Essential Financial Tips for the Family
Understanding personal finance is crucial for individuals at every life stage. Whether you're a student, a young adult, a married couple, or enjoying retirement, financial literacy empowers you to make informed decisions, set achievable goals, and build a secure future. Below is a tailored guide for various life stages, along with resources available in Alabama's River Region and online.
Students & Young Adults
Key Focus Areas:
Budgeting and managing expenses
Understanding student loans and credit
Saving for future goals (Best Resources for Improving Financial Literacy)
Local Resources:
Montgomery Public Schools & River Region United Way Financial Literacy Initiative: This partnership offers financial literacy programs aimed at empowering students and families with essential financial knowledge. (Montgomery Public Schools & River Region United Way Financial ...)
Online Resources:
Teens’ Guide to Money: An online resource that educates teens on earning, saving, investing, and spending.
InCharge Financial Literacy: Provides free personal finance materials suitable for at-home learning, classrooms, and community workshops. (10 Online Resources for Student Financial Literacy - TeenLife, Financial Literacy: Free Personal Finance Education Materials)
Married Couples (With or Without Children)
Key Focus Areas:
Joint budgeting and financial planning
Saving for children's education
Investing and retirement planning (10 Online Resources for Student Financial Literacy - TeenLife)
Local Resources:
River Region United Way: Supports various programs that offer financial literacy classes for families, helping them make informed financial decisions. (Volunteer - | River Region United Way)
Online Resources:
Investopedia's Guide to Financial Literacy: Offers comprehensive information on budgeting, debt management, and investing tailored for adults.
National Endowment for Financial Education (NEFE): Provides resources to help individuals and families make empowered financial decisions. (The Ultimate Guide to Financial Literacy for Adults, National Endowment for Financial Education | NEFE)
Retirees & Elderly
Key Focus Areas:
Managing retirement income
Protecting against financial scams
Estate planning (Montgomery Public Schools & River Region United Way Financial ..., Financial Literacy Resource Directory | OCC)
Local Resources:
River Region United Way: Offers programs that assist seniors with financial literacy, ensuring they have the tools to manage their finances effectively.
Online Resources:
Money Smart for Older Adults: A program by the FDIC and CFPB that raises awareness among older adults and their caregivers on preventing fraud and making informed financial decisions.
Financial Literacy for Seniors: Provides tips and resources tailored to the financial needs of older adults. (Money Smart for Older Adults | FDIC.gov, Financial Literacy for Seniors)
Additional Online Resources
Financial Literacy Resource Directory (OCC): A comprehensive directory offering information on financial literacy resources, issues, and events.
InCharge Financial Literacy: Offers a wide range of free personal finance education materials suitable for various audiences. (Financial Literacy Resource Directory | OCC, Financial Literacy: Free Personal Finance Education Materials)
By leveraging these resources, individuals and families in the River Region and beyond can enhance their financial literacy, leading to more informed decisions and a more secure financial future.
Support for the Elderly and Retirees

Description:
As individuals enter their later years, they often face unique challenges—health concerns, mobility issues, social isolation, and changes in independence. Elderly life is a stage marked by reflection, wisdom, and continued growth, but it can also include emotional and physical vulnerability. Retirees may experience a sense of purpose shift as they move from active careers to a quieter daily life. Support from family, community, and faith institutions becomes especially vital in ensuring that older adults feel valued, connected, and cared for.
How the Church and Community Can Help:
The church plays a powerful role in honoring and caring for elders. Spiritual encouragement, companionship, transportation assistance, and organized visitation programs are meaningful ways to support seniors. The broader community can help by offering accessible services, creating intergenerational programs, and promoting awareness of aging issues. A caring, inclusive environment uplifts both elderly individuals and their caregivers.
How the Church and Community Can Help:
Offer spiritual guidance and regular pastoral visits
Provide transportation to church services and appointments
Organize intergenerational events for fellowship
Deliver meals, run errands, or assist with home needs
Encourage volunteering among retirees to keep them engaged
Support for Elderly & Retirees
Getting older brings wisdom—but it can also bring loneliness or challenges. The church and our community can lift up our elders with love and support.
