Civic Intelligence

Womens Money Matters Inc.

990 • Fiscal year 2021 • EIN 90-0688545

Jul 01, 2020 to Jun 30, 2021 • Filed on Oct 18, 2021

Organization ProfileWWW.BUDGETBUDDIES.ORG
6 Liberty Square 2697Boston, MA 02109

(617) 297-7376

Siviq Scores

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

Liabilities / Assets

58th percentile

0.05x

Higher debt load relative to assets than 58% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Liabilities / Revenue

57th percentile

0.05x

Higher debt load relative to revenue than 57% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Net Margin

81st percentile

40%

Higher net margin than 81% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Top Officer Pay

88th percentile

$100,038

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Asset Growth

86th percentile

61%

Faster asset growth than 86% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Revenue Growth

77th percentile

58%

Faster revenue growth than 77% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$902,646

Up $340,807 (+61%) from 2020

Net Assets

Up

$853,899

Up $380,195 (+80%) from 2020

Liabilities

Down

$48,747

Down $39,388 (-45%) from 2020

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin81st percentile

Revenue

Up

$903,739

Up $331,801 (+58%) from 2020

Expenses

Up

$541,005

Up $23,117 (+4.5%) from 2020

Net Income

Up

$362,734

Up $308,684 (+571%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$1.5M$1.0M$500K$0Assets 2011: $7,720Liabilities 2011: $02011Assets 2012: $8,429Liabilities 2012: $02012Assets 2013: $27,296Liabilities 2013: $02013Assets 2014: $57,175Liabilities 2014: $4952014Assets 2015: $139,461Liabilities 2015: $7,411Net Assets 2015: $132,0502015Assets 2016: $219,355Liabilities 2016: $3,711Net Assets 2016: $215,6442016Assets 2017: $222,226Liabilities 2017: $6,672Net Assets 2017: $215,5542017Assets 2018: $249,232Liabilities 2018: $4,462Net Assets 2018: $244,7702018Assets 2019: $430,410Liabilities 2019: $10,756Net Assets 2019: $419,6542019Assets 2020: $561,839Liabilities 2020: $88,135Net Assets 2020: $473,7042020Assets 2021: $902,646Liabilities 2021: $48,747Net Assets 2021: $853,8992021Assets 2022: $1,138,707Liabilities 2022: $56,708Net Assets 2022: $1,081,9992022Assets 2023: $1,193,768Liabilities 2023: $25,896Net Assets 2023: $1,167,8722023Assets 2024: $1,485,270Liabilities 2024: $40,431Net Assets 2024: $1,444,8392024

Highlighted filing

2021

Assets$902,646
Liabilities$48,747
Net Assets$853,899
Open 2021 Filing

Operations Trend

Revenue Growth77th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $9,057Expenses 2011: $1,337Net Income 2011: $7,7202011Revenue 2012: $9,553Expenses 2012: $8,844Net Income 2012: $7092012Revenue 2013: $39,888Expenses 2013: $21,021Net Income 2013: $18,8672013Revenue 2014: $66,258Expenses 2014: $37,600Net Income 2014: $28,6582014Revenue 2015: $170,329Expenses 2015: $94,959Net Income 2015: $75,3702015Revenue 2016: $269,214Expenses 2016: $200,367Net Income 2016: $68,8472016Revenue 2017: $321,548Expenses 2017: $321,638Net Income 2017: -$902017Revenue 2018: $385,237Expenses 2018: $356,021Net Income 2018: $29,2162018Revenue 2019: $593,985Expenses 2019: $419,101Net Income 2019: $174,8842019Revenue 2020: $571,938Expenses 2020: $517,888Net Income 2020: $54,0502020Revenue 2021: $903,739Expenses 2021: $541,005Net Income 2021: $362,7342021Revenue 2022: $1,082,743Expenses 2022: $764,588Net Income 2022: $318,1552022Revenue 2023: $1,099,781Expenses 2023: $1,013,908Net Income 2023: $85,8732023Revenue 2024: $1,489,221Expenses 2024: $1,212,254Net Income 2024: $276,9672024

Highlighted filing

2021

Revenue$903,739
Expenses$541,005
Net Income$362,734
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2020 to Jun 30, 2021
Signed
Oct 18, 2021
Return Version
2020v4.0
Gross Receipts
$934,030
Mission and Program Overview

Mission

Budget buddies, inc. Empowers low-income women through financial literacy. The organization's comprehensive programming combines one-to-one coaching with a series of workshops that develop core money-management skills and self-esteem.

