Financial Help And Support
Free Financial Help Paying Bills
Need emergency financial assistance? – Many people in America need emergency help with bills rent, utilities, or even home repairs.
There are, however, organizations and charities that provide low-income assistance to its residents. If you live anywhere in the United States or U.S.
Territories, you may qualify for help with rent, utilities, food, furniture, clothing, counseling, and more. Get advice on how to navigate charities, local churches, and other government programs.
The information provided here is a guide to lead you in the right direction. Programs may vary from state to state. We can direct you to resources to help you find financial support. We post new information regularly.
There are, public and private low-income assistance programs, that can give you aid. Many companies are coming back to the US, and many are getting jobs.
If you, however, are not working you may be eligible for unemployment benefits depending on how long and where you worked.
your social worker about educational grants you may qualify for when you go to apply for temporary aid.
How to get Low-Income Single Mother Assistance
Single mom many time the sole providers for their families, if you are single and need help support, there are many organizations that can help you keep your family together. There are government programs that help with rent, education, utilities, food and more.
Where How to Get Financial Assistance When Pregnant
If you struggling financially and are expecting and child and don’t know where to turn, it can be pretty overwhelming. If you are a teen or an adult over 18 and need help with prenatal care, nutritional support, there are programs TANF, WIC, and SNAP that can help you through this challenging time. (more info.)
How to Get Help with Rent Payments?
If you have lost your job or are unemployed because of a long-term illness it can be devastating to your financial situation. There are community organizations, charities, and in place to support you until you can get on your feet again. (more)
How To Get Help with Utilities?
It is devastating to lose mandatory services water and electricity. No one should have to live in the dark or without running water and heat. If you have had your services shut off or are in dangers of having them terminated, you can get assistance. (more info)
How to Get Food Assistance?
You can live without utilities, you can live without a permanent home, but no one can live without food. That is why some many community foods banks are available to help endangered families all across the United States. (more)
What Charities that Help With Bills?
Community organizations join with the government to help screen and distribute funding to disadvantaged families and individuals in the community. Charities and churches do not withhold assistance religion. Funding is given on a first come, first served basis. (more)
Where Can I Get Free furniture?
If you are moving into a new home after being homeless, or have experienced a disaster of some type. There are free furniture banks and partner with charities and private donations that can help you start over again. Find out how to get free beds, linen, dishes and all the things you need to manage a home. (more info)
How Do I Get Christmas Assistance?
Christmas should be a time of joy and celebration, but for many, it is a time of stress and depression.
If you have lost your job or can not afford the basics mandatory bills, holiday celebration move to the back burner.
Find out about Christmas charities in your community and how you can get a free holiday basket, Christmas dinner, toys for Christmas as well as help with your household bills. (more)
I Need Help with Medical Bills
Health insurance is expensive and many people with families still can not afford insurance. If you are without insurance and have a medical issue, find out about these opportunities to get free medical care, or help with medical debt. (more)
Can I Get Help With Dental Care?
Your dental health has a direct connection with your medical health, yet millions of American suffer from poor dental health because they don’t have the money to go to a dentist. A root canal can easily cost $1,200. There are dentists and dental clinics that want to give back to the community and offer free or discount dental care. (find out more)
Local & Government Assistance Programs
Local and government financial assistance helps millions of families each year. Although we are not associated with any organization, however, you can find help here. Finally, our assistance programs are limited to helping those living in the U.S. We also do not give away money.
According to Welfare Statistics and Demographics, 21% of those living in the US receive government assistance. Total Federal government spending on welfare programs annually $158,200,000,000.
We will show you how to get help with rent payments, utilities, healthcare, and other financial emergencies.
Where Can I Turn For Financial Help?
We provide resources to help you locate advice about bills and other support. Unable to pay your rent, need help with utilities after Christmas? Please search Local Church Charities that help.
You can also find out where to get Christmas toys for kids. The Department of Social Service offers financial support once a year. This assistance help, those who are not receiving government aid.
That is why we are excited about presenting these resources available to you.