- Volunteer to help
- Organize visits & rides
Connect elders to these resources:
- CAAC: (334) 240-4680
- MACOA: (334) 263-0532
- 2-1-1 Helpline
- ncoa.org
- caregiver.org
Let's care for those who paved the way.
Local River Region Resources for Elderly Support:
Central Alabama Aging Consortium (CAAC)
Offers case management, caregiver resources, legal assistance, meals, and more.
(334) 240-4680 | www.caacinc.orgRiver Region United Way 2-1-1
Connects callers with local senior services, health care, and emergency assistance.
Dial 2-1-1 | www.211connectsalabama.orgMontgomery Area Council on Aging (MACOA)
Provides meals on wheels, volunteer programs, and senior activities.
(334) 263-0532 | www.macoa.orgBaptist Health Senior Services (Montgomery, AL)
Offers wellness programs, geriatric care, and educational resources.
(334) 747-7070 | www.baptistfirst.org
Online Resources for Caregivers and Supporters:
AARP Caregiving
Tips, tools, and support for caregivers of elderly loved ones.
www.aarp.org/caregivingNational Council on Aging (NCOA)
Guidance on benefits, healthy aging, and economic security.
www.ncoa.orgEldercare Locator (by ACL)
Connects users to local services for aging-related needs.
www.eldercare.acl.govFamily Caregiver Alliance
Offers education, advocacy, and support resources.
www.caregiver.org
Welcome to the Veterans Resource Hub

Whether you’re recently separated from service or a long-time veteran, this page is dedicated to supporting you in your next chapter. From health care and housing to job training and community connections, these trusted resources are here to help you and your family thrive. You’ve served your country—now let these services serve you.
Essential Resources for Veterans
Health & Wellness
VA Health Care – www.va.gov/health-care
Enroll in comprehensive medical services through the U.S. Department of Veterans Affairs.Vet Centers – www.vetcenter.va.gov
Free counseling and support for combat veterans and their families.
Housing & Financial Support
VA Home Loans – www.va.gov/housing-assistance/home-loans
Assistance for buying, building, or refinancing a home.National Call Center for Homeless Veterans – 1-877-4AID-VET
Immediate help for veterans facing homelessness.
Education & Career
GI Bill Benefits – www.va.gov/education
Covers tuition, housing, and training for school or job certifications.Veterans Employment Services – www.dol.gov/agencies/vets
Job search tools, resume building, and hiring events tailored for veterans.
Mental Health & Support
Veterans Crisis Line – Dial 988, then press 1 or text 838255
Confidential 24/7 support for mental health or suicidal thoughts.Make the Connection – www.maketheconnection.net
Real stories and tools for dealing with life's challenges post-service.
Community & Benefits Assistance
Veterans Service Organizations (VSOs) – like the American Legion, VFW, and DAV
Get help filing claims, accessing benefits, and joining a community of support.VA Benefits Portal – www.va.gov
Apply for benefits, check claim status, and access records in one place.

Health and Wellness
Understanding Diabetes
Diabetes is a chronic health condition where the body either doesn’t produce enough insulin or can’t effectively use the insulin it produces. This results in high levels of glucose (sugar) in the blood, which can lead to serious health problems over time.
Types of Diabetes:
Type 1 Diabetes: An autoimmune condition where the body attacks insulin-producing cells. It usually appears in childhood or adolescence and requires daily insulin therapy.
Type 2 Diabetes: The body becomes resistant to insulin or doesn’t produce enough. It’s more common in adults and can often be managed with lifestyle changes, medication, or insulin.
Gestational Diabetes: Develops during pregnancy and usually resolves after childbirth but may increase the risk of developing Type 2 diabetes later.