Budget buddies, inc. Provides financial wellness programs for women on low incomes in the state of massachusetts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities-$421,806-
Cash and Non-Interest-Bearing Accounts$507,454$417,228▼ $90,226
Pledges and Grants Receivable$53,834$30,000▼ $23,834
Land, Buildings, and Equipment, Net-$29,835-
Prepaid Expenses and Deferred Charges-$3,777-
Total Assets$561,839$902,646▲ $340,807
Other Assets Total$551--
Liabilities
Unsecured Notes Loans Payable$72,500--
Accounts Payable and Accrued Expenses$15,635$48,747▲ $33,112
Total Liabilities$88,135$48,747▼ $39,388
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$455,868$732,773▲ $276,905
Net Assets With Donor Restrictions$17,836$121,126▲ $103,290
Total Net Assets Fund Balance$473,704$853,899▲ $380,195
Total Liabilities and Net Assets / Fund Balance$561,839$902,646▲ $340,807

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$29,835$3,315$33,150
Equipment-$2,907$2,907
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Danielle PiskadloExecutive DiFT$97,125$2,913$100,038

Board Members and Trustees

NameTitle
Robin ToofChair
Brandie ConfortiVice Chair
Britta TruskeyDirector
Darlene HaganDirector
Gisel LopezDirector
Katherine MccabeDirector
Lisa WhittemoreDirector
Myshawndria WardDirector
Sean SpauldingDirector
Shannon GathDirector
Shandra GardinerClerk
Anne MuitaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$873,409
Program Service Revenue
$25,000
Investment Income
$4,963
Other Revenue
$367
All Other Contributions
$655,093
Change in Net Assets
$362,734

Audited Revenue Reconciliation

Revenue per Audited Statements
$903,739
Revenue Not Reported on Form 990
$17,461
Total Revenue per Audited Statements
$921,200
Total Revenue per Form 990
$903,739
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$433,122
Other Expenses$107,883
Total Fundraising Expense$82,670
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$203,281$30,861$52,765$286,907
Current Officers, Directors, Trustees, and Key Employees$65,413$17,061$18,689$101,163
Payroll Taxes$26,031$3,668$6,967$36,666
Information Technology$17,204--$17,204
Fees for Services Accounting-$14,143-$14,143
Office Expenses$7,356$3,613$2,224$13,193
Other Employee Benefits-$7,787-$7,787
Occupancy$5,286$745$1,414$7,445
Insurance$4,948--$4,948
Depreciation Depletion-$3,315-$3,315
Advertising$1,214$171$325$1,710
Fees for Services Other$1,069$151$286$1,506
Other Expenses$42,698$1,035-$1,035
Travel$677--$677
Pension Plan Contributions-$599-$599
Conferences and Meetings-$9-$9
Total Functional Expenses$375,177$83,158$82,670$541,005

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$541,005
Total Expenses per Audited Statements$541,005
Total Expenses per Form 990$541,005
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$3,433
Fundraising Direct Expenses$3,066
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Lunafest$16,464$3,433$3,066$367
Total Events$16,464$3,433$3,066$367
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Prior to filing, the form 990 is reviewed by the finance committee of the board of directors. The form 990 is then reviewed by budget buddie's board of directors. The form 990 will be filed upon approval by the finance committe and board of directors.”

Form 990, Page 6, Part VI, Line 12C

“Annual statements of disclosure (and amendments thereto) will be reviewed by the board of directors to determine whether a potential conflict of interest exists and whether or not the conflict of interest would materially and adversely affect the interests of budget buddies, inc. While any potential conflict of interest is under review by the board of”

Form 990, Page 6, Part VI, Line 19

“All documents are stored on site and available upon request.”

Filing and Contact Details

Filer

Filer Name
Budget Buddies Inc
EIN
90-0688545
Phone
6172977376
Address
6 LIBERTY SQUARE 2697, BOSTON, MA 02109

Signing Officer

Name
Danielle Piskadlo
Title
Executive Director
Phone
9787030820
Signed
2021-10-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Danielle Piskadlo
Formed
2011
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
9
Volunteers
186

Preparer

Firm
Anstiss & Co Pc
Address
1115 WESTFORD STREET 3RD FLOOR, LOWELL, MA 01851-2701
Preparer
Richard B Dionne
Phone
9784522500
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Budget buddies, inc. Empowers low-income women through financial literacy. The organization's comprehensive programming combines one-to-one coaching with a series of workshops that develop core money management skills and self-esteem.”

Financial Statement Notes

Schedule D, Page 3, Part X

“Budget buddies, inc., incorporated under chapter 180 of the massachusetts general laws as a tax-exempt entity, has been granted tax-exempt status under internal revenue code section 501(c)(3). Therefore, it is generally exempt from federal and state income taxes. Accordingly, no provision for income taxes has been provided for in the accompanying financial statements. Asc 740-10, "income taxes," requires the organization to evaluate and disclose tax positions that could have an effect on the organization's financial statements. Budget buddies, inc. Reports its activities to the internal revenue service and to the commonwealth of massachusetts on an annual basis. These informational returns are generally subject to audit and audit by the governmental agencies for a period of three years after filing. Substantially all of budget buddies, inc. Income, expenditures and activities relate to its exempt purpose. Therefore, management has determined that the organization is not subject to unrelated business income taxes and will continue to qualify as a tax-exempt not-for-profit entity.”