Bill Assistance
We all have times when things get difficult. What do you do, when you don’t have a family or your family is also struggling? A GoFundMe page most ly won’t get you the help you need in time.
However, there are many organizations help pay household debt rent, lights, water, gas, medical, child care, and mortgage, and more.
It may take a little research, phone calls, and footwork, but you can get financial help today! Once you are approved, they will contact your landlord, or utility provider to let them know they will be helping you. This alone can stop an eviction or the loss of light, water, or gas services.
Help Job Training
Charities and community-based organizations are an extension of the government and screen and distribute help where it is needed. Public, private and federal benefits, and donations fund these incentives. Non-profits help by paying rent, utilities, providing clothing, food, medical, job training, and more.
They also give financial aid and training that can improve self-sufficiency. Lastly, the Federal Government can help. Several DSS buildings serve each state and community. Apply for help, by going into one of these offices, online or calling to request an application be mailed to your home.
Help Managing Debt and Bills
Low-Income Assistance programs help many people who could not survive without free financial support, however, is it our responsibility to help others who are struggling? During the Great Depression, when you could not pay your rent, you were homeless. Also, your children were placed in an orphanage, if you could not care for your kids.
Therefore the poor many suffered greatly. Most noteworthy, until President Roosevelt, initiated some relief programs, the Federal Emergency Relief Act (FERA), that helped the most destitute of Americans. Therefore, by the end of 1934, close to 19 million depended on Federal Emergency Relief programs.
Low-Income Assistance Resources
There are a few sources for getting help paying bills. Consequently, agencies the Crisis Assistance Ministry or the American Assistance League, help the poor. The Federal government funds community resources and donations.
You must also qualify financially to receive free financial help from the government, charity and community organizations. You are eligible for financial assistance if your gross income has to be at or below 135% of the Federal Poverty Guidelines.
If you need free financial help paying bills, please use this site as a resource to find the help you need. Find financial help in your State.
Источник: //freefinancialhelp.net/
Financial services
You can view available translations of this article by selecting a language in the bottom-right corner of this page. Translations are provided as a convenience, and are not meant to change the content of our policies. The English version will control and should be your reference in case of conflict between a translation and the English version.
This policy applies to ’s paid advertising products.
The advertising of financial products and services is restricted and subject to certain globally applicable rules. For restrictions which may be applicable per jurisdiction, please refer to the Country Specific Policies section below. Please note that this list is not exhaustive.
Prohibited globally
The advertising of the following is prohibited globally:
- Payday loans
- Cryptocurrency initial coin offerings (ICOs)
- Cryptocurrency token sales
- Binary options
- Bail bonds
Restricted globally
The advertising of the following is restricted globally (please note that this list is not exhaustive):
- Banking services and banking institutions
- Loan products and services
- Mobile and electronic payments
- Mortgages and related services, including debt relief or assistance services
- Investment advice, investment opportunities, and offers to increase wealth
- Insurance products and services
- Securities
- Currency exchange, trading, and related services
- Cryptocurrency exchanges*
- Cryptocurrency “hot” wallets*
*Cryptocurrency exchanges and/or cryptocurrency wallet services provided by a public company listed on a major stock market may target permitted countries subject to local laws. Contact if you are interested in these options.
Advertisement for financial products and services must:
- comply with all applicable laws; provide necessary disclosures, balanced information of risks and benefits, and all information that must be provided to the investor
- be clearly identified as financial services
- indicate the nature and specific type of financial service
How does this policy vary from country to country?
Advertisements for financial services and related content are permitted only when targeting the countries below:
- Africa and Middle East: Egypt, Ghana, Kenya, Kuwait, Morocco, Nigeria, Oman*, Pakistan, Qatar, Saudi Arabia, South Africa, Tanzania, Uganda, United Arab Emirates, Zambia
- Asia Pacific: Australia, Hong Kong*, India, Indonesia, Japan*, Malaysia, New Zealand, Philippines, Russia, Singapore*, South Korea*, Thailand
- Europe: Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, France, Germany, Greece, Finland, Ireland, Israel, Italy, Macedonia, Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Serbia, Spain, Switzerland, Sweden, Turkey, UK and jurisdictions, Ukraine
- Latin America: Argentina, Aruba, The Bahamas, Barbados, Bermuda, Brazil, Chile, Colombia, Costa Rica, Curacao, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Jamaica, Mexico, Nicaragua, Panama, Peru, Trinidad & Tobago, Uruguay, Venezuela
- North America: Canada, U.S.