Complications:
- Heart disease and stroke
- Nerve damage (neuropathy)
- Kidney damage (nephropathy)
- Vision loss (retinopathy)
- Foot problems and infections
Managing Diabetes:
- Monitor blood sugar regularly
- Follow a balanced, healthy diet
- Stay physically active
- Take medications or insulin as prescribed
- Get routine check-ups and screenings
- Prioritize mental and emotional health
Caring for Others with Diabetes:
- Learn about their treatment plan
- Support healthy eating and exercise
- Encourage regular glucose checks
- Be prepared for emergencies like low blood sugar
- Offer emotional support and patience
Prevention Tips:
- Maintain a healthy weight
- Eat a diet rich in whole grains, fruits, and vegetables
- Limit sugary drinks and processed foods
- Exercise regularly
- Avoid tobacco use
- Get regular health screenings
Helpful Resources:
- American Diabetes Association
- Centers for Disease Control and Prevention - Diabetes
- International Diabetes Federation
- JDRF – Type 1 Diabetes Research
Gut Health
The Optibac Probiotics guide, “40+ Surprising Facts About The Impact of Gut Health,” explores the vital role of the gut in overall well-being. It highlights how the gut microbiome—a diverse community of bacteria, fungi, and other microbes—affects digestion, immunity, mood, sleep, and inflammation. The guide emphasizes that gut health is influenced by factors like diet, stress, and lifestyle, and that maintaining a balanced gut microbiome is crucial for health. It also notes that while research into the microbiome is ongoing, individuals can take proactive steps, such as consuming probiotics and fiber-rich foods, to support their gut health. Optibac Probiotics

Information you can find in the virtual guide are:
Chapter 1 An introduction to gut health
Chapter 2 The impact of gut health
Chapter 3 Taking care of your gut health … much more.
For more information visit:
https://www.optibacprobiotics.com/uk/gut-health-impact-facts/
Cancer Resources

What is Cancer?
Cancer is a group of diseases where abnormal cells grow uncontrollably and can spread to other parts of the body. It can develop almost anywhere and disrupt normal body functions.
Common Signs and Symptoms:
While symptoms vary depending on the type and location of the cancer, some general warning signs include:
Unexplained weight loss
Fatigue
Persistent pain or discomfort
Lumps or swelling
Changes in skin or moles
Persistent cough or hoarseness
Changes in bowel or bladder habits
What Can You Do?
Early detection is key. If you notice unusual or persistent symptoms, see a healthcare provider. Lifestyle choices like eating a balanced diet, staying active, avoiding tobacco, and attending regular screenings can help reduce risk. For those diagnosed, treatment may involve surgery, chemotherapy, radiation, or newer targeted therapies. Emotional support, a strong care team, and healthy living also play an important role in managing cancer.

If you or a loved one is facing cancer in Alabama’s River Region—including Montgomery, Elmore, Autauga, and surrounding counties—there are several local organizations offering support, treatment, and resources:
Cancer Support & Patient Services
Cancer Wellness Foundation of Central Alabama
Provides free transportation to treatment, financial assistance for medications, and emotional support for patients undergoing chemotherapy and radiation.
4145 Carmichael Road, Montgomery, AL
(334) 273-2279
cancerwellnessfoundation.orgRiver Region United Way
Jackson Hospital – McGough Oncology Center
Offers comprehensive cancer care with a multidisciplinary team approach, ensuring personalized treatment plans in a comfortable environment.
Montgomery, AL
jackson.org
The Wellness Coalition
Hosts annual health fairs providing free cancer screenings, wellness coaching, and connects residents to local health resources.
3060 Mobile Highway, Montgomery, AL
(334) 293-6502
The Wellness CoalitionThe Wellness Coalition
Specialized Support for Women
Forge Breast Cancer Survivor Center
Supports breast cancer patients and survivors with personalized survivorship plans, peer mentoring, mental health counseling, and financial assistance.
(205) 838-6159
Forge Breast Cancer Survivor CenterO'Neal Comprehensive Cancer Center+1Forge Breast Cancer Survivor Center+1
SistersCANcervive
A community-based nonprofit offering emotional support, educational resources, and assistance with co-pays, meals, and transportation for women battling cancer.
(205) 514-8085
SistersCANcervive.orgSistersCANcervive.org
Additional Health Resources
River Region Health Center
Provides affordable comprehensive health and wellness services to individuals and families.
1845 Cherry Street, Montgomery, AL
(334) 420-5001
Alabama Family CentralAlabama Family Central+1Alabama Family Central+1
River Region Wellness Center
Offers patient-centered healthcare services focusing on enhancing the lives of individuals and families.
1765 Plum Street, Montgomery, AL
(334) 420-0280
Alabama Family CentralAlabama Family Central+1Alabama Family Central+1
Sickle Cell Foundation of the River Region
Provides resources and support for individuals affected by sickle cell disease, including screening and educational programs.
