Call Today! 510-237-6459 12972 San Pablo Ave, • Richmond, CA 94805


How is the “Missing Middle” being Squeezed Out of Housing?

Affordable housing is a crisis in California, particularly for people in groups that have become known as the “missing middle.” These are middle-income households that cannot afford the elevated cost of living in the state. While the missing middle are unable to afford market-rate housing, they are also earning just enough to make them unable […]

Resolution: Setting Financial Goals

The new year is only weeks away, and if you’re like most Americans, you’ve thought about the resolutions you’d like to set for 2020. Many resolve to eat healthier and exercise more, which are great for overall well-being. But what about your financial goals and health? Whether you need to pay off credit card debt, […]

Celebrating the Holidays on a Budget

‘Tis the season to celebrate! The holidays are a joyful time of year. They often include festive gatherings with loved ones, gift exchanges, going out to dinner with friends, entertainment, traveling to visit family, and home decorating which can all help us get into the spirit of the season. However, all the celebrating can often […]

How to Make the Most on Minimum Wage – Useful Tips for Living on a Budget

As of January 2019, the minimum wage in  Richmond, Ca is $15.00/hr*, which full-time amounts to $31,200 before taxes. This rate reduces to $13.50/hour if the employer contributes pay at least $1.50/hour for the employee’s medical benefits plan. Based on housing cost and  Bay Area expenses it makes it almost impossible to believe that even with […]

What You Should Know About Time of Use Electricity Rates

One of the benefits of affordable housing is that it leads to less stress, infectious disease, and eventually leads to a level of self-confidence for families. Affordable housing also frees up family funds within families’ shoestring budgets to spend on health care and food. With the opportunity, however, often comes limits.  One of the new […]

Back to School Finances – How Much It Costs and How to Save

It’s that time of year again, where parents and children start shopping for back to school supplies. But just how much will it cost? A pretty penny, in fact, according to the annual National Retail Federation (NRF) survey, families with elementary, middle, and high school children will spend $26.2 billion or an average of $696.70 […]

Helping College Students Prepare for Personal Finance

For those who graduated high school and are now moving on to a university, college is a huge milestone. It’s when most young people essentially “leave the nest” and live on their own for the first time. With that comes many responsibilities, one of the most important being personal finance and financial health. It can […]

Seize the Day… Summer Fun on a Budget

Fireflies, barbecues, ice cream trucks, and late-night bedtimes – summer is finally here, and it’s time to enjoy all the things that go along with it. While your summer bucket list might be filled with ideas a mile long, there are plenty of things to do that are low-cost (or even free) so you’ll still […]

A Forward Approach: Financial Literacy in Education

We recently posted an article on Facebook that got a lot of engagement from our audience, so it led us to investigate why this topic was so popular and important to the community. Much of the feedback revolved around individuals wishing they had received financial education in school and believe that if they had, they would […]

It’s National Fair Housing Month!

April is National Fair Housing Month, and every year, local communities – along with fair housing advocates and organizations across the country – work alongside HUD in their mission to increase the public’s awareness of housing rights, highlight fair housing enforcement efforts, and emphasize the importance of ending housing discrimination. This month we also celebrate […]

Richmond Neighborhood Housing Services, Inc. 510-237-6459 [email protected]