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When Times Get Tough, Use These Assistance Programs

By Genevieve Hayes

Former realtor and housing counselor based in Texas

Just in case your income stops rolling in, a safe net for necessities.

Food assistance

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    Food

    Why do we list food first? Because without it, survival is impossible. Here are some of the best resources you can contact when your kitchen goes bare:

    National Hunger Hotline

    Are there food programs that can help you get money each month for groceries? Sure, and we’ll discuss one in a second. But when you need emergency food assistance and can’t wait, calling the National Hunger Hotline is your best bet for instant nutrition. Dial 1-866-3-HUNGRY to find emergency food providers near you.

    SNAP

    While some still call it food stamps, the Supplemental Nutrition Assistance Program (SNAP) still has the same aim: To help low-income families put food on the table. If you’re low on income and need a steady supply of funds each month for food, apply for SNAP now.

    Feeding America

    A food bank or food pantry can help your family find something free to eat quickly. Feeding America is a massive network of over 200 food banks and 60,000 food pantries, so use them to find a quick nutrition solution near you.

    Catholic Charities

    Like Feeding America, Catholic Charities helps underprivileged families get the nutrition they need via food pantries, banks, and even farms. Contact Catholic Charities for food assistance, as well as help with housing, healthcare, and more.

    The Summer Food Service Program

    When school isn’t in session, use this program to get healthy meals and snacks for your kids at no cost.

    Housing

    While food is essential, housing isn’t far behind. Use these resources for long-term housing help or to get temporary rent or mortgage assistance:

    HUD

    Your Public Housing Agency can link you to the right HUD program to fit your housing needs. For affordable rent, you can apply for a Section 8 housing voucher. Or, to avoid foreclosure, you can get a forbearance, loan modification, or refinancing, so you don’t lose your home.

    By contacting the HUD, you can fix your housing situation for the long term, so you don’t run into similar issues in the future.

    Salvation Army

    Use their Pathway of Hope program to get help with paying your rent and utilities.

    St. Vincent de Paul

    This organization helps with food, clothing, and other essentials, and it also offers assistance with rent and mortgage payments to those who qualify.

    Gradient Gives Back Foundation

    Get connected with the right donor via this nonprofit, and you could get a year of your rent or mortgage paid.

    Utilities

    Even if you get food and housing assistance, that still may not be enough if your income is low. To get utility assistance, try the following:

    Low Income Home Energy Assistance Program (LIHEAP)

    With LIHEAP, low-income families can lower their heating and cooling costs, plus get free repairs and weatherization to make future energy bills more affordable.

    Dollar Energy Fund

    With 40 utility companies under its wing, Dollar Energy Fund helps underprivileged families pay their energy bills.

    Lifeline

    This program offers discounts on phone and Internet service to low-income families.