Financial assistance is an essential resource for many individuals and families who are struggling to make ends meet. Many people feel embarrassed or ashamed to ask for help, but the reality is that there are many options available to people in need.
Whether it’s help with rent or utilities, or access to food or healthcare, there are organizations in Houston that are dedicated to providing assistance to those in need. Let’s take a look at some of the situations that may warrant some financial assistance.
Table of Contents
1. Household Expenses
If you have a low income and you need help with your bills, the first thing to do is to contact your utility provider. Many utility providers will have a limited payment plan for your electric or water bill. This means that you may only have to make a small payment each month, but it will prevent your account from being shut off.
2. Lost Wages or Job Loss
If you were laid off or lost your job, you may not have enough money to pay your bills. You can apply for unemployment benefits through the state, but this can take several weeks or months to process. You can also apply for Social Security Disability Insurance if you have a physical disability that prevents you from working.
3. Medical Bills
If you are having trouble paying for medical bills, you should try to pay your medical bills as soon as possible. Your medical provider may have a payment plan for you, but if not, ask about it. Some providers may be able to give you a discount for paying your bill quickly. If you have insurance, call them to see if they will cover some of the costs.
4. Rent Payments Due
If you are facing eviction, your landlord may be willing to work with you to help you pay back your rent. You should try to pay your rent as soon as possible, as this can help prevent you from being evicted. If you cannot pay your rent, try to work something out with your landlord. You may be able to stay in the home until your next paycheck comes in.
5. Utilities, Rent, and Phone Bills
If you are having trouble paying your bills, contact your utility company and ask about payment plans or payment extensions. Your utility company may be able to give you a payment plan on your electric or water bill so that your bill does not go past the date that it is scheduled to be due. If you have a low income, ask about utility assistance programs that may help you. If you have trouble paying your phone bill, ask about payment plans or payment extensions.
6. Legal Costs
If you are facing legal fees, it can be difficult to pay these costs. You may be able to apply for a public defender if you cannot afford an attorney. You may also be able to apply for Social Security Disability Insurance if you are disabled and unable to work. If you have family members who have legal issues, consider helping them out financially so that they can afford their legal costs.
7. Buying Groceries and Supplies
If you are facing a crisis, it can be difficult to make ends meet on what little money you have. You may want to try to cut back on your grocery spending and use food banks instead of going out to eat. You can also ask around at your local grocery store and see if they will give food away or accept donations. You can also look up local food banks and churches that provide free food. If you have children, ask their school if they will provide free school lunches or breakfasts. You may also want to consider getting a second job if you can spare the time from work.
8. Housing Costs
Families and individuals facing a housing crisis may be able to apply for assistance through local social service agencies, as well as government-funded or private housing programs. Those who have become homeless can receive help from emergency shelters or transitional housing programs. To find out more about available housing assistance programs, contact your local social service agency.
9. Credit Problems
For those who have credit problems, finding a loan or a credit card may seem like an impossible task. However, there are still options available. A local nonprofit organization may offer low-interest loans to help individuals with credit issues. Additionally, those with good credit and steady income may be able to obtain a loan from their bank. Moreover, if you find yourself unable to pay back your debt, you should contact the credit bureau and ask them to lower your credit score in order to give you more favorable terms.
Houston residents who need financial assistance may not realize that there are many different organizations that can help them. If you live in Houston and need help paying bills, contact the organizations listed above so that they can help you.