*Advertisers targeting these countries are only allowed with prior authorization from .Authorization starts with being in touch with a account team. Contact if you are interested in this option.
The following are additional restrictions on financial products and services that apply for certain countries:
Canada
- Advertisers wishing to promote Securities products must hold licenses from the appropriate licensing authorities.
Colombia
- Advertisers may only target Colombia if their business is based in Colombia.
Hong Kong
- Promotion of insurance products and services is prohibited.
- Financial aggregators are prohibited.
- Contact if you are interested in these options.
Indonesia
- Promotion of securities is prohibited.
Japan
Malaysia
- Money service business or information which may lead directly or indirectly to a transaction relating to a money services business is prohibited.
- Promotion of securities and investment schemes are prohibited.
- Promotion of any form of financial speculation, intended to promote or attract interest in stocks and shares is prohibited, except for ads related to newly approved IPOs.
Mexico
- Advertisers can only target Mexico if their business is based in Mexico.
New Zealand
- Promotion of securities is prohibited.
Russia
- Advertisements targeting Russia must be in the Russian language.
Singapore
Slovenia
- Advertisements targeting Slovenia must be in the Slovenian language.
South Korea
Venezuela
- Advertisers may only target Venezuela if their business is based in Venezuela.
Review our guidelines and make sure you understand the requirements for your brand and business. You are responsible for all your promoted content on . This includes complying with applicable laws and regulations regarding advertisements.
If you are an advertiser whose account or Tweets are under review and you would to check on the status or request an expedited review, please log in to ads..com and file a support ticket using the Help button in the top right corner of your ads dashboard.
“,”author”:null,”date_published”:null,”lead_image_url”:null,”dek”:null,”next_page_url”:null,”url”:”//business..com/en/help/ads-policies/restricted-content-policies/financial-services.html”,”domain”:”business..com”,”excerpt”:”Financial services”,”word_count”:711,”direction”:”ltr”,”total_pages”:1,”rendered_pages”:1}
Источник: //business.twitter.com/en/help/ads-policies/restricted-content-policies/financial-services.html
Getting free financial help and information
There are many ways to get free financial help and information. But it also pays to know when you might need the type of advice free services can’t provide.
Where to get free financial help
You can get free financial help and information from:
- Charities;
- Commercial organisations, such as comparison websites or magazines;
- Government-led or government-backed services – including the Money Advice Service.
While these services might be reliable sources of help and guidance and give you information about different options, they don’t offer what is known as ‘regulated’ financial advice.
This means that if you buy a financial product ly on the information you receive from them, you alone are responsible for the decisions you make.
You will also have fewer rights if the product turns out to be unsuitable.
Find out more about regulated advice.
Some organisations offer help and information on a wide-range of money issues, including:
- Tax
- Appeals
- Benefits
- Credit and debt
- Housing and buying financial products.
Most are free, although for organisations Which? you might have to pay a subscription for some of the services.
We’ve grouped them into broad categories to help you pick out the most relevant for your needs.
Where to get general money advice
Here at the Money Advice Service, we provide free and unbiased help and guidance on all money matters.
Our service is available online, over the telephone (0800 138 7777) and is backed by government.
Here are some other useful sources:
- Which? campaigns for consumer rights and provides general money advice through its website, magazine, money helpline and legal service. It’s a subscription-based service, so you have to pay to be a member to access the money helpline, legal service and magazines. However, much of the money information on its website is free.
- Citizens Advice Bureau provides free online help on many issues, including debt, benefits, money, employment and consumer rights. For face-to-face advice search for a Citizens Advice Bureau near you.
