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Furniture is expensive. That expensive price tag can make it difficult for anyone to afford the furniture they want, especially in a low-income household. Financing is often the go-to option for people who can’t afford the furniture they want. Some stores and banks will allow low-income households to finance furniture, and some won’t. Keep reading to learn about furniture financing options and how financing can work in your favor.
It’s no secret that the world is getting more expensive to live in. Inflation is real, and it comes back around like a bad penny. The prices of groceries have gone up, and depending on where you live, your property taxes may have increased, too.
A utility bill is one of the main bills that homeowners and renters pay each month. And a lot of people are spending more money on these bills than they need to. But fortunately, there are some effective ways to reduce the cost of your utility bills. Continue reading to find out more about these tips and tricks.
When you’re a little short on cash, the last thing you want to do is have a medical issue that you need to deal with. Even without potential hospital bills, having the supplies to take care of yourself can get pricey. That’s why you need to be smart about it.
Owning a car has multiple benefits, but many agree that keeping up with the various expenses may create challenges. Repairs, fluids, and replacement parts may significantly impact someone’s finances and could put a person of low income in debt. But with the right techniques, you can lower these expenses and ensure you maintain your car at a reasonable price.
If you’ve never donated before, it’s natural to wonder where your money and efforts go and how that process works. You want to ensure that your donations go toward the goal that you donated to in the first place. There are four key components of where those donations go. Here are the ways that donations make a difference for people in need and the charity from the moment you give.
| Helpful Resources: |
| Top Low Income Housing Programs, Organizations and Government Agencies: |
There are many helpful resources that provide the best assistance for families looking to find and qualify for low income and affordable housing options. These include the U.S. Dept of Housing and Urban Development (HUD), the Federal Housing Finance Agency, the National Low Income Housing Coalition (NLIHC), the National Low Income Housing Institute (LIHI), the USAC Lifeline Program, and more. [Learn More...]
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| Interesting Facts & Statistics About Low Income Housing: |
According to reports by the Urban Institute, 25% - 40% of all low-income families in the United States experience hardships related to food and housing. This translates into millions of families with approximately 19 million children who need to be assisted. For this reason, the term "low income housing" or even "affordable housing" is used to describe housing and apartments that are within financial reach to individuals and families with low annual household incomes. [Learn More...]
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| How to Deal With an Eviction: |
An eviction is the formal process used by a landlord to remove a tenant from a rental property. A landlord can file for an eviction over nonpayment of rent, a violation of the lease agreement, severe damage to the property, or if a tenant refuses to vacate the premises once the lease agreement is up. Every state has its own laws governing how and when a landlord can evict a tenant. Before a landlord can file for a court-ordered eviction, he or she must first give the tenant official notice to vacate the unit. [Learn More...]
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| How to Deal With a Foreclosure: |
Foreclosure is the formal process used by a mortgage company to force the sale of a property to repay the loan. When a home owner is not making the loan payments and it moves into a default status, the lender may begin proceedings to repossess the property. In lay terms, that means to take back the property and resell it to get their money back. This, of course, can be a very stressful time for the homeowner. Foreclosure procedures are different in every state. [Learn More...]
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| How to Apply For EBT (Food Stamps): |
The federal food stamp program, now called the Supplemental Nutrition Assistance Program (SNAP), is one of many programs provided by the federal government welfare benefit system designed to assist low-income families. The SNAP program assists low-income families with buying the food necessary for good health and nutrition. Traditionally food stamps were issued in the form of paper coupons, but this tangible form of food stamps has been replaced by the EBT system (Electronic Benefit Transfer) which works very similar to a bank debit card. [Learn More...]
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