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Welcome to the Low Income Housing Online Resource and Blog! We help empower and educate low income families by promoting relevant news, developments, and other valuable resources that can be of assistance. Check out our latest posts below:

Tips on How to Spend Less Money Each Month

Tips on How to Spend Less Money Each Month

Spending less money each month is a goal many people aim for. Unfortunately, accomplishing this goal is easier said than done. All too often, people set out with high hopes of saving more money without taking the time to plan how they’ll accomplish their financial goals. As such, they typically come up short. For some simple, easily applicable tips on how to spend less money each month, continue reading.

Helpful Tips for Buying a Salvage Car

Helpful Tips for Buying a Salvage Car

For those looking to save a lot of money on a vehicle, purchasing a salvage vehicle is a great way to do just that. A salvage vehicle is generally a car that has sustained enough damage that the potential repair costs exceed the vehicle’s value. As a result, it is deemed totaled by the insurance company. Although salvage vehicles are deemed unfit to drive, they can be repaired to look as good as new and roadworthy again. If you’re interested in taking on the challenge of purchasing and fixing up a totaled vehicle, here are some helpful tips for buying a salvage car.

How to Purchase a Home with Bad Credit

How to Purchase a Home with Bad Credit

Many people feel discouraged to fulfill their dream of purchasing a house due to the low number on their credit report. However, you shouldn’t let your low credit score deter you from accomplishing your goal. While purchasing a home with poor credit poses several unique challenges, doing so isn’t impossible. To learn how to purchase a home with bad credit, continue reading.

3 Smart Money Habits to Improve Your Finances

3 Smart Money Habits to Improve Your Finances

When it comes to your finances, the patterns and habits you follow can make or break your saving goals. Though some habits are passed down through family, a lot of our monetary habits ebb and flow as we grow up and recognize that things need improvement. But recognizing bad habits is a difficult task, and knowing which good habits to replace them with can be even more overwhelming. To help you live a more stable lifestyle, we’ve compiled a few important smart money habits to improve your finances. Take control of your money—follow these steps!

4 Inexpensive Housing Options to Consider

4 Inexpensive Housing Options to Consider

Buying a house should be a mark of adulthood, but in the current economy, it isn’t always easy. Fortunately, conventional housing isn’t the only way to have a home. Many rising housing trends aren’t just creative, but more affordable as well. If a traditional large home and mortgage aren’t right for you, here are four inexpensive housing options to consider.

The Most Affordable Sports for Kids


Your kid is all excited about trying out for the team, but you’re worried about how much it will cost. Kids from lower-income homes are getting priced out of participation in youth sports. The proliferation of “traveling teams” is one factor, with schools and leagues charging for travel costs, but “participation fees” and equipment costs contribute to the budgetary barrier. Schools and leagues send home lists of required items and bills for fees seemingly without considering the impact on a family’s budget. You want your child to have fun and benefit from the physical activity without breaking the bank.


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...]



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...]



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...]



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...]



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...]