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Financial Counseling & Coaching

Whether you've had a foreclosure, want to buy a house, need to get out of debt, or are having a financial crisis, ESOP's Financial Empowerment Coaches can help you set financial goals and make a plan to achieve them.

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0% Interest Small Dollar Loan

Our small dollar loans give you the ability to take a small personal loan for your most important expenses without needing to turn to payday lenders.

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Benefits Assessments & Application Assistance

The Benefits Enrollment Center can see if you qualify for the benefits available from more than 1,300 federal, state and local programs like help with utilities, food, transportation, housing assistance, and more.

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Connecting Our Seniors to Technology

Our free computer classes can help older adults learn how to use the internet safely and confidently with the support of both technological and financial coaching.

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Free Income Tax Preparation

We help individuals of all ages prepare their taxes and get their state and federal refunds free of charge. Spanish language services are available!

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Matched Savings Program

The Matched Savings Program helps you build emergency savings together with the assistance of our Financial Empowerment Coaches! We will match $1 for $1 up to $500 after 12 months in the program and all of the program criteria have been met.

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Medicare Part D Assistance

Our Medicare and Benefits Enrollment Center has helped thousands of Medicare beneficiaries and people age 55 and older in Northeast Ohio and beyond.

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Senior Property Tax Loan

Our Senior Property Tax Loan Program provides loans to homeowners age 55 and older to help them pay delinquent property taxes and avoid foreclosure.

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Financial Education Workshops Callout

Resources

Resources

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An older couple discussing legal issues with their caregiver

Decision-Making With Your Older Loved One: Choosing a Power of Attorney Agent

Establishing a Durable Power of Attorney for Health Care or Finances can give loved ones the ability to control who makes important health care or financial decisions for them if their physician declares they are no longer able to make these decisions for themselves. Having a Power of Attorney is important because it assures loved ones have someone who can act on their behalf and, ideally, respect their wishes.

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By Tiffany Taylor and Julie Hayes | 01/15/2020

An older adult on a laptop

Internet Safeguards to Avoid Online Scams as an Older Adult

Over the years, the internet has grown and expanded to the point where it influences much of our daily lives. As the prevalence and everyday uses of the internet have expanded, so too has the presence of scammers and hackers who take advantage of the internet to steal personal information, deceive innocent people and spread harmful viruses. The internet is a valuable resource, and we shouldn’t let the fear of being scammed stop us from utilizing it. However, we should be cautious about where and to whom we give our information, and educate ourselves about internet scams so we don’t fall prey to people intending to mislead us.

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By Julie Hayes | 12/13/2019

Can You Actually Buy Happiness? Reflections on Emotional Spending

Have you ever felt down and out – and then headed to the mall? Have you ever felt overwhelmed, angry, or isolated – and then cheered up with a purchase on eBay? Do you use shopping as a way to celebrate an accomplishment or recover from a disappointment? Have you ever subscribed to the idea that shopping is a stress-relieving therapy and even cheaper than a visit with a psychiatrist? If so, did shopping in those moments actually make you feel better in the long run?

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By Lisa Weitzman | 11/13/2019

An older adult putting money into a piggy bank

Budgeting Tips for Older Adults

We all know how important it is to save money, but sometimes that’s easier said than done. Everywhere we go, there are different demands on our wallet, from weekly grocery trips to exciting new films at the movie theater to self-care treats at the hair salon. Add those expenses to monthly bills, medication costs and gas fill-ups, and it’s no wonder our wallets can end up stretched thin.

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By Tiffany Taylor and Julie Hayes | 10/11/2019

Two older adults reviewing financial documents together

Helping a Loved One Maintain Good Credit

While it’s important for all of us, at any age, to keep our finances in good condition, issues of credit card debt are growing among older adults. If we are caring for a loved one struggling with debt and maintaining good credit, it is important for us to understand credit scoring and how to help a loved one improve their credit so they can better manage debt.

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By Tiffany Taylor and Julie Hayes | 09/10/2019