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29 Palms Personal and Professional Development LibGuide: Personal Financial Management Program

Personal Financial Management Program (PFMP)

The Personal Financial Management Program provides personal financial education, training and counseling at no cost to Marines/Sailors and their families.  A solid understanding of personal financial situations will give a better chance of achieving financial success during your career and help build confidence in facing financial challenges and responsibilities.  The program delivers training and education to service members and their families on a recurring basis at the unit level or on an individual basis.

Contact Information

Kathleen Bourikas
Career Resource Office (CRO) Building 1526 
Phone: (760) 830-4032 

Email: kathleen.bourikas@usmc.mil

Hours of Operation - Monday - Friday: 7:30am - 4:00pm

Sen$e Financial App

Sen$e: Personal Finance Tool for Military Service Members.

Sen$e is a free Department of Defense app, full of personal finance information for Military service members and their families. Whether you’re  planning for retirement, or just thinking about joining the military, you will find helpful tips and content. This personal financial learning tool will assist you with reaching and maintaining a sense of financial well-being as you navigate through life’s major events. Providing factual, unbiased financial material, Sen$e is the only official DoD personal finance tool focused on the unique demands of military life. The tool will help you make sense of the financial decisions you and your family will face throughout and beyond your military career.

Sen$e provides a wealth of information, with interactive features to help increase your financial confidence. Take the Sen$e Challenges to test your sense of personal finance topics. Exercise your brain with fun financial games. The tool is designed to deliver military and family members what they need, when they need it. Thinking about buying a house or car? Marriage? Estate planning? Sen$e has you covered. Easily grasp personal finance topics, develop a spending plan, and navigate your Leave and Earning Statement or LES – all on your smartphone or tablet. Need more information on a topic? Sen$e provides useful links to a vast collection of in-depth resources for you.  

The DoD is hoping to enhance your personal finance skills and Sen$e cracks the code to help you make sense of personal  finance.

Sen$e does not collect your personally identifiable information, share your data, nor recommend/offer any private financial products for sale, and is ad-free.

Thrift Savings Plan (TSP)

                                            

Debt Management

If you are facing financial difficulty due to the National coronavirus and biohazard crisis, perhaps a Certified Debt Counselor can help.  NFCC certified Financial Counselor network at 1 (800) 388-2227.
Help is available with:
--Debt Management Plans
--Student Loan Counseling
--Small Business Owner Financial Coaching
--Credit Report Reviews
--Credit Health Education
--Homeownership Counseling
--Reverse Mortgage Counseling
--Foreclosure Prevention
--Bankruptcy Counseling

Credit Score

Credit Reports

Military Service Members Can Obtain Free Credit Monitoring

 In times such as this when people should be helping and sharing.some of us are at our worst. Hackers included! Fortunately, the recent FTC Rule implemented a 2018 law. Accordingly, the nationwide credit reporting agencies; Equifax, Experian, and TransUnion are providing free electronic credit monitoring services to active duty service members and National Guard members. Credit monitoring services can alert consumers to mistakes or problems with their credit reports that might stem from the unauthorized use of their personal information to obtain credit.

Car Buying

News & Resources

Consumer Complaint Resources to use when filing a consumer complaint

NEW CAR BUYING RESOURCE! FINRED has created some new educational and entertaining short videos on various car-buying topics: https://finred.usalearning.gov/Money/CarBuyingBasics

Free Investor Publications from FINRA https://www.finra.org/investors/free-investor-publications

LMS Webinars – There are many workshops, financial and other topics, available for you to attend online on the Learning Management System.

To sign in or to create an account with LMS go to the following link  https://ffsp.zeiders.refineddata.com/login/index.php.

Military Families Learning Network offers FREE webinars, virtual learning events, and conferences, covering a variety of topics relevant to military family service providers and Cooperative Extension educators. https://militaryfamilieslearningnetwork.org/allevents/