3180 Selma Highway, Montgomery, AL
(334) 286-9122 or 1 (888) 727-4255
riverregionsicklecell.comriverregionsicklecell.com+1River Region United Way+1River Region United Way
General Assistance & Referrals
River Region United Way – 211 Connects
Offers a comprehensive directory of health and human services, connecting individuals to cancer-related support, financial aid, and more.
Dial 211 or 1-888-421-1266
River Region United WayRiver Region United Way
River Region Needy Information Center (RRNIC)
Provides a thorough list of governmental agencies and nonprofit charitable organizations for anyone needing financial assistance, including those affected by cancer.
(334) 478-3146 (Recording Only)
rrnic.comrrnic.com
These organizations are dedicated to supporting individuals and families affected by cancer in the River Region. Whether you need medical treatment, emotional support, or financial assistance, help is available. Don't hesitate to reach out to these resources to find the support you need.
Mesothelioma
Understanding Mesothelioma: Signs, Diagnosis, and Self-Care
Mesothelioma is a rare and aggressive cancer most commonly caused by asbestos exposure. It primarily affects the lining of the lungs, abdomen, or heart. Early symptoms can be subtle and include chest pain, shortness of breath, persistent cough, fatigue, or abdominal swelling.
If you're diagnosed with mesothelioma, it’s crucial to consult a specialist immediately. Treatment options may include surgery, chemotherapy, radiation therapy, or immunotherapy, often guided by a multidisciplinary medical team.
Taking care of yourself involves more than just medical treatment. Prioritize good nutrition, gentle exercise, emotional support, and staying informed about your condition. Joining support groups and working closely with healthcare providers can help improve quality of life and navigate the journey ahead with strength and support.
If you or a loved one has been diagnosed with mesothelioma, there are numerous resources available to provide support, information, and assistance. Here are some key organizations and services that can help:
Medical & Treatment Support
The Mesothelioma Center at Asbestos.com
Offers free access to top specialists, treatment centers, and clinical trials. Their Patient Advocates assist with navigating insurance, finding doctors, and accessing financial aid. Mesothelioma Center
Mesothelioma Hope
Provides personalized support, including doctor matching, access to $30 billion in trust funds, and assistance with VA benefits for veterans. MesotheliomaHope.com
Mesothelioma Guide
Connects patients to leading doctors, cancer centers, and treatment options, along with legal resources. Mesothelioma Guide
Support Groups & Emotional Assistance
Mesothelioma Applied Research Foundation (Meso Foundation)
Hosts virtual support groups for patients, caregivers, and bereaved families, facilitated by professionals. Mesothelioma.com+2curemeso.org+2curemeso.org+2
Mesothelioma.com
Offers free resources and support for navigating the journey ahead. MesotheliomaHope.com+3Mesothelioma.com+3Health+3
Legal & Financial Resources
Mesothelioma Veterans Center
Assists veterans with accessing VA benefits, filing claims, and connecting with medical specialists. Mesothelioma Veterans Center
Mesothelioma Hub
Connects patients and families to legal services, medical options, and financial assistance. Mesothelioma Hub
Educational Materials & Guides
Mesothelioma Guide
Provides comprehensive information on mesothelioma, treatment options, and support resources.
Mesothelioma Web
Offers detailed information on mesothelioma treatment options, including surgery, chemotherapy, and radiation therapy. mesotheliomaweb.org
These organizations are dedicated to supporting individuals and families affected by mesothelioma. Whether you need medical treatment, emotional support, or financial assistance, help is available. Don't hesitate to reach out to these resources to find the support you need.
Mental Health and Rehabilitation Services

Understanding Mental Health and Available Resources in Alabama's River Region
What Is Mental Health?
Mental health encompasses our emotional, psychological, and social well-being. It influences how we think, feel, and act, as well as how we handle stress, relate to others, and make choices. Maintaining good mental health is essential at every stage of life, from childhood through adulthood.
