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Creating A World Where All Women & Girls Are Financially Empowered

WHO WE ARE

Women's Money Matters builds the financial wellness, confidence, and security of women and girls living on low-incomes through a unique program that combines instructional workshops and personal, one-to-one coaching.

GET INVOLVED

OUR IMPACT

260

Programs Implemented

2,397

Core Program Participants

2,271

Volunteers Engaged

WHY WOMEN & GIRLS?

women pay gap

Women earn 82 cents for every dollar men earn in the US and the gap is larger for women of color. 

women's financial literacy gap

The financial literacy gap between men and women in the US is about 59% wider than the rest of the world.

33% single mother households in Massachusetts live in poverty

IN THEIR WORDS

"I'm a single mother. What I saw in Women's Money Matters was a way to empower women to be financially independent. You don't need an unreliable boyfriend. You don't need a husband if that doesn't happen for you. You can do it on your own."

LauraProgram Leader

"Before I started the topic, 'financial literacy' brought me feelings of anxiety."

AnonymousParticipant

"Our staff values Women's Money Matters because we recognize how fundamentally important financially literacy is. It's the springboard for anything our residents want to do in their lives. It's great to have hopes and dreams, but that financial foundation is how they're going to get there."

SusanaYWCA Northeastern MA

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Women's Money Matters is more than just financial education—it's a supportive community where you'll gain the tools AND the personal attention you deserve. Join us to transform your relationship with money alongside other women in a supportive environment!
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Upcoming Start Dates for 8-week Programs
📅 Financial Futures (for adults) Program Start Dates
Nov 15th | Saturdays | 9:30 AM
Nov 18th | Tuesdays | 6:30 PM
Nov 24th | Mondays | 12 PM
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📅 Life Launch (ages 14-22) 11-Week Program
Nov 18th |  Tuesdays |  6 PM
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📅Level Up Workshop – for Graduates and Current Participants
Nov 6th | Debt & Bankruptcy 101 | Thursday | 6:30pm
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See links below to join us!

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Advocacy in action!  There’s been a significant step forward in ensuring all Massachusetts students receive financial education before graduating high school: The Massachusetts House Education Committee has voted 11-0 to approve House Bill 627, an Act that strengthens the standards of financial literacy for K-12 throughout the commonwealth.
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Key parts of the bill: ✅Minimum of 1/2 semester course in personal finance required to graduate from HS ✅Establishes the Financial Literacy Trust Fund ✅ Requires experiential learning ✅Creates a commission to study financial resources for adults. 
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This unanimous vote demonstrates strong bipartisan support for financial literacy education. The bill now moves to the House Committee on Ways and Means for further review.
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While this is tremendous progress, our advocacy work continues. We'll keep pushing for:  Expanded standards for grades K-8 District accountability and reporting requirements to DESE
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Your voices made this happen. Thank you to everyone who testified, wrote letters, and stood up for financial education equity in Massachusetts.
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Bill details: Bill H.627
What do you think? Let your legislators know! Share your story! Keep the momentum going - continue writing to your legislators – link in comments.
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#FinancialEducation #Massachusetts #Advocacy #WomensMoneyMatters #FinancialLiteracy #EquityInEducation

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If you or someone you know relies on SNAP (food stamps), please read this carefully and share widely.
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What's Happening?
Due to the ongoing government shutdown, approximately 42 million Americans may not receive their SNAP benefits in November. Multiple states have already issued warnings that benefits may be delayed or not issued at all starting November 1st.
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What to do:
Use remaining October benefits to stock up on shelf-stable foods (canned goods, rice, pasta, dried beans, peanut butter)
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Check your EBT card balance - some states warn that October balances may not carry over
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Update your contact information with your state SNAP office to receive alerts
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Submit any pending applications or renewals immediately - even if processing is delayed, your case will move forward once the shutdown ends
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Need food now? Find Local Options near you:
🟢Feeding America Food Bank Locator: feedingamerica.org/find-your-local-foodbank
🟢Massachusetts residents: Call Project Bread's FoodSource Hotline at 1-800-645-8333
🟢Find local food pantries: Visit mass.gov/how-to/find-a-local-food-bank
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Important to Know:
✅ Benefits will be reimbursed once the government reopens - this is a delay, not a permanent cut
✅ Keep applying/renewing - your application will be processed when operations resume
✅ Food banks are preparing for increased demand but cannot fully replace SNAP (for every 1 meal food banks provide, SNAP provides 9)
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We're in this together. Check on your neighbors, friends, and family members who receive SNAP and please share this information with anyone who might need it.

