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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.
One such issue that involves a lot of medical supplies is incontinence. Thankfully, there are ways to save money on incontinence products. We’re here to share these tips with you.
When trying to save money, the natural instinct is to buy cheap products. This might be helpful in the short term, but it will hurt you in the long run. When it comes to cheaper incontinence briefs, they won’t be nearly as absorbent as more expensive ones. That means you’ll need to change them more often, leading to you buying more over time. Higher-quality briefs will keep you from needing to go to the store as often.
Sometimes, people recommend doubling up on certain incontinence products in order to achieve a higher level of protection. This is most common with incontinence briefs and pads since they are very easy to use together. However, doing this will end up costing you a lot more money. It’s better to just purchase a brief that offers more protection for a slightly higher cost than pairing them with pads.
Since you’ll need to continue to purchase incontinence products, it’s not a bad idea to buy in bulk. You’re probably already aware of the advantages of purchasing items in larger quantities, but the upside to incontinence products is they won’t go bad on you like food will.
Just make sure the bulk packages only have the products you need. For example, there are many different types of catheters that a person can use. If a bundle of them comes with various kinds that you don’t like or can’t use, that money could go toward products you actually need.
If you keep an eye out for sales, coupons, and other promotions, your potential for savings can be astronomical. When you find a really good deal, stock up for the next few months. As long as you have plenty of incontinence products available at home, you can safely wait until the next great promotion to buy some more.
If at all possible, the final way to save money on your incontinence products is to look for ways to receive a reimbursement. Many insurance plans can offer you cash back on all the incontinence-based products you’re required to buy. In some cases, you can even get a tax deduction for these products. Either way, it never hurts to check.
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.
Recessions seem to be happening more frequently in the last few decades. There are some years of prosperity, but they are boxed in by years of recovering from one recession and years dreading the next. It’s not a fun thing to live through, especially when it puts your finances into question. Thankfully, if you continue reading, you can learn about some smart purchases that can help in a recession.
Your home should be a place of comfort with all of the furnishings you need. However, when you need furniture and don’t have a large budget, acquiring everything you need at a reasonable price may be challenging. But there are ways to ensure you will afford the furniture you need for your home without spending more than your budget allows.
| 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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