Personal Money Management Inc.

990EZ • Fiscal year 2013 • EIN 41-1841565

Jan 01, 2013 to Dec 31, 2013 • Filed on May 07, 2014

Organization Profile N/A

PO Box 2556716

(218) 281-3656

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

-6.6%

Higher net margin than 28% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

-26%

Faster asset growth than 17% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

-9.2%

Faster revenue growth than 33% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet

Liabilities / Assets55th percentile

Assets

Down

$19,181

Down $6,751 (-26%) from 2012

Net Assets

Down

$19,181

Down $6,751 (-26%) from 2012

Liabilities

Flat

Flat from 2012

Revenue And Expenses

Liabilities / Revenue56th percentile Net Margin28th percentile

Revenue

Down

$102,634

Down $10,412 (-9.2%) from 2012

Expenses

Down

$109,385

Down $4,170 (-3.7%) from 2012

Net Income

Down

-$6,751

Down $6,242 (-1226%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

Highlighted filing

2013

Assets$19,181

Liabilities$0

Net Assets$19,181

Open 2013 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

Highlighted filing

2013

Revenue$102,634

Expenses$109,385

Net Income-$6,751

Open 2013 Filing

Jump To

Filing Snapshot

Filing Period: Jan 1, 2013 to Dec 31, 2013
Signed: May 7, 2014
Return Version: 2013v3.0
Gross Receipts: $102,634

Mission and Program Overview

Mission

Financial counseling and education

Program Services

Description	Grants	Expenses
SERVED APPROXIMATELY 250 CLIENTS.	$0	$0
REPRESENTATIVE PAYEE FOR MENTALLY ILL AND ELDERLY.	$0	$0
DEBT MANAGEMENT TO INCLUDE CREDIT CARD DEBT, MEDICAL BILLS AND COLLECTION.	$0	$0

Compensation and Service Providers

Top Officer Pay73rd percentile

Employees

Name	Title	Full / Part Time	Base	Other	Total
JENNIFER PETERSON-ROSS	President	-	$0	-	-
KATHY ERDMANN	Vice President	-	$0	-	-
TINA CAMERON	Secretary/Treasurer	-	$0	-	-

Filing and Contact Details

Filer

EIN: 41-1841565
Phone: 2182813656

Signing Officer

Name: Jennifer Peterson-ross
Title: President
Phone: 2182813656
Signed: 2014-05-07
Discuss with paid preparer: Yes

Preparer

Preparer: Kim Durbin
Phone: 2182813789

Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 4 - Other Investment Income

“Description: INTEREST . Amount: 16.”

Form 990-EZ, Part I, Line 16 - Other Expenses

“Description: PROFESSIONAL ADMINSTRATIVE FEES . Amount: 100,650. Description: SERVICE FEES . Amount: 1,288. Description: MISCELLANEOUS . Amount: 3,200. Description: REFUNDS AND REIMBURSEMENTS . Amount: 438. Total to Form 990-EZ, line 16: 105,576.”

