Staying warm in the winter or cool in the summer is a basic human need. Often, when money gets tight, we tend to focus on shelter and food and forget how important utilities are. Or, we simply don’t know where to turn for help, and many suffer in the cold (or without cooling in extreme heat). However, there is help! The LIHEAP (Low Income Home Energy Assistance Program) is a … [Read more...] about How to Obtain Fuel Assistance Before Hot or Cold Weather
Money Matters
What to Do in a Power Outage in Winter
One of the biggest annoyances even on a good day is a power outage. When there’s snow and ice outside, it can feel even worse. Here are some ideas to get through a power outage in winter. Stock up in advance. Items to buy include: Flashlights and batteriesNon-perishable food items that do not require cooking, for example: peanut butter, canned meats, and canned fruits.If … [Read more...] about What to Do in a Power Outage in Winter
How to Find Help for Veterans
We understand that many people need someone to care for them at some point. Perhaps you have a spouse, parent, grandparents, or other relative who is an veteran, and s/he requires some assistance. Or maybe that vet is you. You want to care for you and yours as best as you can, but perhaps you need some help. What resources can you rely on if you find yourself … [Read more...] about How to Find Help for Veterans
Practical Tips When Caring for Our Elders
If you are a caretaker of an elderly person, help is here. Learn where help is available:The Administration on Aging offers many services such as fall prevention, aging and disability programs, brain, oral, and behavioral health programs, elder abuse prevention, legal assistance, and retirement planning, and has chapters in most of the U.S. Find AoA services in your area.The … [Read more...] about Practical Tips When Caring for Our Elders
Find the Best Health Care (When You Can’t Afford It)
Health insurance is essential — even if you feel healthy, accidents and sudden illnesses can happen. The first step has to be to check through your parents, employer, or school — wherever you can qualify for insurance now. See what they cover and don’t cover. Are your pregnancy costs covered? Which pregnancy costs? Is your child covered? What will insurance cover for your … [Read more...] about Find the Best Health Care (When You Can’t Afford It)
What Does Baby Really Need?
Shopping for a new baby can often feel overwhelming and confusing, especially when there is so much to consider. However, babies don’t need the fanciest or newest products to thrive. Below are a few things you should expect to use in caring for a baby: Diapers: You might choose to use disposable or cloth diapers, and neither option is better or worse. Brand does not matter. … [Read more...] about What Does Baby Really Need?
How to Fund Your Savings Plan
Everybody told you to save for a rainy day. You didn’t. How can you start now? Here are some ideas for where to start and how to save. Short-term savings plans – your “rainy day” fund Everyone should have three to six months’ salary in an account in case of emergency. There are old-fashioned savings accounts at banks, and there are many new “fintech” plans online. If you … [Read more...] about How to Fund Your Savings Plan
10 Ways to Save Money on Gifts
We are in the midst of what can be the most expensive time of the year. If you don’t want to, or frankly can’t, be paying off Christmas, Hanukkah, or other celebration into next year, here are some tips to make the holidays affordable and memorable. Agree on not exchanging presents. This can be a very difficult discussion to start. Everyone is embarrassed to admit any kind … [Read more...] about 10 Ways to Save Money on Gifts
Q&A: Making Ends Meet with a Teenager
In response to a recent inquiry from a financially insecure mother about how to get by, we asked poverty expert Joyce McCauley-Benner to weigh in. Here is their exchange:Q. Hello! My beautiful daughter is now 13 years old and is a joy, but our life has been full of transitions and financial struggle due to young single parenthood and lack of a deeper support systems and help … [Read more...] about Q&A: Making Ends Meet with a Teenager
10 Things to Know About Homeschooling
There are many choices available when you are considering how to educate your children. No choice is ever perfect (easy, cheap, quick results, and not time-consuming!). But homeschooling is an option worth considering if you want to feed a child’s love of learning in a flexible atmosphere tailored to his or her needs. Home educators Shannon Federoff (22 years experience with 11 … [Read more...] about 10 Things to Know About Homeschooling
Making Your Clever Checkbook Calendar
Everyone keeps some kind of calendar for medical appointments, for social engagements, for reminders of birthdays and anniversaries. What about your calendar for meeting your financial obligations and anticipating expenses? Whether you use the old-fashioned wall calendar or your phone, it’s just as important to keep track of “financial appointments” as it is social … [Read more...] about Making Your Clever Checkbook Calendar
Money Management 101
Handling finances doesn’t require an MBA. There are basic skills that make you a savvy financial manager. This section contains a group of articles that cover money management topics everyone should know. Topic #1: Cash Flow – otherwise known as your BUDGET = Income vs. Expenses What is your income? Start with your take-home pay. If you get the same paycheck each period, … [Read more...] about Money Management 101
8 Tricks to Handling Debt
Using credit is a normal part of life. Financing a car or large household items, using student loans for your education, or taking out a mortgage to purchase a home are things people do every day. Good money management requires that you know when and how to use credit wisely. The article on “Your Credit Rating” can help you make the right decisions. But if you find yourself … [Read more...] about 8 Tricks to Handling Debt
Where to Find Help Paying for Housing
Learning to navigate confusing systems while also trying to cope with change can be hard, but asking for help is not only OK—it is a sign of strength. Our society often doesn’t make it easy and is quick to judge, but a lot of people need help and a lot of people want to help. You are not alone. Each new challenge you conquer will make you stronger and, in the long run, will … [Read more...] about Where to Find Help Paying for Housing
An Insider’s Guide to Your Credit Rating
Your credit rating comes from many sources—for example, from companies that have rented or leased goods or services, your bank, your landlord, and most often from a credit report. The most important elements of your credit rating are your Credit Report and your Credit Score. We will briefly explain both of these to you and point you to sources where you can learn more. The most … [Read more...] about An Insider’s Guide to Your Credit Rating
What to Consider When Choosing Cable, Internet, and Phone
Living in the 21st century, instant communication is easier than ever before. Yet with increased availability comes increased anxieties, especially with the cost of communication being so high. When weighing your cable, internet, and television options, the following tips may be useful. Cable The price of cable has been rising at four times the inflation rate, putting the … [Read more...] about What to Consider When Choosing Cable, Internet, and Phone
Where to Find Help with Student Loans
What do you do when the time comes to start repaying your student loans? What do you do when you are having difficulty paying student loans? Are there any programs to help you pay your loans, defer your payments, or get forgiveness from these payments? These are big questions, and as you know, there are many students and former students struggling to pay student loans. There … [Read more...] about Where to Find Help with Student Loans
10 Ways to Save on Monthly Expenses
While rent or a mortgage payment is often the biggest expense a household may have, utilities can be a significant expense as well. These can include gas, electric, water, and trash removal. Some of these costs may be included in rent, so check with your landlord. While trash removal is usually a set monthly cost, other utilities are based on your usage. Utility companies … [Read more...] about 10 Ways to Save on Monthly Expenses