Mental Health Resources in the River Region (Montgomery, Elmore, Autauga, and Surrounding Counties)
Residents of Alabama's River Region have access to various mental health services:
Carastar Health: Formerly the Montgomery Area Mental Health Authority, Carastar offers comprehensive mental health services, including crisis intervention. They operate a 24/7 crisis center at 5915 Carmichael Road, Montgomery, AL. For immediate assistance, call (800) 408-4197. carastar.org+1https://www.wsfa.com+1
Health Services, Inc. – River Region Health Center: Provides behavioral and mental health services, including counseling for individuals, couples, and families dealing with depression, anxiety, stress, and other challenges. Located at 1845 Cherry Street, Montgomery, AL. Contact: (334) 420-5001. sitesite
Crossbridge Behavioral Health: Offers inpatient psychiatric care and intensive outpatient programs for adults. Situated at 4385 Narrow Lane Road, Montgomery, AL. For information, call (334) 747-2336. Baptist Health Montgomery
Alabama Psychiatry – Montgomery Location: Provides psychiatric evaluations and treatment plans tailored to individual needs. Located at 7125 University Court, Montgomery, AL. Phone: (334) 239-2622. Alabama Psychiatry
Crisis Hotlines and Support Lines
In times of crisis or when immediate support is needed, the following resources are available:
988 Suicide & Crisis Lifeline: Dial 988 for 24/7, free, and confidential support for people in distress, prevention, and crisis resources. Alabama Department of Public Health
-
Alabama Department of Mental Health Hotlines:
Mental Illness Support: 1-800-367-0955
Substance Use Disorder Support: 1-844-307-1760
Peer Support Line: 1-800-832-0952 Alabama Department of Mental Health+1Alabama Department of Mental Health+1Alabama Department of Mental Health
Wings Across Alabama – Talk Across Alabama: Offers a 24/7 warm line providing peer support for individuals needing someone to talk to. Visit Talk Across Alabama for more information.National Agricultural Law Center+2Wings Across AL+2Alabama Department of Mental Health+2
Support for Family Members and Caregivers
Supporting a loved one with mental illness can be challenging. Here are resources to assist families and caregivers:
NAMI Alabama: The National Alliance on Mental Illness offers family support groups, educational programs, and advocacy for individuals affected by mental illness. Learn more at NAMI Alabama.NAMI East Alabama+4namialabama.org+4namialabama.org+4
Alabama Department of Mental Health – Family Resources: Provides information and support for families dealing with mental health issues, including access to services and educational materials. Visit ADMH Families for resources.Alabama Department of Mental Health+2Alabama Department of Mental Health+2Alabama Department of Mental Health+2
NAMI Family Support Groups: Peer-led support groups for adults with loved ones experiencing mental health conditions. These groups offer a space to share experiences and gain support. Find a group at NAMI Support Groups.NAMI East Alabama+1NAMI+1NAMI+1NAMI East Alabama+1
If you or someone you know is struggling with mental health issues, reaching out to these resources can provide the necessary support and guidance. Remember, seeking help is a sign of strength, and support is available for both individuals and their families.
Top Rehabilitation Resources in Montgomery, AL
1. Alabama Department of Rehabilitation Services (ADRS)
ADRS provides a wide range of services for Alabamians with disabilities, from birth through adulthood. Their programs include:
Vocational Rehabilitation Services: Assisting individuals with disabilities in achieving employment goals through personalized services.
Children's Rehabilitation Service (CRS): Offering medical, educational, and rehabilitative services for children with special health care needs.
