a breakdown of types of financial aid that available for college and details about repayment of student loans. There is also information about preparing for college

• CAREER ONESTOP www.servicelocator.org/ www.servicelocator.org/ CareerOneStop (www.CareerOneStop.org) provides national, state and local career, labor market, and workforce information using online tools, videos, and maps to a range of local services. CareerOneStop is sponsored by the U.S. Department of Labor and provides resources and tools for job seekers, students, businesses, and career professionals

• kellyservices.com

Helpful ways to manage work related stress and cope with workplace issues.

• Center for Work and Family www.bc.edu/centers/cwf/ www.bc.edu/centers/cwf/ The Center for Work and Family was originally developed under the Sloan Foundation. Here you will find solutions for improving work/life balance

• Truity www.truity.com www.truity.com We offer free and affordable online tests, based on the most popular and well-respected theories of personality and career development. All of the tests and quizzes you will find on the site have been developed by professional psychometricians. free and affordable online tests, based on the most popular and well-respected theories of personality and career development. All of the tests and quizzes you will find on the site have been developed by a professional.

Money. It's a simple word, but not so simple in the way it affects all of our lives. Learn about the way money moves throughout our lives, the way we feel about money and ideas for changing the way we use money.

• Bankrate.com www.bankrate.com/finance/debt/9-myths-build-better-credit-9.aspx www.bankrate.com/finance/debt/9-myths-build-better-credit-9.aspx Find Calculators to determine how long it will take to pay off debt, find tools to set up a budget, and learn about financial activities.

• Cash Course, UNH Coorperative Extension www.cashcourse.org www.cashcourse.org Financial literacy website created with college students in mind, but excellant resource for everyone. The website that contains tools and non-commercial information to help make financial decisions.

• Good Financial Cents www.goodfinancialcents.com/best-free-online-budgeting-tools/?ModPagespeed=noscript www.goodfinancialcents.com/best-free-online-budgeting-tools/?ModPagespeed=noscript This is an excellant site with some really good free tools for budgeting and money mangement.

• www.spendster.org/ Website that shows you where you are wasting your money.

• My Money www.mymoney.gov/Pages/default.aspx www.mymoney.gov/Pages/default.aspx MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on MyMoney.gov can help you maximize your financial decisions

• Find Financial Freedom www.nhhed.com/ www.nhhed.com/ New Hampshire Housing and Finance has made their Financial Education resources available to us. This is a great site for anyone who has an IDA account and is working on gaining Financial Literacy Credit.

• A DEBT FREE STRESS FREE LIFE adebtfreestressfreelife.com/work/ adebtfreestressfreelife.com/work/ I really like this website a lot. Maureen Campaiola takes on the reasons why we spend when we can't afford to buy. She has a lot suggestions for easy ways to make changes and best of all it's free!

• POWER PAY https://powerpay.org/powerpay/ https://powerpay.org/powerpay/ What is a Power Payment? As soon as one debt is paid off, applying the monthly payment from that debt to the next debt is called a Power Payment.

• PAYDAY LOAN INFORMATION www.paydayloaninfo.org/ www.paydayloaninfo.org/ FIND OUT ABOUT THE TRUE COST OF PAYDAY LOANS.

• FEDERAL STUDENT LOAN PAYMENT CALCULATOR https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action For those that have a student loan, there may be new payment options available that would make it easier to afford your payments. This tool can give you an estimate of what you payment could be, or what your payment will be if you are considering taking our a new loan.

• Consumer Action/Debtors Rights www.consumer-action.org/english/articles/debtors_rights www.consumer-action.org/english/articles/debtors_rights List of your rights when you have debt in collections

• The Motley Fool boards.fool.com/credit-cards-and-consumer-debt-100145.aspx boards.fool.com/credit-cards-and-consumer-debt-100145.aspx Discussion board for credit cards and personal debt. Learn how other people have dealt with debt.

• Time Barred Debts https://www.consumer.ftc.gov/articles/0117-time-barred-debts https://www.consumer.ftc.gov/articles/0117-time-barred-debts Learn about fair debt practices and how to watch out for scams. Debt collectors have a certain number of years that they are allowed to collect on debt. After that the debt is considered "Time Barred".

• MentalHealth.gov www.mentalhealth.gov/ www.mentalhealth.gov/ The federal government released this consumer friendly resource for learning how to get help with metal help issues. At the website, you can find information about the signs of mental health problems, how individuals can seek help, and stories shared by people who have come out on the other side.

• HEALTHY PLACE www.healthyplace.com/ www.healthyplace.com/ Good Resource for Adult ADD. Trusted information on psychological disorders and psychiatric medications. Support networks for mental health and online psychological tests. Breaking mental health news,

Suggestions for ways to calm down when your feeling overwhelmed and skill building exercises to learn better ways to solve problems

• Stress Recess cmhc.utexas.edu/stressrecess/Guided_Program/index.html cmhc.utexas.edu/stressrecess/Guided_Program/index.html Virtual stress reduction program.

