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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 […]

Wealth Isn’t Just for the Lucky: Ways to Create Your Own

Do you ever find yourself comparing what you have to what someone else has? It’s not exactly a healthy or pleasant state of mind to be in; however, as painful as it can be to admit, this comparison is inevitable. You may find yourself wishing that you lived in a house like a friend or […]

Building a Legacy – How to Create a Positive Financial Future

In the spirit of February… let’s talk about the ones you love! When we think of financial responsibility, we often think in the present. Daily living and immediate needs come to mind, such as budgeting for necessities like food, shelter, and education. Perhaps these things are taken care of, but you have bigger goals like […]

5 Tips for Reaching Your Financial Goals in the New Year

There are a variety of Near Year’s resolutions that people set from year to year. Whether it’s living a healthier lifestyle, finding more time for your favorite hobbies, or improving your economic situation, it should be something you strive to achieve all year long. For those of you looking to reach new financial goals in […]

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