Assistive Technology Services: Providing access to devices and training to enhance independence.Alabama Rehab Services+4Alabama Rehab Services+4LinkedIn+4Alabama Rehab ServicesAlabama Rehab Services+1iCarol+1Alabama Rehab Services+1Alabama Rehab Services+1
Address: 602 S. Lawrence St., Montgomery, AL 36104
Phone: (334) 293-7500 | Toll-Free: 800-441-7607
rehab.alabama.govRehabilitation Services Administration+3Alabama Rehab Services+3Alabama Rehab Services+3Alabama Rehab Services+2Rehabilitation Services Administration+2Alabama Rehab Services+2
2. Encompass Health Rehabilitation Hospital of Montgomery
Specializing in inpatient rehabilitation, Encompass Health offers comprehensive care for conditions such as stroke, brain injury, spinal cord injury, and orthopedic disorders. Their multidisciplinary team provides personalized therapy plans to support recovery.Encompass Health+1Encompass Health+1
Address: 4465 Narrow Lane Rd., Montgomery, AL 36116
Phone: (334) 288-3100
encompasshealth.com/locations/montgomeryrehab
3. Bradford Health Services – Montgomery Outpatient Office
Bradford Health Services offers outpatient programs for individuals dealing with substance use disorders. Services include:
Intensive Outpatient Programs (IOP)
Medication-Assisted Treatment (MAT)
Individual and group therapy sessions
Family support and aftercare programsBradford Health Services+1Alabama Rehab Services+1
Address: 386 St. Lukes Dr., Suite 200, Montgomery, AL 36117
Phone: (334) 440-8534
bradfordhealth.com/montgomery-al-iop-rehab-locationBradford Health Services
4. Rehab Select at Hillview Terrace
Rehab Select provides both short-term rehabilitation and long-term care services. Their facility focuses on personalized, physician-led therapy programs aimed at achieving optimal recovery outcomes.Rehab Select
Address: 100 Perry Hill Rd., Montgomery, AL 36109
Phone: (334) 272-7171
rehabselect.net/hillview-terrace
5. Rehab Associates – East Montgomery
Offering a variety of outpatient therapy services, Rehab Associates specializes in:
Physical and occupational therapy
Orthopedic rehabilitation
Sports medicine
Pediatric therapyBradford Health Services+2Home+2Encompass Health+2
Address: 6940 Winton Blount Blvd., Montgomery, AL 36117
Phone: (334) 356-1111
rehab-associates.com/east-montgomery
These facilities and programs are dedicated to supporting individuals in Montgomery through various rehabilitation services. Whether you're recovering from an injury, managing a chronic condition, or seeking support for substance use, these resources are equipped to provide the care and assistance you need.
If you need more specific information or assistance connecting with any of these services, feel free to ask!
Student Assistance and Resources in the River Region

Student Assistance in the River Region (Montgomery, Elmore, Autauga Counties)
Student assistance encompasses a range of services designed to support learners in achieving academic success and preparing for higher education. In Alabama's River Region, numerous programs and resources are available to help students with college preparation, tutoring, and skill development.
College Preparation & Academic Support
Upward Bound – Trenholm State Community College
Offers academic tutoring, ACT/SAT prep, financial literacy, college tours, and assistance with admissions and scholarships for eligible high school students. Trenholm State Community CollegeEducational Talent Search – Alabama State University
Provides free after-school tutoring in core subjects, aiming to reduce dropout rates and assist with homework and academic challenges. Home | Alabama State UniversityStudent Support Services – Alabama State University
Offers tutoring, mentoring, counseling, and graduate school preparation for enrolled students who are first-generation, low-income, or have documented disabilities. Home | Alabama State University
Tutoring Services
Homework Alabama
A free online resource providing one-on-one tutoring in over 60 subjects for K-12 and college students, available daily from 10 a.m. to 11 p.m. TutorPrep+1https://www.wsfa.com+1Trenholm State Community College – Student Success Center
Offers individualized and group tutoring for enrolled students to promote academic achievement. Trenholm State Community CollegeTroy University – Center for Student Success (Montgomery Campus)
Provides free tutoring in math, science, English, and writing, both virtually and in-person, for Troy students. Troy University+1Home+1Faulkner University – Academic Center for Excellence
Offers peer tutoring in various subjects, with all tutors certified through the National Tutoring Association. Faulkner UniversityBetter Than Average Tutoring (Montgomery & Prattville)
Provides tutoring for Pre-K through high school students, including ACT prep, GED exams, and professional development. Better Than Average TutoringSylvan Learning Center (Prattville)
Offers K-12 tutoring, test prep for SAT/ACT, and courses in STEM and study skills. Sylvan Learning
Financial Aid & Scholarships
Alabama Student Assistance Program (ASAP)
A need-based state grant ranging from $300 to $5,000 per academic year for eligible undergraduate students attending participating Alabama institutions. ache.eduElmore County – EDGE Virtual School Scholarships
Provides information on various college scholarship opportunities for students in Elmore County. Home
These resources are designed to assist students in the River Region with their educational journey, offering support from academic tutoring to college preparation and financial aid. Engaging with these programs can provide valuable assistance in achieving academic and career goals.