Representative payee services help with: - Daily money management - Encourage savings - Establishing a financial base A veteran administration fiduciary service helps with: - Creating a budget - Establishing financial goals and financial base

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

Community education programs and classes: - Archery - Ballroom, Hawaiian, Tahitian and square dancing instruction - Basketball, softball, volleyball and football - Business consulting services - Computer classes - Cooking classes - CPR/First Aid - Day camps with drawing instruction, sculpture instruction, skateboarding, ice hockey, acting instruction and chess - Field trips - Fishing - Foreign language instruction - Golf - Gym games - Knitting instruction - Mature driver training - Painting classes - Parenting classes - Parenting skills development - Personal finance instruction - Photography instruction - Sewing instruction - Sign language instruction - Swimming lessons, aquatic exercise and lifeguard training - T'ai Chi Ch-uan, swimming, exercise classes/groups and aerobics - Woodworking instruction - Writing instruction - Youth Development/Youth Service: Programs involving high school youth in service learning opportunities in the community. Portion of funding is used to provide integration support to youth with disabilities into existing community education programs.

ICLS offers caregiver assistance to those who need intermittent or moderate supervision or physical assistance to stay in their home. Services available may include the following: - Active Cognitive Support: Caregivers provide in-person or remote check-ins to provide support, guidance and problem-solve concerns related to daily living - Activities of Daily Living: Caregivers assist with dressing, grooming, bathing, and transferring (walking) - Adaptive Support: Encourage self-sufficiency and reduce the need for assistance. ICLS caregivers work with the client to develop and practice individualized strategies that promote independence, such as using calendars, making lists, and teaching how to use assistive technology. - Community Living Engagement: Helps clients access resources, services, and activities outside the home. These services help the individual develop and maintain a support system in the community. - Household Management Assistance: Caregivers assist with meal planning and preparation, light housekeeping, laundry and budgeting/money management - Health, Safety, and Wellness: Caregivers will identify any changes in the client's health, including monitoring any existing health conditions, with referrals to case managers as needed

- Confidential right to life counseling on pregnancy options - Pregnancy testing - Maternity/baby clothes, furniture, and items (Accepts donations that are clean and in good condition) - LIFE Classes (Lessons In Family Education) Parenting: Classes to help moms and dads learn prenatal & parenting skills, baby and toddler development - Men's Mentoring: Individual classes with a male mentor with topics covering budgeting, rights and responsibilities, parenting, and relationships - Abstinence presentations presented in schools and churches to help teens understand the value of choosing abstinence, how to resist peer pressure, how to say no, and physical and emotional consequences of premarital sex using illustrations and skits - PACE (Post Abortion Counseling and Education) support group - Presentations in schools on Fetal Development, Adoption, and Parenting - Limited ultrasound services

Offers life skills classes such as: - Employment Strategies: Classes will provide participants an opportunity to assess their values and career preferences, create and build a resume, prepare for interviews, and network with potential employers - Life and Empowerment Coaching: Participants will work one-on-one with a certified Life Coach for a period of up to nine months assessing their life and setting goals to improve in areas they identify - Mental Health Support Groups: Groups are regularly scheduled by covering various topics and offer a safe place to be heard and create community. All are welcome to attend. - Nutrition Basics: Classes offered each month on various nutrition topics to help participants prepare healthier meal options - Personal Finances and Budgeting: Based on Dave Ramsey's Financial Peace University, the class covers budget topics to help participants have a strong starting point to begin using a budget and handle their finances better

A multi-service community-based facility offering a range of support services and resources to enhance skills, employability and long-term career mobility to traditionally under-served populations. Services include: - One-to-one assistance with resume, job search and entry-level placement needs - Job placement, retention and ongoing support services for program graduates - Career development, career awareness, career change counseling, career exploration, vocational assessment - Professional development designed specifically for currently-employed workers - A computer lab that provides self-directed technology usage, as well as more formal instruction - Sector-based classroom job skill programs in partnership with major employers in healthcare and banking - Work readiness training programs for individuals with criminal histories - Employment training and benefits eligibility and review for individuals with HIV/AIDS - Access to information about GED and post-secondary educational programs - Financial literacy coaching - Homebuyer education and pre/post purchase counseling

