The Working Families Program has staff available to work with families on budgeting and money management offers free income tax filing for families making less than $48,000, works with individuals to obtain a free credit report and will provide guidance for credit repair.

• As a partner with NH Community Loan Fund, the Working Families Program takes applications for Individual Development Accounts (IDA’s) and guides clients through the process.
• An IDA is a matched savings account that helps income-eligible people regularly save money toward life-changing goals. 
• These can be used to help account holders buy their first home, repair their existing home, capitalize a small business, pursue post-secondary education and training or to purchase an automobile.
• IDA participants are allowed to deposit a maximum of $2,000 that can become $8,000 with the match. Each dollar saved is $3 earned with an IDA.

• Provide tax preparation services free of charge.
• Engage clients in asset building.
• Offer money management information and resources.
• Provide Benefit Screening for support programs such as fuel assistance, food stamps and child care assistance.

• As part of the Community Talent Team, the FRC is working on an employment readiness initiative for local applicants to the Berlin Federal Prison.