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IRS990/MissionDesc0BUDGET BUDDIES, INC. EMPOWERS LOW-INCOME WOMEN THROUGH FINANCIAL LITERACY. THE ORGANIZATION'S COMPREHENSIVE PROGRAMMING COMBINES ONE-TO-ONE COACHING WITH A SERIES OF WORKSHOPS THAT DEVELOP CORE MONEY MANAGEMENT SKILLS AND SELF-ESTEEM.
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0EVENT REVENUE 6,678
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BUDGET BUDDIES, INC., INCORPORATED UNDER CHAPTER 180 OF THE MASSACHUSETTS GENERAL LAWS AS A TAX-EXEMPT ENTITY, HAS BEEN GRANTED TAX-EXEMPT STATUS UNDER INTERNAL REVENUE CODE SECTION 501(C)(3). THEREFORE, IT IS GENERALLY EXEMPT FROM FEDERAL AND STATE INCOME TAXES. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN PROVIDED FOR IN THE ACCOMPANYING FINANCIAL STATEMENTS. ASC 740-10, "INCOME TAXES," REQUIRES THE ORGANIZATION TO EVALUATE AND DISCLOSE TAX POSITIONS THAT COULD HAVE AN EFFECT ON THE ORGANIZATION'S FINANCIAL STATEMENTS. BUDGET BUDDIES, INC. REPORTS ITS ACTIVITIES TO THE INTERNAL REVENUE SERVICE AND TO THE COMMONWEALTH OF MASSACHUSETTS ON AN ANNUAL BASIS. THESE INFORMATIONAL RETURNS ARE GENERALLY SUBJECT TO AUDIT AND AUDIT BY THE GOVERNMENTAL AGENCIES FOR A PERIOD OF THREE YEARS AFTER FILING. SUBSTANTIALLY ALL OF BUDGET BUDDIES, INC. INCOME, EXPENDITURES AND ACTIVITIES RELATE TO ITS EXEMPT PURPOSE. THEREFORE, MANAGEMENT HAS DETERMINED THAT THE ORGANIZATION IS NOT SUBJECT TO UNRELATED BUSINESS INCOME TAXES AND WILL CONTINUE TO QUALIFY AS A TAX-EXEMPT NOT-FOR-PROFIT ENTITY.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BUDGET BUDDIES, INC. EMPOWERS LOW-INCOME WOMEN THROUGH FINANCIAL LITERACY. THE ORGANIZATION'S COMPREHENSIVE PROGRAMMING COMBINES ONE-TO-ONE COACHING WITH A SERIES OF WORKSHOPS THAT DEVELOP CORE MONEY MANAGEMENT SKILLS AND SELF-ESTEEM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR TO FILING, THE FORM 990 IS REVIEWED BY THE FINANCE COMMITTEE OF THE BOARD OF DIRECTORS. THE FORM 990 IS THEN REVIEWED BY BUDGET BUDDIE'S BOARD OF DIRECTORS. THE FORM 990 WILL BE FILED UPON APPROVAL BY THE FINANCE COMMITTE AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUAL STATEMENTS OF DISCLOSURE (AND AMENDMENTS THERETO) WILL BE REVIEWED BY THE BOARD OF DIRECTORS TO DETERMINE WHETHER A POTENTIAL CONFLICT OF INTEREST EXISTS AND WHETHER OR NOT THE CONFLICT OF INTEREST WOULD MATERIALLY AND ADVERSELY AFFECT THE INTERESTS OF BUDGET BUDDIES, INC. WHILE ANY POTENTIAL CONFLICT OF INTEREST IS UNDER REVIEW BY THE BOARD OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL DOCUMENTS ARE STORED ON SITE AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalLiabilitiesGrp/BOYAmt088135
IRS990/TotalLiabilitiesGrp/EOYAmt048747

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$902,646
Liabilities
$48,747
Net assets
$853,899
Revenue
$903,739
Expenses
$541,005
Net income
$362,734
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.49$0.04$1.44$1.49$1.21$0.28
2023Detailed filing. Detailed filing data is available for this year.$1.19$0.03$1.17$1.10$1.01$0.09
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.06$1.08$1.08$0.76$0.32
2021Detailed filing. Detailed filing data is available for this year.$0.90$0.05$0.85$0.90$0.54$0.36
2020Detailed filing. Detailed filing data is available for this year.$0.56$0.09$0.47$0.57$0.52$0.05
2019Detailed filing. Detailed filing data is available for this year.$0.43$0.01$0.42$0.59$0.42$0.17
2018Detailed filing. Detailed filing data is available for this year.$0.25$0.00$0.24$0.39$0.36$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.22$0.01$0.22$0.32$0.32$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$0.27$0.20$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.14$0.01$0.13$0.17$0.09$0.08
2014Summary only. Only limited summary data is available for this year.$0.06$0.00$0.07$0.04$0.03
2013Summary only. Only limited summary data is available for this year.$0.03$0.00$0.04$0.02$0.02
2012Summary only. Only limited summary data is available for this year.$0.01$0.00$0.01$0.01$0.00
2011Summary only. Only limited summary data is available for this year.$0.01$0.00$0.01$0.00$0.01
Peer Organizations

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