Who Can Help If I Don't Have Money to Pay Bills?
Success and failure are mountains and valleys in traveling through life. The United States is a land of opportunity; with opportunity comes a chance to succeed -- or not. If you are in a valley, seeing things from the mountaintop is impossible. You need help to see clearly and pay for necessities. Help is available, but you may have to search for it.
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Types
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Help for the unemployed or those who cannot pay bills may be close. You may be able to rethink what you owe, reorganize your finances and redistribute your money. You may also find help in your city or town. Help may also be far away, as in government assistance programs and grants. Each one of these is not exclusive of the other; you can do all three at the same time.
Considerations
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You can help yourself. Make a list of your bills and set priorities. Necessities are food and shelter, and this includes utilities. Save your money for these items and be frugal with food purchases and utility use. Cut out all excess, but think carefully and keep minimum telephone and Internet services. These may be keys to your future success. Sell what you can and generate money for paying bills. Be creative. If you don't have anything to sell, you can still sell plants and flowers. Buy a bag of potting soil, and get containers from the thrift store. Take a walk with a basket and collect plants or seeds to grow. Within two weeks, you will have something to sell.
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Local Assistance
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Organizations exist in every town that help individuals or families when they cannot pay bills. Contact your utility company and ask if they have a program to help pay utilities. Contact the Salvation Army and ask for advice. The employees are in touch with local services and are there to help. Network with others and ask about help. Check for CAA or Community Action Agencies in your area.
Government Help
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Contact organizations that can help, such as the workforce center or unemployment office in your area if you need employment. Look for a HEAP, or Home Energy Assistance Program, for your state for help paying utilities. Review the help suggestions from the Federal Trade Commission and rely on websites like the National Foundation for Credit Counseling for help and ideas for managing your debt.
Free Services
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Use all the free services you can and save money to pay your bills. Medical care is available for children in almost every state for free. The Salvation Army gives bags of food to needy families, and most areas of the country have a food pantry. If you qualify, accept this help.
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