- Citizens Advice Scotland offers advice on benefits, debt and money – find your nearest branch to make an appointment.
- Financial Conduct Authority (FCA) regulates the financial services industry in the UK. If you use a financial adviser you can check the FCA register to make sure the firm you’re dealing with is regulated. There’s also information about financial products, possible scams and how you can protect your money on their website and through their consumer helpline (0800 111 6768).
- MoneySavingExpert.com is a useful source, especially for offering tips on saving money. It is free to use, although the site might get payment if you click through to some of the links offered.
- Media such as newspapers, magazines and the BBC (and their related websites).
- The Pensions Advisory Service gives free guidance on all pension matters. It also helps with problems, complaints or disputes you might have with your workplace or private pension arrangement. Its telephone helpline (0300 1231047) is staffed by pension specialists.
Advice services aimed at over 50s
- AgeUK provides money advice aimed at the over-50s.
- TaxHelp for Older People is an independent and free tax advice service for older people on low incomes who can’t afford professional advice.
Free debt advice
The following organisations offer free, impartial support and advice to anyone in debt, worried about debt or facing bankruptcy.
Free debt advice for the self-employed and small businesses
Business Debtline offers a free debt advice service to self-employed people and small businesses in England, Wales and Scotland.
Free tax advice
- Low Incomes Tax Reform Group provides tax help for people on low incomes including students, pensioners and the disabled. They can’t help people directly but can direct you to further help from their website.
- TaxHelp for Older People is an independent and free tax advice service for older people on low incomes who can’t afford professional advice.
- Taxaid is a charity which helps people on low income with their tax affairs.
Bankruptcy and redundancy pay problems
For information about bankruptcy or how to get redundancy if your employer can’t or won’t pay, contact the Insolvency Service.
It deals with bankruptcy, individuals subject to debt relief orders and companies and partnerships wound up by the court.
It also acts as trustee/liquidator where no private insolvency practitioner is appointed.
When to pay for financial advice
Financial advisers are authorised and regulated by the Financial Conduct Authority (FCA) and therefore provide regulated financial advice.
Regulated advisers can only recommend and sell you products that are suitable for you.
If they sell you an inappropriate product or give you inappropriate advice, you can make a complaint and if necessary take your complaint to the Financial Ombudsman Service.
Deciding whether to use a regulated financial adviser depends on how complicated your finances are and what type of product or service you want.If you’re looking for a basic savings product or straightforward car or house insurance, you might not need regulated financial advice.
However, if it’s something more complicated a pension, investment or mortgage, don’t risk going it alone unless you’re certain you know what you’re doing.
If you’re not, then get advice from a regulated professional – not doing so could cost you far more than you will pay in fees.
Read our guide to find out more about financial advisers. Previous
How to improve your credit score
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Источник: //www.moneyadviceservice.org.uk/en/articles/free-financial-advice-your-options
Financial support
Financial Support is the University of Sheffield’s hardship fund. The funds are to support students facing financial difficulties due to unforeseen costs. This page outlines the support available and how to apply.
To apply for Financial Support you must meet all of the criteria listed below:
- You are facing financial difficulties due to unforeseen costs
- You are a registered student on a full-time or part-time degree programme
- You've received your first instalment of Student Finance funding, if you are eligible to apply for this (students experiencing an unforeseen delay to funding may submit an application)
The following examples are not considered unforeseen costs and will not be considered:
- Tuition fees
- Accommodation costs
- Study costs
- General living costs
It is expected that you will have secured sufficient funding before you started your course to support yourself and pay your tution fees for the duration of your studies.
- Not all applications will be successful.
- Awards are a contribution to costs and will not necessarily cover all of your financial needs.
- We will only consider one Financial Support application per academic year, unless exceptional circumstances apply.
- Applications are treated with the utmost confidentiality and will never be shared with departments, unless you give us permission to do so.
- Visiting students should apply to their home university for financial help.