Raw XML Appendix169 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path	#	Value
IRS990EZ/ActivitiesNotPreviouslyRptInd	0	0
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1	0	JENNIFER PETERSON-ROSS
IRS990EZ/BooksInCareOfDetail/PhoneNum	0	2182813656
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1	0	POSTAL BUILDING SOUTH BROADWAY
IRS990EZ/BooksInCareOfDetail/USAddress/City	0	CROOKSTON
IRS990EZ/BooksInCareOfDetail/USAddress/State	0	MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode	0	56716
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt	0	25932
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt	0	19181
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd	0	0
IRS990EZ/CompensationOfHghstPdCntrctGrp/BusinessName/BusinessNameLine1	0	NORTHERN DATA PRO
IRS990EZ/CompensationOfHghstPdCntrctGrp/CompensationAmt	0	100650
IRS990EZ/CompensationOfHghstPdCntrctGrp/ServiceTypeTxt	0	THIRD PARTY ADMINISTRATOR
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/AddressLine1	0	PO BOX 25
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/City	0	CROOKSTON
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/State	0	MN
IRS990EZ/CompensationOfHghstPdCntrctGrp/USAddress/ZIPCode	0	56716
IRS990EZ/DirectIndirectPltclExpendAmt	0	0
IRS990EZ/DonorAdvisedFndsInd	0	0
IRS990EZ/EngagedInExcessBenefitTransInd	0	0
IRS990EZ/ExcessOrDeficitForYearAmt	0	-6751
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt	0	529
IRS990EZ/FiledScheduleAInd	0	1
IRS990EZ/ForeignFinancialAccountInd	0	0
IRS990EZ/ForeignOfficeInd	0	0
IRS990EZ/Form990TotalAssetsGrp/BOYAmt	0	25932
IRS990EZ/Form990TotalAssetsGrp/EOYAmt	0	19181
IRS990EZ/GrossReceiptsAmt	0	102634
IRS990EZ/InfoInScheduleOPartIInd	0	X
IRS990EZ/InfoInScheduleOPartVInd	0	X
IRS990EZ/InvestmentIncomeAmt	0	16
IRS990EZ/LobbyingActivitiesInd	0	0
IRS990EZ/MadeLoansToFromOfficersInd	0	0
IRS990EZ/MethodOfAccountingCashInd	0	X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt	0	25932
IRS990EZ/NetAssetsOrFundBalancesEOYAmt	0	19181
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt	0	25932
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt	0	19181
IRS990EZ/OccupancyRentUtltsAndMaintAmt	0	3280
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt	0	1.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt	1	1.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt	2	1.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt	1	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt	2	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt	1	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt	2	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt	1	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt	2	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm	0	JENNIFER PETERSON-ROSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm	1	KATHY ERDMANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm	2	TINA CAMERON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt	0	PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt	1	VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt	2	SECRETARY/TREASURER
IRS990EZ/OperateHospitalInd	0	0
IRS990EZ/Organization501c3Ind	0	X
IRS990EZ/OrganizationDissolvedEtcInd	0	0
IRS990EZ/OrganizationHadUBIInd	0	0
IRS990EZ/OtherAssetsTotalDetail/BOYAmt	0	0
IRS990EZ/OtherChangesInNetAssetsAmt	0	0
IRS990EZ/OtherExpensesTotalAmt	0	105576
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt	0	NONE
IRS990EZ/PoliticalCampaignActyInd	0	0
IRS990EZ/PrimaryExemptPurposeTxt	0	FINANCIAL COUNSELING AND EDUCATION
IRS990EZ/ProgramServiceRevenueAmt	0	102618
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt	0	SERVED APPROXIMATELY 250 CLIENTS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt	1	REPRESENTATIVE PAYEE FOR MENTALLY ILL AND ELDERLY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt	2	DEBT MANAGEMENT TO INCLUDE CREDIT CARD DEBT, MEDICAL BILLS AND COLLECTION.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt	0	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt	1	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt	2	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt	0	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt	1	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt	2	0
IRS990EZ/ProhibitedTaxShelterTransInd	0	0
IRS990EZ/RelatedOrganizationCtrlEntInd	0	0
IRS990EZ/ScheduleBNotRequiredInd	0	X
IRS990EZ/SchoolOperatingInd	0	0
IRS990EZ/SubjectToProxyTaxInd	0	0
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt	0	0
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt	0	0
IRS990EZ/TanningServicesProvidedInd	0	0
IRS990EZ/TaxImposedOnOrganizationMgrAmt	0	0
IRS990EZ/TaxImposedUnderIRC4911Amt	0	0
IRS990EZ/TaxImposedUnderIRC4912Amt	0	0
IRS990EZ/TaxImposedUnderIRC4955Amt	0	0
IRS990EZ/TaxReimbursedByOrganizationAmt	0	0
IRS990EZ/TotalExpensesAmt	0	109385
IRS990EZ/TotalProgramServiceExpensesAmt	0	0
IRS990EZ/TotalRevenueAmt	0	102634
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd	0	0
IRS990EZ/TypeOfOrganizationCorpInd	0	X
IRS990EZ/WebsiteAddressTxt	0	N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt	0	16
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt	0	29
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt	0	62
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt	0	125
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt	0	291
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt	0	523
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt	0	102618
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt	0	113017
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt	0	105737
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt	0	100653
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt	0	93410
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt	0	515435
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt	0	16
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt	0	29
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt	0	62
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt	0	125
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt	0	291
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt	0	523
IRS990ScheduleA/InvestmentIncomeCYPct	0	0.00100
IRS990ScheduleA/InvestmentIncomePYPct	0	0.00200
IRS990ScheduleA/PubliclySupportedOrg509a2Ind	0	X
IRS990ScheduleA/PublicSupportCY509Pct	0	0.99900
IRS990ScheduleA/PublicSupportPY509Pct	0	0.99800
IRS990ScheduleA/PublicSupportTotal509Amt	0	515435
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt	0	0
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt	0	0
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind	0	X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt	0	102618
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt	0	113017
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt	0	105737
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt	0	100653
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt	0	93410
IRS990ScheduleA/Total509Grp/TotalAmt	0	515435
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt	0	102634
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt	0	113046
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt	0	105799
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt	0	100778
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt	0	93701
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt	0	515958
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt	0	Description: INTEREST . Amount: 16.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt	1	Description: PROFESSIONAL ADMINSTRATIVE FEES . Amount: 100,650. Description: SERVICE FEES . Amount: 1,288. Description: MISCELLANEOUS . Amount: 3,200. Description: REFUNDS AND REIMBURSEMENTS . Amount: 438. Total to Form 990-EZ, line 16: 105,576.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc	0	Form 990-EZ, Part I, Line 4 - Other Investment Income
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc	1	Form 990-EZ, Part I, Line 16 - Other Expenses
TransferPrsnlBnftContractsDecl/DeclarationDesc	0	The organization did not, during the year, receive any funds, directly,or indirectly, to pay premiums on a personal benefit contract.The organization, did not, during the year, pay any premiums, directly,or indirectly, on a personal benefit contract.
ReturnHeader/BuildTS	0	2015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd	0	1
ReturnHeader/BusinessOfficerGrp/PersonNm	0	JENNIFER PETERSON-ROSS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt	0	PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum	0	2182813656
ReturnHeader/BusinessOfficerGrp/SignatureDt	0	2014-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1	0	PERSONAL MONEY MANAGEMENT
ReturnHeader/Filer/BusinessNameControlTxt	0	PERS
ReturnHeader/Filer/EIN	0	411841565
ReturnHeader/Filer/PhoneNum	0	2182813656
ReturnHeader/Filer/USAddress/AddressLine1	0	PO BOX 25
ReturnHeader/Filer/USAddress/City	0	CROOKSTON
ReturnHeader/Filer/USAddress/State	0	MN
ReturnHeader/Filer/USAddress/ZIPCode	0	56716
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN	0	450338391
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1	0	Drees Riskey & Vallager LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1	0	117 South Broadway
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City	0	Crookston
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State	0	MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode	0	56716
ReturnHeader/PreparerPersonGrp/PhoneNum	0	2182813789
ReturnHeader/PreparerPersonGrp/PreparationDt	0	2014-05-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm	0	Kim Durbin
ReturnHeader/ReturnTs	0	2014-05-08T16:39:49-05:00
ReturnHeader/ReturnTypeCd	0	990EZ
ReturnHeader/TaxPeriodBeginDt	0	2013-01-01
ReturnHeader/TaxPeriodEndDt	0	2013-12-31
ReturnHeader/TaxYr	0	2013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing

