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Money Matters helps individuals and families achieve financial stability through support, education, and accountability

We offer free tax assistance, one-on-one financial counseling and an incentivized savings program, Save Up Summer

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Save Up Summer is an incentivized savings program for Franklin County residents. Participants make a monthly savings goal, receive one-on-one financial counseling, and attend group workshops.


Upon completion of the program and after meeting their savings goal, participants receive $400 deposited into a savings account. Save Up Summer runs July-October with a cohort of 10 participants.


The program helps participants build strong savings habits and offers individualized support and education to improve financial well-being.  


  • Must be 18+

  • Live in Franklin County

  • Income under 200% of the Federal Poverty Level     (see chart below)

  • Have an existing bank account

  • Ability to attend all 3 evening workshops

Individual financial counseling sessions in July and September

Group workshops on Tuesdays,

8/2, 8/9, and 8/16 5:30-7:30 PM

Limited to 10 participants

Apply before June 27th, 2022. Call 413-376-1179 for more info

Application will go live on Friday, June 17th. Due to a limited number of slots, we enroll eligible participants on a first come first serve basis. 


Check back here next May to get involved for 2023


What does financial counseling look like?

After an initial phone consultation, we will meet with you to talk about your goals for your financial wellbeing. Sessions usually last an hour and a half and might involve learning about student loan repayment, talking through through next steps, pulling a credit report, building a budget, or simply getting support and accountability as you tackle whatever financial problems you face.

What does financial counseling not look like?

Money Matters staff are neither financial advisors (telling you how to invest your money) or financial therapists (digging into your life story and supporting day to day emotional regulation). We also can't offer you direct financial assistance to pay back rent or utilities. If you're looking for these resources, check out 

Call us at 413-376-1179 for more information

Program Eligibility

Live in Hampshire County, Franklin County or the North Quabbin region

Income must be within limits for your household size:

Household Members
Monthly Income
Annual Income

Interested in financial counseling?


Complete the form below to request an appointment!

NOTE: We are not taking on new financial counseling clients December through April while we run the VITA Free Tax Assistance program. By filling out this form you put yourself on our waitlist for an appointment in May. 

Appointment Request

Past Events

Making Sense of the Child Tax Credit
Learn more about the new 2021
Advanced Child Tax Credit payments

Credit Building and Repair
Common myths busted and your questions answered! Learn
everything you need to know about building good credit and
fixing bad credit.

Student Loans
Payments were paused during the pandemic, but start again in May!  Learn about repayment options and how to get on top of that debt.


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Money Matters and the AFCPE®

On December 15th, 2020 the Community Action Pioneer Valley’s Money Matters program was the recipient of the AFCPE® Strategic Impact Fund Scholarship grant. The Association for Financial Counseling and Planning Education®, or AFCPE®, provides education and training to financial counselors and coaches. 

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