Employment counselors help SNAP clients in gaining skills and abilities to obtain employment to gain self-sufficiency including: - Adult education - Budgeting assistance - Career planning - Computer classes - Interviewing skills - Job search assistance - Post-secondary education - Resume development - Short-term training - Support services - Transportation assistance - Vocational interest

Family Services: - Bimaadiziwin Mikana (The Path of Life): Parent mentor program designed around healing and connecting families with community and elders. While focusing on traditional cultural lifeways, resiliency, and strengths, positive Indian parenting values are incorporated into the program. - Ombi'Ayaa Anishinabe Ininiiwug (Rise Up Original Men): Provides a place for American Indian men who want to practice spiritual, cultural, and intergenerational engagement. Activities include: - Cultural events, including sugar bush and ricing - Men's softball and basketball recreational leagues - Traditional ceremonies, including sweat lodge - Weekly father & men's group and weekly drumming group - Thinica Owichakiyapi Thipi (Helping the Homeless Build): - For individuals and families experiencing homelessness and who are not currently in housing or have not found housing: Provides resources and support for those experiencing homelessness. Services may include assisting the client with housing search assistance, tenant education, budgeting assistance, life skills training/coaching, etc. - For individuals and families experiencing homelessness or on the verge of becoming homeless that are currently in housing or have found housing: If eligible Family Homelessness Prevention and Assistance Program - FHPAP may help with rent, security deposit, utilities, and utility deposit assistance. - Note: Funding comes from a variety of sources including the Family Homeless Prevention and Assistance Program - FHPAP as well as others. Youth Services: - Waaban Ogimaawag (Tomorrow's Leaders): Provides youth with an opportunity to become engaged in traditional American Indian service learning. Also provides tutoring to American Indian youth on diverse subject areas, including test preparation, skill building, and success strategies.

Financial coaching is an individualized process that helps individuals take action to reach their financial goals. Money Mentors is a six month program where individuals meet one-on-one virtually, with a volunteer financial coach to develop action steps to reach financial goals. Goals may include boosting savings, controlling spending, eliminating debt, or improving credit.

Offers information and assistance to help clients achieve financial stability by providing the Family Assets for Independence in Minnesota (FAIM) program and financial training. Financial training curriculum is based on the Four Cornerstones of Financial Literacy curriculum. FAIM programs are matched savings project to help Minnesota low-wage earners to build assets through the purchase of a home, pursuit of higher education, or launching of a small business

Provides financial wellness counseling including creating a budget, understanding credit, and making plans to reach financial goals. Provides free, 1 or 2 day financial wellness class utilizing the FDIC Money Smart curriculum that covers a variety of topics, including budgeting, money management, how to access and understand your credit report, how to manage your credit history and debt, and how to protect your identity and assets. Class materials are provided and offered virtually via Teams.

ICLS offers caregiver assistance to those who need intermittent or moderate supervision or physical assistance to stay in their home. Services available may include the following: - Active Cognitive Support: Caregivers provide in-person or remote check-ins to provide support, guidance and problem-solve concerns related to daily living - Activities of Daily Living: Caregivers assist with dressing, grooming, bathing, and transferring (walking) - Adaptive Support: Encourage self-sufficiency and reduce the need for assistance. ICLS caregivers work with the client to develop and practice individualized strategies that promote independence, such as using calendars, making lists, and teaching how to use assistive technology. - Community Living Engagement: Helps clients access resources, services, and activities outside the home. These services help the individual develop and maintain a support system in the community. - Household Management Assistance: Caregivers assist with meal planning and preparation, light housekeeping, laundry and budgeting/money management - Health, Safety, and Wellness: Caregivers will identify any changes in the client's health, including monitoring any existing health conditions, with referrals to case managers as needed

Financial Education - Budgeting and savings - Building and managing credit - Consumer protection - Debt reduction - Rental topics - Reverse mortgage basics - Scam and Fraud prevention Financial Management - Assessment and budget assistance - Financial goal setting - Help with creditors Healthcare Application Assistance - MNSure navigation - Minnesota Insulin Safety Net Program Housing Counseling - Foreclosure prevention counseling - Reverse mortgage counseling

Financial Education program which offers individuals the opportunity to learn the basics of creating a budget, banking, building credit, and the importance of saving. Services include: - Financial Coach: Provides one-on-one service to help individuals create a budget, review credit reports, work on financial goal planning, and learn how to move toward financial stability and independence - Home Stretch: Partnership with MN Housing and MN Homeownership Center; an 8-hour class that walks through all of the steps of purchasing a home. Individuals will hear from realty, lending, and home insurance professionals.

