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Showing posts with label Financial Despair. Show all posts
Showing posts with label Financial Despair. Show all posts

Monday 4 September 2017

Get Free Money from the Government 2018 - The Definitive Guide

This blog is devoted to helping people get free money from millionaires, billionaires, and philanthropists. One place most people neglect to check is the Government website USA.Gov, this site should be the first port of call when you're looking for financial assistance. Below you will find the definitive list of all the places where you can apply for financial assistance.
I would recommend that you bookmark this guide because it will have a centralized point where you can find all the information you need. Feel free to share this guide with anyone who might be experiencing financial hardship and leave a comment below if you've found it helpful.
Benefits.gov - Your Path to Government Benefits
The first place to go is Benefits.Gov, this site will help you determine which benefits you qualify for. Fill in all your details carefully so you can find out which benefits you're eligible for.
Another worthwhile site you should visit is the Social Services Agency in your State. The Social Services Age which is often referred to as the State's Human Service Agency will be able to offer you financial assistance or point you in the direction of your local community organization.
You also need to check to see whether you're eligible for any Government Grants. Grants are awarded to universities, researchers, cities, states, countries and non-profit organizations.
The Government also offers Loans to businesses and education. These loans need to be repaid however the interest is much cheaper than what the Bank may offer. You can visit GovLoans for more information.
Disability.gov
For more specific help you should visit the information sources below. You can get information on benefits, grants, and loans. I would recommend you read through the guides thoroughly to see if you're eligible for any help.
DisasterAssistance.gov - Access To Disaster Help and Resources
If you or your family are experiencing disaster or financial hardship you can apply for help from the Government. You can also get help with mortgage and rent assistance if you need urgent financial assistance.
Food and Nutrition Service
If you're experiencing hunger you can you can apply for the Food Stamps Program from the Supplemental Nutrition Assistance Program. If you need help with medical bills or need to apply for insurance then the first port of call should be Medicaid or Medicare. I have listed all the important links below.
BusinessUSA Beta: Business.USA.gov
If you've become unemployed through no fault of your own then there are a number of benefits you can apply for. These include Unemployment Benefits, you can also apply for earned income tax credits. If you're interested in training or education you could apply for Employment and Training Assistance. I have also added a link below for Government jobs if you're interested.
If you own a farm then you could apply for Agricultural and Rural assistance which have been bookmarked below.

Monday 23 January 2017

I Need Help Buying Food for My Family

I need help buying food is a frequently asked question on the Millionaires Giving Money Blog. If you're facing financial difficulty buying food for your family then this guide will help you to reduce your food bills, eat better food. This guide will also look at all the programs available for low-income families and individuals as well as hunger programs in the USA that will help you feed your family for free. 

This will be a very comprehensive guide which I will constantly add to help as many people as I can, I've experienced hunger myself and I know how unpleasant it can feel (I seriously sympathize); please bookmark this article and forward it to as many people experiencing hunger, leave a comment if you know of any tips or programs that can help people experience food poverty. 

#1: Budget Your Money Better


Effective budgeting can make your grocery bill much more manageable, sometimes people are surprised to find out how much they spend on a particular area in their life. If you need help with food then smart budgeting is essential to curb your spending on groceries. When I was facing difficulties feeding my family I started budgeting, to my absolute horror I found that I was spending more money on entertainment and hobbies that I was on food. 
Budgeting will help you to get things into perspective and will help you prioritize what is most important which is to feed your family healthy and nutritious food. You should create your income and expenses statement so that you can see where all your money is going, you might be surprised. The most important exercise is to try to cut needless spending and then use that money for the things that matter like feeding your family.


#2: Get Groceries for Cheap Using Coupons and Vouchers


Another great way to stretch the amount you can buy is with coupons and special offers. You can get groceries for cheap using these strategies. When I need help with food the first thing I did was to downscale on the food supermarket I use and go to a budget supermarket, this helped me to drastically reduce my food bills. 

I also looked for coupons on the internet on the foods I needed and every time I found something it was like finding free money, I also looked at supermarket comparison sites to find half price offers or buy one get one free. The bottom line was I always looked for a cheaper alternative or ways I could cut the cost of buying foods. A search on the internet will reveal excellent sites which offer advice to people who want to stretch their money using special offers and coupons.


#3: Learn to Love Leftovers


One of the best ways of Feeding Hunger is to learn to love leftovers. If everyone embraced and shared their leftovers no one would need help with food. When I need help with food the first thing I do is embrace leftovers and make meals stretch as far as possible. This is a great strategy to help with food and bills! Make your food last as long as possible, learn to make your energy last as long as possible. Small changes to make the best of resources will help to save you money so you can allocate more money towards food.

For me personally, there were times when we chucked everything that we didn't want to eat when I look back I think to myself what a waste of money, throwing food away was like throwing money away. What really helped with lowering our food bill was cooking less food and leaving leftovers for another day. If you're struggling with your food bill I would urge you to take this challenge and cook less food and lower your portion size, if you find that you're chucking away 1/3 of your food then cook a third less, instead of cooking 7 days worth of meals cook only 5 days and then use the leftovers for days 6 and 7. 

