Free, plain-language financial education in English and Persian — built for real decisions, not score promises. Start with the topic that matches your question: credit scores, credit reports, building credit, credit cards, debt, or protecting your identity. Every guide links to official sources from the CFPB, FTC and FICO.
What you’ll find here
- Six topic hubs with more than 50 English articles and matching Persian translations
- Persian video lessons and reading guides
- Six books by Mani Hatami, plus a free Farsi credit e-book
- Checklists you can use today — and help in Persian when you need it
Start with a topic
| Topic | Start here if… |
|---|---|
| Credit scores | You want to know what your number means and what moves it |
| Credit reports & errors | You need to read your report or dispute a mistake |
| Building credit | You are new to the U.S. or have no credit history |
| Credit improvement | You want a realistic plan or are considering credit repair |
| Debt options | Payments are getting hard and you want to compare options |
| Identity protection | You saw an unknown account, a breach notice or a suspicious call |
Credit cards and balances
Understand statements, interest, grace periods, balance transfers and utilization before they cost you money.
- Statement Closing Date vs. Payment Due Date: A Credit Card Calendar That Works
- Credit Utilization: Check Each Card and Your Overall Ratio
- Beyond the Minimum Payment: Build a Credit Card Payoff Plan You Can Maintain
- How Credit Card Interest Works: A Simple APR Example and a Statement Checklist
- Balance Transfer Math: Include the Fee, Deadline and Post-Promotion Rate
- Before Closing a Credit Card: Compare Fees, Spending Risk and Utilization
- Residual Interest After Paying Off a Card: Why Another Small Bill Can Arrive
- Credit Card Grace Periods: Check the Purchase Terms Before Carrying a Balance
Consumer rights and identity protection
Freezes, fraud alerts, data breaches, fake debt collectors, phishing and child identity theft — what to do, step by step.
- An Account You Do Not Recognize: A Calm Credit Report Response Plan
- Credit Freeze vs. Fraud Alert: Choose the Protection You Mean to Use
- After a Data Breach: A Credit-Protection Checklist Based on What Was Exposed
- Fake Debt Collector Warning Signs: Verify Before You Pay
- “Your Credit Score Dropped” Texts: Spot Phishing Before You Sign In
- Child Identity Theft: A Parent’s Credit-Protection Checklist
- Billing Error or Credit Report Error? Use the Right Dispute Route
- Charged After Canceling a Subscription? Preserve the Confirmation and Check the Bill
Persian video lessons and workshops
Short lessons in Persian on practical money topics. See the full Education & Events page for upcoming workshops.
- کردیت بیزنس؛ گزارشها و امتیازهای تجاری
- بهره معوق یا Deferred Interest چیست؟
- برداشت نقدی از کردیت کارت؛ Cash Advance
- اشتباهات رایج در مدیریت کردیت
- پسانداز؛ شروع یک برنامه قابلاجرا
- کاهش فشار بدهی؛ گزینهها و پرسشهای مهم
Read in Persian
Every English article on this site has a Persian version. Browse the Persian articles or go straight to a Persian topic.
A simple monthly money routine
- Review every statement and confirm last month’s payments posted.
- Check upcoming due dates against the money in your account.
- Put any extra money toward one chosen goal — a savings buffer or the highest-rate debt.
- Look at one of your free credit reports and note anything unfamiliar.
- Write down one question to ask before your next financial decision.
Financial education FAQs
Is this financial advice?
No. Everything here is general education. For decisions about your own situation, talk with a qualified professional — or start with a free conversation with Mani.
Are the resources available in Persian (Farsi)?
Yes. Every article has a Persian version, plus Persian video lessons, four Persian books and a free Farsi e-book.
Where should I start if I just moved to the U.S.?
Start with Building credit and the book Credit for a New Life.
Do you offer workshops?
Workshops and community conversations are announced on the Education & Events page.
Go deeper with Mani’s books
- Credit for a New Life (English) — a beginner’s guide to the U.S. credit system for immigrants and newcomers.
- Credit First, Success Next (English) — building the credit foundation behind bigger goals.
- Credit 101 (Persian) — 101 short, practical lessons on reports, balances, inquiries and habits.
- Everything You Need to Know About Credit (Persian) — a complete guide to credit and consumer rights in the U.S.
- From Debt to Freedom (Persian) — a practical guide to financial recovery.
- A to Z of Loans in the United States (Persian) — understand loans before you borrow.
- Free Farsi credit e-book · All books
به فارسی: آموزش مالی رایگان
همه مقالات این سایت نسخه فارسی دارند. از دستهبندیهای فارسی شروع کنید، ویدیوهای آموزشی را ببینید یا کتاب الکترونیکی فارسی رایگان را دانلود کنید. دستهبندی مقالات فارسی · به فارسی با ما صحبت کنید
Not sure where to start?
Tell us your question — in English or Persian — and we’ll point you to the right resource or talk it through.
Independent resources: CFPB, FTC, IdentityTheft.gov. Reviewed November 2026. General education; no specific outcome is guaranteed.