As a MN Housing Finance Agency Agent, Kootasca administrates this program in Itasca and Koochiching Counties to prevent homelesness. Households are assisted in securing safe, decent rental housing. Funds are provided to eligible applicants to keep them in stable housing Some program features are: - Tenant Education and assistance to establish good relationship with landlord in safe, affordable housing - Budget counseling - Short-term rental assistance to prevent homelessness - Advocacy services to find information and services needed, plus ongoing support - For Itasca County contact, Gail Beckman 218-999-0833

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

ICLS offers caregiver assistance to those who need intermittent or moderate supervision or physical assistance to stay in their home. Services available may include the following: - Active Cognitive Support: Caregivers provide in-person or remote check-ins to provide support, guidance and problem-solve concerns related to daily living - Activities of Daily Living: Caregivers assist with dressing, grooming, bathing, and transferring (walking) - Adaptive Support: Encourage self-sufficiency and reduce the need for assistance. ICLS caregivers work with the client to develop and practice individualized strategies that promote independence, such as using calendars, making lists, and teaching how to use assistive technology. - Community Living Engagement: Helps clients access resources, services, and activities outside the home. These services help the individual develop and maintain a support system in the community. - Household Management Assistance: Caregivers assist with meal planning and preparation, light housekeeping, laundry and budgeting/money management - Health, Safety, and Wellness: Caregivers will identify any changes in the client's health, including monitoring any existing health conditions, with referrals to case managers as needed

Provides day-long and multi-part classes which include topics in the areas of: - Asset building - Budgeting to create savings - Building a good credit rating - Consumer protection - Debt reduction - Relationships with financial institutions

ICLS offers caregiver assistance to those who need intermittent or moderate supervision or physical assistance to stay in their home. Services available may include the following: - Active Cognitive Support: Caregivers provide in-person or remote check-ins to provide support, guidance and problem-solve concerns related to daily living - Activities of Daily Living: Caregivers assist with dressing, grooming, bathing, and transferring (walking) - Adaptive Support: Encourage self-sufficiency and reduce the need for assistance. ICLS caregivers work with the client to develop and practice individualized strategies that promote independence, such as using calendars, making lists, and teaching how to use assistive technology. - Community Living Engagement: Helps clients access resources, services, and activities outside the home. These services help the individual develop and maintain a support system in the community. - Household Management Assistance: Caregivers assist with meal planning and preparation, light housekeeping, laundry and budgeting/money management - Health, Safety, and Wellness: Caregivers will identify any changes in the client's health, including monitoring any existing health conditions, with referrals to case managers as needed

- Confidential right to life counseling on pregnancy options - Pregnancy testing - Maternity/baby clothes, furniture, and items (Accepts donations that are clean and in good condition) - LIFE Classes (Lessons In Family Education) Parenting: Classes to help moms and dads learn prenatal & parenting skills, baby and toddler development - Men's Mentoring: Individual classes with a male mentor with topics covering budgeting, rights and responsibilities, parenting, and relationships - Abstinence presentations presented in schools and churches to help teens understand the value of choosing abstinence, how to resist peer pressure, how to say no, and physical and emotional consequences of premarital sex using illustrations and skits - PACE (Post Abortion Counseling and Education) support group - Presentations in schools on Fetal Development, Adoption, and Parenting - Limited ultrasound services

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Family leaders are supported to obtain the skills and access the community resources needed to build networks of support, identify personal and family aspirations, develop a personal plan and achieve realistic personal and family stability goals. Activities help participants: - Discover strengths - Learn skills to resolve conflict without violence - Improve financial literacy - Strengthen parenting - Build family and community leadership skills