Welcome to NC Saves

NC Saves is an initiative of:

In NC, we are on a mission to educate, support and encourage people in their efforts to take control of their finances. Good financial management includes knowledge and practice. Throughout the state, people are learning about financial principles ranging from credit and debt, to budgeting and investing. The practice part is where savings comes in. Together, we can learn how to make savings a regular part of our routines, so that we prosper, both individually and collectively. Enroll in NC Saves now and let this site serve as your guide in Creating a Culture of Savings.


Solutions: Ask Our Experts

Seeking a SOLUTION? Our expert responds to your questions, issues and concerns about credit, debt, savings, and general financial management.

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NC Saver Story

From Six Figures to Below Poverty: A New Way of Living...and Thinking

For almost three decades, Angela Stewart has been in the business of helping people manage their finances to pursue homeownership and to gain self-sufficiency.  As a North Carolina licensed mortgage broker and loan officer for over 25 years, a HUD-Certified Housing Counselor, the owner and manager of A & J Mortgage Corporation, as well as, founder and director of a nonprofit, Hand Up Homeownership Initiative,  Ms. Stewart has seen her share of individuals having difficulty managing their personal finances.

Like many people, Ms. Stewart did not learn how to manage her own personal finances from parents, or even through education, but through life, study, professional experiences, and trial and error.  In her profession of helping others to acquire and maintain homeownership, money management and budgeting became a top priority and a part of service provided in the mortgage process.

She later started the non-profit, Hand Up Homeownership Initiative, with a goal of...

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America Saves Week

Personal Finance Tips: Summer Vacation

  • Plan ahead - make a budget
  • Track your spending - cross off your purchases and keep a running balance
  • Protect your identity - monitor bank and credit card activity
  • Have fun!


Connect with Us:


About Us
The Collaborative is a non-profit organization promoting economic security for North Carolina families through savings and financial education programs.


Saving Strategies

Building wealth starts when you set a goal and make a plan to reach that goal. Whatever goal you choose – whether it’s buying a car, buying a house, or getting out from under your debts – learn about proven savings strategies and get simple tips on the best ways to save. Click on the links below to learn how to:

Get out of debt

Save for a home

Save for a car

Save for emergencies

Save at work

America Saves is a campaign coordinated by the nonprofit Consumer Federation of America (CFA)
and is dedicated to helping individuals save money, reduce debt, and build wealth. CFA thanks Capital One
for its generous in-kind contribution of design expertise for this website.