Explore Penny Forward’s diverse range of online courses meticulously crafted for the blind community to help guide you through the intricacies of finance. Whether you’re delving into taxes, understanding credit scores, managing debt, or mastering the art of money management, we have the ideal course tailored to meet your needs. Elevate your financial literacy with Penny Forward and embark on a journey to empower your financial well-being.

Taking On Taxes: A beginner’s guide to the foreign language of taxes

Does tax time leave you stressed and frustrated by terms and concepts you don’t understand? Do you always wonder if you’ve paid too little or too much? This course will help you to understand common tax terms and concepts so you can confidently do it yourself or communicate with a tax preparer.

You’ll learn:

  • How tax brackets determine how much we’re taxed
  • The difference between a tax credit and tax deduction
  • Why some people get a big refund and others end up owing money
  • Options for completing and filing a tax return and their pros and cons


Concerned About Credit: An Introduction To Credit Scores, Credit Reports, And Why They Matter

Do you want to raise your credit score but you’re not sure how? Are you confused by terms and concepts you don’t understand? Have you gotten into trouble with credit before and want to learn how to avoid trouble again? Are you afraid to use credit because you know someone who has gotten into trouble and you want to avoid making the mistakes they did? This course will help you to understand common credit terms and concepts so you can confidently build your credit reputation while avoiding the mistakes that so many people make when using credit.

You’ll learn:

  • How lenders use your credit reputation to decide whether or not to lend you money
  • How credit scores make that decision easier and faster for many lenders
  • Why some people have high credit scores and others don’t
  • Behaviors that will, if you use them consistently, raise your credit scores and keep you out of trouble


Digging Out Of Debt: A Guide To Conquering Overwhelming Debt

Overwhelming debt is a very emotional topic. Search the Internet or talk to your family and friends and you’ll quickly find that they have a variety of opinions about borrowing money, paying it back, and how to avoid trouble. The truth is that most people find themselves needing to borrow money at some point in their lives and some of them find themselves regretting that decision later. This course is about what you can do if you find yourself in trouble after borrowing money. You’ll learn:

  • Why people find themselves in debt and why they decide to dig out
  • What you can do, yourself, to dig out of debt
  • How you can get help and the pros and cons of each approachh

Budgeting And Banking Basics: A Guide To Basic Money Management

In this course, you will gain a fundamental understanding of budgeting and banking basics, and learn:

  • How to manage your personal finances effectively
  • How to track your spending, make a budget, and review and adjust your budget as your financial situation changes
  • The basics of banking and the different types of financial institutions, including banks and credit unions
  • How the Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA), ensure that your money is safe in the event of bank failure
  • How to open and use checking and savings accounts, and how they differ

The benefits of online and mobile banking, and how they can help you manage your money more efficiently

Simplifying Social Security: A Basic introduction to the Social Security Administration and Programs it Offers

Social Security benefits help millions of blind and disabled people make ends meet, but they are also a frequent source of anxiety and stress. We have designed this course to help you better understand how Social Security works. In this course you will learn:

  • Why Social Security exists
  • Why you have a Social Security number and how Social Security uses it
  • Which types of benefits Social Security offers
  • How to understand which benefits you are eligible for
  • How to receive communications from Social Security in accessible formats
  • Who can help if you have questions or run into trouble


Four images: Top left: Penny Forward Podcast logo; Top right: Hand pointing at the words 'Online Courses'; Bottom left: A group of people with their hands stacked in the center of the table; Bottom right:: A calculator, financial plan and budget documents.

Join Penny Forward!

Do you want to become a better manager of money but you’re feeling a little lost?

In addition to gaining access to all Penny Forward online courses, additional membership perks include:

One to One Financial Counseling

Penny Forward’s unique approach to financial counseling bridges the gap between expertise and experience, offering tailored support specifically designed for the blind community. Our team of financial counselors, all accredited with the prestigious AFC® (Accredited Financial Counselor) certification, stand at the forefront of financial education and empowerment for individuals navigating financial challenges with visual impairments.