Step-by-step guides for accessing resources
If you are facing homelessness, fleeing domestic violence, or living in dangerously unstable housing, HUD Emergency Housing Vouchers (EHVs) may be able to help. These federally funded vouchers cover a significant portion of your rent so you can move into safe, stable housing without the financial burden that usually comes with it. Emergency Housing Vouchers…
When money is tight, every dollar matters. What many people do not realize is that many bills are negotiable—from medical expenses to cable bills to credit card interest rates. Learning how to negotiate can save you hundreds or even thousands of dollars each year. Here are proven strategies for lowering your monthly expenses. Negotiating Medical…
Farmers markets are not just for people with extra money to spend. Many markets accept SNAP and WIC, and some offer matching programs that double your benefits when you buy fresh produce. SNAP at Farmers Markets Most farmers markets accept EBT cards. Visit the market’s information booth to swipe your card and receive tokens to…
When an unexpected crisis hits – a car breakdown, medical emergency, or job loss – emergency assistance funds can help bridge the gap. Here is where to find help when you need it fast. Community Organizations Salvation Army: Emergency financial assistance for rent, utilities, and other needs Catholic Charities: Helps people of all faiths with…
Having a criminal record creates barriers to employment, but many employers now embrace second-chance hiring. Here are resources to help you find work and rebuild your life. Second Chance Employers Many major companies have committed to fair-chance hiring, including Walmart, Home Depot, Target, JPMorgan Chase, and many others. Some specifically recruit people with records. Research…
The Health Insurance Marketplace offers plans for individuals and families who do not have employer coverage. With subsidies available, coverage may be more affordable than you think. When to Enroll Open Enrollment runs from November 1 to January 15 each year. You can also enroll during Special Enrollment Periods triggered by life events like losing…
Back-to-school season puts extra pressure on family budgets. Fortunately, many programs help with school supplies, backpacks, and clothing so your children can start the year prepared. Where to Find Help Salvation Army: Hosts back-to-school events with supplies and clothing Community Action Agencies: Often distribute school supplies Churches and Faith Organizations: Many run supply drives School…
The Fair Housing Act protects renters and homebuyers from discrimination. Understanding your rights can help you recognize and fight illegal practices. Protected Classes Federal law prohibits housing discrimination based on: Race or color National origin Religion Sex (including gender identity and sexual orientation) Familial status (having children) Disability Disability Accommodations Landlords must provide reasonable accommodations…
A phone is essential for job searching, medical appointments, and emergencies. The Lifeline program provides free or discounted phone service to qualifying low-income households. Lifeline Program Benefits Free smartphone or basic phone Free monthly minutes and texts Data for smartphones No contracts or credit checks Who Qualifies? You may qualify if you participate in: SNAP…
Getting denied for benefits you believe you deserve is frustrating, but a denial is not the end of the road. Many denials are overturned on appeal. Here is how to fight back. Understand Why You Were Denied Read your denial notice carefully. It should explain the reason for denial and your appeal rights. Common reasons…
