This fact sheet provides ideas and resources for beginning a conversation with participants about two specific financial empowerment topics: starting an emergency savings account and building credit. It examines some common concerns about financial topics like "We don’t have enough money to start a savings account" and "Will pulling my credit report hurt my credit score?" and offers ways to help participants take the first step. The fact sheet also directs HMRF practitioners to where they can find financial institution and credit counseling partners. (Author abstract)
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