How to apply
1. Complete the application form below.
Apply for Financial Support
A paper version of the application form is also available:
- Paper version – Financial Support application form (PDF, 332kB)
2. Provide all of the following documents:
- A copy of your completed Money Planner
- Proof of your main source of income e.g. Student Finance document or scholarship/sponsorship letter
- Rent agreement or mortgage statement
- Copies of three months most recent bank statements for all of your accounts, and your partner's accounts is applicable
- Any other evidence to support your application e.g. medical evidence
Students with children
If you have children and would them to be considered as part of your application you will also need to provide the following documents, where applicable:
- Child tax credit notification
- Child Benefit notification
- Evidence of any childcare costs
3. You will be notified of the outcome of your application within 15 working days of submitting your complete application.
Applications must be submitted before 12 noon, Friday 19 July 2019. Final year undergraduates must have applied before 12 noon on Friday 24 May 2019.
Please contact the Financial Support Team for any further information or guidance.
- Contact the Financial Support Team
Emergency Funding Application
If you are in urgent financial need and require funds immediately you can submit an emergency funding application by following the process below.
|
1. Submit an application form using the link or paper application above.
2. Provide copies of three months most recent bank statements for all of your accounts, and your partner's accounts if applicable.
3. Contact the Financial Support Team to tell them that you would to be conisdered for Emergency Funding.
- Contact the Financial Support Team
4. The Financial Support Team will respond to your request within one working day.
Help and Advice
If you need to discuss your financial situation with someone please contact the Student Advice Centre, in the Students' Union. The can also help you submit an application for Financial Support.
- Contact the Student Advice Centre
See also
- Temporary disability and DSA reimbursement
- Money Tools
- Student JobShop
Источник: //www.sheffield.ac.uk/ssid/finance/shortterm
Need Emergency Financial Assistance? These Resources Can Help
Have you ever found yourself worrying about how to get help with bills or other emergency expenses that pop up the blue? You wouldn’t be alone. According to NBC News, 65% of Americans lose sleep due to anxiety over finances.
In an ideal world, every one of us would have at least six months of living expenses set aside in an emergency fund. In reality, 40% of Americans don’t have enough in savings to cover a $400 emergency, according to Forbes. Sometimes even a decent rainy day fund isn’t enough to prevent the damage caused by an unexpected torrential downpour.
Fortunately, there are resources available to people who need emergency financial assistance and aren’t sure how to get rid of debt. This article outlines the ways you can find your way back to financial security through government assistance, nonprofit programs, and online fundraising.
Start your fundraiser
Five signs you might need financial help
It’s easy to feel financially secure in the day-to-day, but a single emergency can make it abundantly clear that a personal financial crisis is around the corner. These are five telltale signs that it might be time to reassess your financial health—do any of them ring true to you?
1. You don’t have any savings or an emergency fund
The primary way people avoid taking on new debts or loans is by building a healthy emergency fund with at least six months of savings. Without some spare change in the bank, you could be looking at a fiscal crisis.
2. You’re living off credit cards
Using credit cards to pay for everyday essentials housing, food, and transportation is a telltale sign that you need to reevaluate your financial situation. If you don’t think twice about taking on more debt, it’s probably time to cut up your plastic.
3. You frequently tap into savings
If you find yourself unable to grow your savings—or you routinely dip into your savings just to make ends meet—it’s time to take a hard look at your spending habits and budget.
4. You’re afraid to look at your ever-increasing credit card bill
Knowing you’ve fallen even deeper into debt is demoralizing, but it’s even worse when you ignore the situation. When you see the balance on your statement continue to rise rather than decrease, it’s time to move beyond denial and take action.
5. You avoid thinking about the future
If you find yourself unable to think about your future in a meaningful way, your financial situation might have gotten the best of you. If this is the case, it’s probably time to take a big step back and envision what your financial future may look 10 or even 20 years down the road.
Three things to do immediately when a financial crisis strikes
Trying to pick up the pieces in the midst of a financial crisis can sometimes lead to poor decision making. To avoid the pitfalls of credit cards, predatory lenders, and other harmful debt relief solutions, follow these tips:
- Stay calm: To overcome feelings of panic and hopelessness, make a list of ways to find emergency cash assistance through legitimate avenues.
