UPGRADE
(Unite Purpose with Grit, Resilience, Action, Discipline, & Execution)
A Match Savings Initiative of the Campaign for Working Families
What is the UPGRADE Match Saving Initiative?
What We Offer
Matched Savings Opportunities
- Education: Save toward post-secondary education or vocational training while building skills to support long-term career and income growth
- Homeownership Savings: Build savings for a first-time home purchase expense while preparing for sustainable homeownership
- Emergency Savings: Create an emergency fund for unexpected, essential expenses that threaten housing, employment, or health.
Who Can Participate?
Participants must:
- Live in Philadelphia
- Have household income at or below 350% of the Federal Poverty Level
- Have a steady source of earned or unearned income
- Be willing to save monthly and complete the required financial education
- Meet asset-specific criteria:
- Education: enrolled or planning to enroll in an accredited postsecondary institution
- Homeownership: first-time homebuyer
- Emergency Savings: associated with a CWF program
Income Eligibility
The participant must have a household-adjusted gross income (AGI) that is equal to or less than 300% of the poverty line. See the chart to determine your income based on your family size.
Financial Services
Financial Literacy Education
Education: 3:1 Match
$3000 to Participant's $1000
Homeownership: 2:1 Match
$4000 to Participant's $2000
Emergency: 3:1 Match
$1500 to Participant's $500
Why Choose Us?
01
Set realistic short and long term personal, financial, and asset goals.
02
Design strategies to achieve their personal, financial, and asset goals.
03
Acquire financial skills and knowldge to make informed financial decisions.
04
Develop or improve fiscal self-discipline, self-awareness, and patterns of regular saving.
05
Improve self-esteem, self-confidence, and assertiveness, particularly about financial and consumer matters.
Register to attend CWF's UPGRADE Information Session
(Scheduled for every 2nd and 4th Thursday)