Assets: $19,181
Liabilities: $0
Net assets: $19,181
Revenue: $102,634
Expenses: $109,385
Net income: -$6,751

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net Income
2024Detailed filing. Detailed filing data is available for this year.	$0.14		$0.14	$1.75	$1.77	$0.01
2023Detailed filing. Detailed filing data is available for this year.	$0.16		$0.16	$1.65	$1.69	$0.04
2022Detailed filing. Detailed filing data is available for this year.	$0.19	$0.00	$0.19	$1.53	$1.54	$0.01
2021Detailed filing. Detailed filing data is available for this year.	$0.20	$0.00	$0.20	$1.39	$1.41	$0.02
2020Detailed filing. Detailed filing data is available for this year.	$0.22	$0.00	$0.22	$1.31	$1.36	$0.05
2019Detailed filing. Detailed filing data is available for this year.	$0.27	$0.00	$0.27	$1.30	$1.22	$0.07
2018Detailed filing. Detailed filing data is available for this year.	$0.20	$0.00	$0.20	$1.16	$1.27	$0.11
2017Detailed filing. Detailed filing data is available for this year.	$0.31	$0.00	$0.31	$1.21	$1.20	$0.01
2016Detailed filing. Detailed filing data is available for this year.	$0.29	$0.00	$0.29	$1.21	$1.14	$0.07
2015Detailed filing. Detailed filing data is available for this year.	$0.22	$0.00	$0.22	$1.27	$1.33	$0.06
2014Detailed filing. Detailed filing data is available for this year.	$0.28	$0.00	$0.28	$1.31	$1.22	$0.09
2013Detailed filing. Detailed filing data is available for this year.	$0.19	$0.00	$0.19	$1.03	$1.09	$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.	$0.26	$0.00	$0.26	$1.13	$1.14	$0.01
2011Summary only. Only limited summary data is available for this year.	$0.26	$0.00		$1.06	$1.02	$0.03