- Know your priorities: Reassess your budget and prioritize your spending. Look for ways to cut nonessential expenses to an absolute minimum.
- Ask for help: Seek advice from someone you trust who has already successfully dealt with a financial emergency. They may be able to offer some words of wisdom.
Programs that provide emergency financial assistance
Even with a new budget and a renewed focus, a financial emergency can still make it incredibly difficult to pay monthly bills and stay debt. If you’re still struggling to pay for expensive medical treatments, survive unpaid maternity leave, or deal with any other unexpected costs, there are public and private programs that can help you regain your footing.
Government assistance programs
These government programs offer grants, subsidies, and training to help individuals and families looking for emergency money assistance. Whether you need to pay medical bills right away or find emergency rental assistance, these financial hardship assistance programs may help.
Government food programs
- Temporary Assistance for Needy Families (TANF) provides each state with grants to operate its TANF program. The eligibility requirements and programs vary from state to state, but they generally help with basic necessities food, housing, and more.
- Supplemental Nutrition Assistance Program (SNAP) provides nutritious food to low-income families and individuals. Recipients can use their SNAP vouchers at approved stores and restaurants to purchase items fruits and vegetables, dairy, bread, and poultry and meat.
Government medical assistance
- The Medicare Savings Programs offer four different ways for low-income families and individuals to pay for premiums, copayments, coinsurance, deductibles, and other medical expenses.
Nonprofit financial assistance resources
In addition to government programs, there are also numerous nonprofit programs and grants that aim to help people with everything from food and housing to pocket medical expenses and child care assistance. You might even try reaching out to a local religious organization, as there are many churches that help families in need.
Nonprofit food assistance programs
- Feeding America is a nonprofit that provides emergency food assistance through its network of 200 food banks and 60,000 food pantries and meal programs across the country. The organization also helps those in need to find long-term assistance through government programs, even helping with the application process.
Help with utilities from nonprofits
- 2-1-1 is a program through United Way that helps those in need with a broad range of services, including help with utilities. Trained professionals are available to help around the clock when you call 2-1-1.
- Modest Needs provides financial assistance for an array of needs, with a special focus on short-term needs, help with housing costs and utility bills.
The organization offers what they call “self-sufficiency grants” to help those struggling to get back on their feet.
Nonprofit housing assistance for mortgage and rent costs
- Community Action Partnership helps more than 148,000 families gain safe and affordable housing every year.
It also provides training and referrals to other government resources so impoverished communities can find financial relief.
- Volunteers of America believes that home is more than just a shelter—it’s a cornerstone of stability and security. The nonprofit houses over 25,000 seniors, veterans, families, and others in need each year.
What if you aren’t eligible for assistance programs?
When you need financial relief immediately, there might not be time to go through a lengthy application process or wait months to be approved for a grant. Many find these application processes frustrating and discouraging. This is when crowdfunding can become an essential part of your financial recovery.
Need help fast? Crowdfunding to the rescue
Countless people in your position have turned to crowdfunding when they needed emergency financial help right away. Emergency fundraising for housing costs, utilities, medical bills—and everything in between—is easy with GoFundMe.
We offer a simple set-up process, 24/7 customer support, and a blog full of fundraising tips and ideas. Not only do we provide immediate access to your funds, but our free fundraising platform means that you can keep more of the money you raise.
Feeling guilt or shame when you’re on the verge of a financial crisis is natural, but remember that your friends and family care about you and want to see you succeed. Finding support from people you know and trust can be critical to overcoming this hardship.
Find financial freedom right now
When you’re unsure how to get financial help and feel you’ve reached a roadblock, GoFundMe is here for you. Read what real users say about online fundraising on the GoFundMe reviews page. If you haven’t already, start a free fundraiser and begin your journey to debt-free living. End the anxiety about finances, and begin focusing on what matters.
Start a free fundraiser
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Источник: //www.gofundme.com/c/blog/emergency-financial-assistance
