Having regular income is important for independence. Income can come from different places, such as work (earned income) or benefits (unearned income). Understanding how to manage your income and lower your costs can help you make the most of the money you have.

If you don't have as much money as you'd like, you might ask: 

  • Where does my money come from, and where does it go? Creating a budget and a monthly spending plan can help you use your money wisely — and keep more money in your pocket.
  • How can I cut costs? Write down what you spend your money on, and then look for areas to trim. You might apply for energy assistance or look for programs to help pay your health care costs.
  • How can I increase my earned income? To earn more money, you have three basic options: ask for a raise, work more hours or look for a job that pays more.
  • Are my benefits supporting my best life as well as they could? It's important to understand your benefits and the related income rules, or work incentives. You can use benefits planning to make sure you're getting the right benefits for you.
  • Do I qualify for tax credits? With tax credits or refunds, you could get money back from federal or state taxes. You might also be able to get free help filing your taxes.


Learn more

Booklets to help talk about money | Consumer Financial Protection Bureau 

Work incentives: The basics | Disability Benefits 101

Earned Income Tax Credit: The basics | Disability Benefits 101

Free tax preparation sites | Minnesota Department of Revenue


How the Hub can help

The Hub team can help you: 

  • Explore work as an option
  • Identify work incentives to help you reach your goals
  • Find tools for budgeting and spending plans
  • Consider additional benefits, such as energy, phone and food assistance
  • Find free tax assistance

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