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We’re inviting our WMM community to our next Level Up workshop: Debt & Bankruptcy 101. This one-time session is designed for individuals and families living on limited income who want to better understand how to manage debt and whether bankruptcy might be the right step.
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Exclusively for WMM grads, current participants, and volunteers
📅 November 6th | 6:30-8 PM EST | Virtual In English
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If you’re living paycheck to paycheck or feeling overwhelmed by debt, this session will give you practical guidance and confidence to take control of your finances.
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Ready to level up? Register at the link in the comments, or Text: 617-297-7376  or Email: programs@womensmoneymatters.org

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Elevate Her Future is Coming Up This Friday! 
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Join us this Friday, October 17th from 8:30 AM – 10:30 AM at the Boston Marriott Newton (2345 Commonwealth Ave, Newton) as we celebrate 15 years of empowering women and girls with financial skills and resources.
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Start your morning with breakfast and inspiration, connect with others committed to making a difference, and help shape the future of financial empowerment.
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Tickets: $75 – Available online and at the door. Learn more and purchase tickets at our website.
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Thank you to our wonderful sponsors: @rockland_trust, Acadian, @grasshopperbank, @experienceberrydunn, @womensbusinessleague, and @statestreetim_us. Additional thanks to WMM Board Member Carolyn M. Wood, The Family of
Karol Ostberg, WMM AG Member Jessica Scola, and all of our anonymous donors.
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We'll see you all on Friday!

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We are thrilled to share that Women’s Money Matters has received an $82,500 grant from the @MassMutual Foundation to bring our financial wellness programs to Springfield, MA—one of the areas of greatest need in the state. With this support, we will extend our proven model of financial literacy workshops, personalized coaching, and community-based support to more women striving to build brighter, more secure futures for themselves and their families.
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As part of this expansion, we are also investing $7,500 to join @unioncapitalnetwork, a powerful community network - and fellow MassMutual Foundation grantee - that strengthens local connections by engaging families in programs, sharing resources, and supporting collective action.
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Why Springfield? The need is urgent: Springfield’s poverty rate (25.26%) is more than double the Massachusetts average (11.5%), and nearly 1 in 3 women in Springfield (29.1%) lives in poverty, compared to just 9.9% in Quincy.
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This grant builds on a deep and growing partnership with the MassMutual Foundation. We are deeply grateful to the MassMutual Foundation for their generous investment and continued commitment to advancing financial security for women and families across Massachusetts. Together, we are building stronger, more resilient communities.

#WomensMoneyMatters #MassMutual #UnionCapital

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Financial confidence grows through connection to a community that believes in empowerment and possibility. Join us at Elevate Her Future on October 17th as we celebrate the women and girls whose financial journeys are supported by a community of partners, coaches, and advocates.
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We are grateful for the support of our Elevate Her Future sponsors, whose leadership and commitment strengthen our network of support:
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Corporate Sponsors: 
💫 @rockland_trust 💫  @grasshopperbank 💫  @experienceberrydunn 💫 @statestreetim_us 💫 Acadian 💫 @womensbusinessleague
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Individual Sponsors:
💫 Jessica Scola, Sound View Financial Advisors 💫 Carolyn M. Wood, WMM Board Member 💫 Family of Karol Ostberg
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Elevate Her Future is your opportunity to meet the WMM community of support in person and connect with others who share our commitment to this mission. When a woman gains the confidence and skills to take control of her financial future, it’s often thanks to a community that believes in her potential.
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Come celebrate 15 years of Women’s Money Matters and look ahead to an even brighter future together.
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📅 Friday, October 17th, 2025 | 8:30–10:30 AM
📍 Boston Marriott Newton
🎟️ Tickets: $75 individual

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Women's Money Matters is partnering with The Second Step for this workshop. The workshop will explore the fundamentals of domestic violence with a special focus on financial abuse—how to recognize it, respond with care, and support someone using practical tools and real-life scenarios. We’ll also share more about The Second Step’s work and how to connect with resources.
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Wednesday, October 15th, 6:00 PM EST  Virtual in English
Ready to level up? Register at the link in the comments, or Text: 617-297-7376  or Email: programs@womensmoneymatters.org

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