Step-by-step guides for accessing resources
Before a utility company can disconnect your service, they must follow certain rules. Understanding your protections and acting quickly can help you keep the lights on. Common Shutoff Protections Medical certificates: Protection if someone in the household has a serious illness Winter moratoriums: Many states prohibit shutoffs during extreme cold Notice requirements: Companies must provide…
A high school diploma or equivalency opens doors to better jobs and further education. Many programs offer free GED preparation classes and may even cover test fees. Here is how to get started. Where to Find Free Classes Adult Education Centers: Most communities have free adult education programs Community Colleges: Often offer free prep courses…
Temporary Assistance for Needy Families (TANF) provides cash assistance and supportive services to low-income families with children. If you are struggling to meet basic needs, TANF could provide critical support. Who Qualifies for TANF? Families with children under 18 (or 19 if in school) Very low income (limits vary by state) U.S. citizens or qualified…
Receiving an eviction notice is frightening, but you have rights and options. Taking quick action can help you stay in your home or at least buy time to find alternatives. Here is what you need to know. Understand the Eviction Process Eviction is a legal process that takes time: Landlord must provide proper written notice…
Supplemental Security Income (SSI) provides monthly cash benefits to elderly, blind, or disabled people with limited income and resources. Understanding how to apply successfully can help you access benefits you deserve. Who Qualifies for SSI? Adults 65 or older with limited income and resources Adults or children who are blind Adults or children with a…
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…
Getting new skills does not have to cost a fortune. Free job training programs exist throughout the country, offering paths to better-paying careers without student debt. Here is how to find training that fits your goals. WIOA Training Programs The Workforce Innovation and Opportunity Act (WIOA) funds training through American Job Centers nationwide. These programs…
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…
Section 8 Housing Choice Vouchers help low-income families afford decent housing in the private rental market. While waiting lists can be long, understanding how the program works puts you in the best position to get help. How Section 8 Works With a voucher, you find your own housing in the private market. The housing authority…
