Laborers' Local 413
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Financial Education & Member Resources
Laborers Local 413 is committed to helping members and their families build strong financial futures. Below are trusted free resources, programs, and institutions available to help with budgeting, credit, homeownership, and long-term financial stability.
Free Financial Education Resources
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Pennsylvania Financial Educators Council (PAFEC)
Offers free financial education programs, tools, and community resources to help individuals improve financial knowledge and long-term stability.
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FoolProof Financial Education
A free online platform that teaches real-world money skills like credit, banking, and avoiding financial scams through interactive lessons.
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National Foundation for Credit Counseling (NFCC)
The nation’s largest nonprofit financial counseling network, offering education and support for budgeting, debt, and credit management.
Financial Counseling & Debt Management
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Clarifi
Free one-on-one counseling for budgeting, credit improvement, debt reduction, and homeownership.
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Philadelphia Financial Empowerment Centers
Free financial counseling to help with saving, credit, and debt management.
Call: (855) 346-7445
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Credit Counseling Center
Support with budgeting, debt management, and improving financial stability.
Home Ownership Support
These programs can help members prepare to buy a home:
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Clarifi Housing Counseling
Provides free, one-on-one guidance on credit improvement, budgeting, and mortgage options to help members confidently prepare for and successfully purchase a home.
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Pennsylvania Housing Finance Agency (PHFA)
Offers programs for first-time homebuyers, down payment assistance, and affordable loans.
Why this Matters?
Financial education is just as important as job skills. Taking advantage of these resources can help you:
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Build strong credit
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Reduce debt
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Buy a home
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Save money
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Create long-term financial security
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Secure Generational Wealth