• Essential Life Skills www.essentiallifeskills.net/self-concept.html www.essentiallifeskills.net/self-concept.html Website that will give you ideas for how to handle just about anything that you struggle with. Learning how to do anything that gets rid of annoying problems is a HUGE self esteem booster, which leads to less stress!

• Harvard's Virtual Relaxation Room www.cw.uhs.harvard.edu/inc/RelaxationRoom_CFW.html www.cw.uhs.harvard.edu/inc/RelaxationRoom_CFW.html Listen to recordings for relaxation.

• Heartmath www.heartmath.org/free-services/tools-for-well-being/tools-for-well-being-home.html www.heartmath.org/free-services/tools-for-well-being/tools-for-well-being-home.html

• Meditainment www.meditainment.com/managing-stress/ www.meditainment.com/managing-stress/ Free Guided Meditation

• MOVING FORWARD startmovingforward.dcoe.mil/course/index.html#_ startmovingforward.dcoe.mil/course/index.html#_ Moving Forward is a free, on-line educational and life coaching program that teaches Problem Solving skills to help you to better handle lifeā??s challenges. It is designed to be especially helpful for Veterans, Military Service Members and their families. However, Moving Forward teaches skills that can be useful to anyone with stressful problems. See more at: http://startmovingforward.dcoe.mil/index.php#sthash.SNC3p0p9.dpuf

• Stop Panic Attacks and Anxiety selftherapy.org selftherapy.org Free audio for non-medication method to stop panic attacks and calm anxiety.

• A Life Less Anxious www.alifelessanxious.com www.alifelessanxious.com Award winning author's website with free resources for getting anxiety under control.

• Inner Health Studios www.innerhealthstudio.com/overcoming-anxiety.html www.innerhealthstudio.com/overcoming-anxiety.html Good suggestions for relief from anxiety

Keep your family on track by taking advantage of tried and true routines and systems for staying organized. Get the best prices for gas, and more money saving ideas!

• FLY LADY www.flylady.net/d/getting-started/ www.flylady.net/d/getting-started/ Fly Lady is the original household organizer. She has set up a specific routine for getting and keeping organized, and there is also a place where you can be matched with a partner to keep each other motivated.

• GAS BUDDY www.newhampshiregasprices.com/index.aspx?zip=03820&src=Y www.newhampshiregasprices.com/index.aspx?zip=03820&src=Y Dover area gas prices.

• FRUGAL MOM www.frugalmom.net/blog/ www.frugalmom.net/blog/ Budgeting, Recipes, links to websites with free stuff. This site is LOADED!

• Child Care Aware nh.childcareaware.org/ nh.childcareaware.org/ New Hampshire Child Care Resource

• CHILDCARE AWARE - Info on Financial Assistance nh.childcareaware.org/financial-assistance-for-child-care/ nh.childcareaware.org/financial-assistance-for-child-care/ Childcare Aware is a resource for families and childcare providers. The website contains information about hot topics in childcare, a provider database and links to community resources.

• Health Care Reform, The Seven Things You Need to Know yourhealthsecurity.org/document/health-reform-seven-things-you-need-to-know-now yourhealthsecurity.org/document/health-reform-seven-things-you-need-to-know-now Consumer Reports has released a free online brochure to help you make sence of The Affordable Care Act. The guide lays out the basics in a way that everyone can understand.

• Avis Goodwin goodwinch.org/ goodwinch.org/ One stop Health Center

• Healthcare Market Place https://www.healthcare.gov/ https://www.healthcare.gov/ Website for choosing healthcare when the new health care laws (Obama Plan) go into effect. Registration will begin on October 01, 2013.

• Net Zero www.netzero.net www.netzero.net Basic Dial-up for $9.95 monthly. or FREE 10 hours per month.

• ArcZip www.arczip.com www.arczip.com Full Featured Internet Service-150 hours per month at $14.95

• M-Fire mfire.com/ mfire.com/ Full Service Internet at with unlimited hours for $19.95 per month. Use the promotion code- ALL and pay $14.95 monthly

• Globalnet www.surfglobal.net/ www.surfglobal.net/ Full internet service for starting at $12.95 per month.

• Comcast https://apply.internetessentials.com/ https://apply.internetessentials.com/ For families that qualify for free or reduced price school lunches, Comcast will provide monthly service for $9.95 and give them a chance to buy a notebook computer for less than $150. To find out if you qualify call 1-855-8INTERNET

• www.courts.state.nh.us/selfhelp/index.htm New Hampshire Legal Self Help Center

• NOLO www.nolo.com/about.html www.nolo.com/about.html Nolo began publishing do-it-yourself legal guides in 1971. In the 40 years since its founding, Nolo has evolved with technology, developing do-it-yourself software and building Nolo.com into one of the Internet???s leading legal websites

• NEW HAMPSHIRE LEGAL AID www.nhlegalaid.org/about/legal-advice-and-referral-center www.nhlegalaid.org/about/legal-advice-and-referral-center This website was created by a community of legal service providers to assist in the delivery of the delivery of accurate legal information.

• www.lawhelp.org