List of Resources

Below is a list of resources compiled, reviewed and updated periodically as a service to the Encouragement Well community.  The list is not exhaustive and if you are aware of other resources that should be considered, please forward those suggestions to Admin@encouragementwell.com. Encouragement Well only provides this resource list for informational purposes and in no way validates or accepts responsibility for the services provided by these third-party sources.  By clicking on a link listed below, you acknowledge and understand that you will be connected to a web site operated by a third party not affiliated with encouragementwell.com.

Adult Services

The National Domestic Violence Hotline

  • 800-799-7233 (SAFE)
  • 787.3224 (TTY)
  • ndvh.org

Deaf Abused Women’s Network (DAWN)

     (855) 812-1001

National Sexual Assault Hotline

National Dating Abuse Helpline

Pathways to Safety International

National Center for Victims of Crime

Casa de Esperanza

Child Services

Childhelp National Abuse Hotline

  • 1-800-422-4453

Child Welfare Information Gateway

  • State Child Abuse and Neglect Reporting Numbers

National Information Page for Reporting

National Center for Missing and Exploited Children

United States Department of Justice – Action Center

Legal Support

American Bar Association Commission on Domestic Violence

Battered Women’s Justice Project

Legal Momentum


National Clearinghouse for the Defense of Battered Women

Legal Network for Gender Equity

Locating Shelter

Safe Horizon


Comprehensive Overview

Investopedia’s Ultimate Guide to Financial Literacy

Great resource for anyone looking for a broad-based understanding of basic personal finance and practical every day applications.

Mr. Money Mustache

If you haven’t heard of this guy you need to check out his site.  Funny, irreverent and a bit extreme in his approach, the Mustache brings home the point that to achieve financial independence one has to adjust their mindset and follow the simple discipline of spending less than you earn, invest the surplus and avoid debt.


Folks this is not brain surgery.  And it is only as hard as you make it.  The most important step is developing a growth mindset that enables you to progress toward your goal in small ways on a daily basis and develop a willingness to persevere.    

I am not a proponent of spending a lot of money on budgeting programs.  You can do this on your own without exposing your financial information online through apps or alleged gurus.  Most gurus have stolen their “strategies” from previously free sources and repackaged them to sell to you.

Other than Investopedia, the balance does a really nice job of providing sound guidance in the area of budgeting. I’m not a proponent of their bent toward credit cards – but the site has to pay the bills and I understand their motive for the business relationship.  You just need to be disciplined and wise enough not to go down that path.   Credit has its place, but only as a tool to allow you to leverage your own money without risk.  The improper use of credit is how you can end up being controlled by your creditors – much like an addict is by their dealer.  Hint:  If you are using credit to cashflow your lifestyle – you have a habit that needs to be addressed immediately.


JL Collins – The Simple Path to Wealth

I love JL Collins’ approach to investing.  Its simple, straightforward and effective.  You won’t be overwhelmed by hype, arrogance or someone looking for the next sexy thing in finance.  This man knows what he’s talking about and if you are wise, you will pay attention and listen.

Morningstar online classroom is a great educational source in addition to JL Collins, Mr. Money Mustache,  and Investopedia.  Morningstar covers the full spectrum of investing with over 170 different text based courses.  You just sign up with your e-mail for free access.

Buying/Leasing a Vechicle

The world is rapidly evolving.  What was once a clear-cut choice, is often no longer the case.  The decision to purchase or lease a vehicle is now determined by where we live, how often we drive, how far we drive and the cost of storage/parking.  The time is rapidly approaching where we may be subscribing to a monthly vehicle service as opposed to leasing or buying. 

There is a little known federal agency that exists which offers some very good information on various topics including auto loans.  Before doing anything, go online and check out the Consumer Financial Protection Bureau Website to read about the various protections that you have in obtaining auto loans and the pitfalls to avoid.

Investopedia offers some great articles and resources on purchasing versus leasing vehicles.  Also, check out JL Collins take on buying a car.

The bottom line is this:  Buying or leasing a vehicle is not an investment decision.  You are purchasing a consumable good that is going to depreciate in value.  Absent your having money to burn, any decision to purchase or lease should be solely driven by obtaining the highest value for the least cost.  Do your research and then proceed forward with confidence and without remorse.

Renting An Apartment/House

Agencies exist that can assist you with locating rental services, assistance and understanding your rights and responsibilities as a tenant.  You need to learn to be your own best advocate by understanding the resources available to you and how to use them to access and retain good housing.

Tenant Resource Center – Listing of Organizations by State

U.S. Department of Housing and Urban Development

Buying a Home

Is buying a home a good investment for you?  Research, understand and make an informed decision before taking the step of purchasing a home.  There are pros and cons to home ownership and only you can decide what is the best option for your circumstance.  Below are some great resources for you to read and become more informed.

Consumer Finance Protection Bureau – Owning A Home

U.S. Department of Housing and Urban Development – Buying A Home

Investopedia – Home Ownership

JL Collins – Home Ownership

Substance Abuse and Mental Health Services Administration


National Helpline

1-800-662-HELP (4357)

Treatment referral and information, 24/7.

Suicide prevention lifeline

1-800-273-TALK (8255)

Free and confidential support for people in distress, 24/7.

Disaster Distress Helpline


Immediate crisis counseling related to disasters, 24/7.

National Institute on Alcohol Abuse and Prevention


NIAA Treatment Navigator


Mindset, specifically Growth Mindset, is the foundation for a productive full life in which you can maximize the realization of your dreams.  It is the key to learning how to stop limiting yourself and allowing others to limit you.  The leading authority on Growth Mindset is Carol Dweck, a Stanford professor who has spent years researching and developing this core life concept.

Carol Dweck Ted Talk: The Power of Believing that You Can Improve

Carol Dweck Harvard Business Review: What having a growth mindset actually means

Carol Dweck: Talks at Google – The Growth Mindset


Habit formation is the most powerful force that we can control in determining whether or not we achieve the lives that we seek.  By developing bad habits, we create roadblocks for ourselves that work against us every day.  By implementing a Growth Mindset, we can change those bad habits we have developed and create good habits that can put us on the path to a more satisfying life.


We all suffer from times when we are not “feeling it” and are stuck. Below are some resources on how to develop motivation organically without the use of toxic sources or substances. 


Flow: The Experience of Intrinsic Motivation

8 Ways to Create Flow

FLOW by Mihaly Csikszentmihaly – Book Summary

How to Get Into the Flow State

Videos on Motivation by Andrew Huberman at the Huberman Lab Podcast

How to Increase Motivation & Drive

Controlling Your Dopamine for Motivation, Focus & Satisfaction

Skill Development

Personal Behavior