#4: Find Inexpensive Food Items


Whenever I need help with money I find inexpensive food items to slash my grocery bills. This is like taking groceries for cheap to the next level. This tip was mentioned quickly on #1 but deserves more attention, if you're struggling with your food bills you need to downshift a brand, rather than buying Coca Cola you need to buy budget cola, rather than buying Branded chocolate you need to switch to generic brands. If you can do this with every item you buy you can slash your bill by half! Take the challenge for a month, make the switch and then see how much you save, also see if you notice a big difference.


#5: Apply for Food Stamps Help


You can get help from the government by applying for food stamps. Food Stamps help low-income families and individuals who are experiencing hunger. Whenever I need help with food I look for government programs that help low-income families and individuals. If I need financial help I also turn to the government who offer welfare benefits to get you back on your feet. You can apply for food stamps if you're experiencing hunger and have no income or savings. If you're on a very low income or have lost your job, are facing financial despair, disaster or crisis then you might be eligible for food stamps from the Government. The Supplemental Nutrition Assistance Program helps people to feed their families, the public assistance comes in the form of vouchers which can be redeemed for food at stores that accept the vouchers. This program is invaluable for those who are having difficulties and you should apply right now if you're in this position, swallow your pride and get help. You can apply for help from the USDA Food & Nutrition Service.

#6: Emergency Food Help From Food Banks

Another option that you could explore is food banks, these programs are for families and individuals who have nowhere to turn to and need immediate assistance. These food banks are sometimes also referred to as Emergency Food Help programs dedicated to helping people overcome hunger. Food banks are spread all across America and are one of the greatest programs available in the world today. Being hungry feels terrible seeing your family experience hunger is even worse, these nonprofit organizations helps people all across America with food. I have bookmarked as many Food Bank Programs that I could find, I will add more as and when I find them. 

If you know anyone who is experiencing hunger then forward this guide to them, if you know more hunger food banks then leave a comment below for people to share. You should also do some research on the internet to find churches that help with food. Go to Google Maps and then find all the churches in your area and contact them individually to inquire about churches that help with food. Nearly all churches have a program to help hungry people. Search for the following if you need emergency food help.


Search 1: Feeding America Food Banks
Search 2: North Carolina Feeding America Food Banks
Search 3: Food Pantries America Food Banks


#7: Grow Your Own Food


If you've got a garden you have to grow your own food or at least try, if you can become a better gardener every year then the less you'll have to spend on your grocery. When I was experiencing hardship my garden became a respite from the depression of not having money, I grew tomatoes, potatoes, apples, pears, plums and used every inch of my garden to get some food, leaving a patch empty was like saying no to money. If you've got a garden start growing things and see how much you can save, start small and then build your produce. If you're thinking about where to get help with food always consider your garden or allotment because it could contribute towards 50% of your food requirements which is just amazing.


#8: Eat Less


If you're overweight then try to eat less, if you've been putting off that diet or are thinking about losing some pounds from around the waist then do it now. Buy less food and start your diet, if you eat less you'll lose weight and have enough money to feed your family, stop spending on takeouts, on expensive beverages and foods with high fat and sugars, replace them with cheaper healthier alternatives, if you can lose weight, save money and become healthy in one go then your life will improve in three dimensions.


#9: Buy Low GI Foods 


The reason I ate too frequently was because I was eating foods high in fat and sugars, this habit was also picked up by my children, the high from the taste of fat, sugar wore off quickly so we visited the fridge more often which increased our food bills. By switching to foods with low GI I was able to feel fuller for longer, foods like Weetabix mixed Low Fat Yogurt and fruits. The less we ate the less we spent on food so our food bill became more manageable. 

I  Need Financial Help


If you're desperate and have nowhere to turn to and need urgent financial assistance you should visit the USA.Gov website to find financial help from the Government. You could get help with mortgage assistance programs, military financial assistance, financial help for self-employed, and financial assistance for pensioners. All these programs are designed for people who need financial help.

I Need Help Buying Food Summary




If you need help buying food for your family then try some of the tips mentioned above, the more attention you put into the advice the more money you could save which will help you to put healthy nourishing food on the table for your family. Please feel free to comment and add more tips to this guide, the more tips there are the more people we can help. Also please forward this guide to anyone who is experiencing hunger, by using social media sites like Twitter, Facebook, and G+ we can reach a much wider audience. I really hope this guide helps. Be sure to read my other Millionaires Giving Money guides if you need financial help, these guides will help you save and make money in every area of your life.

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Sunday 22 January 2017

Get Free Unclaimed Money from The Government 2018 - The Definitive Guide

This blog is about how people ask millionaires, billionaires, and philanthropists for financial assistance. However, from time to time I get emails asking whether there are any other ways of getting free money for hardships. This post looks at how to get free unclaimed money from the Government as well as other sources. I would urge you to read How to Get Free Money from the Government 2018 - The Definitive Guide if you want a list of all the helps that's available to you.

If the Government owes you money and you don't take it then its unclaimed money which is set aside. This can happen with Government benefits, banks, credit unions, pensions and so many other sources of income that you might have forgotten about.


Fortunately, there are ways to check if you have unclaimed money. It's important to be aware of scams and tricks where agencies ask you for an upfront fee for money they claim to be yours. 99% of the time these agencies are con artists so tell them where to get off.

The First step is to check State by State to see if you have any unclaimed money. You can also check this for your parents and siblings in one go if they permit it. If you've lived in multiple states be sure to check. You can check State by State for unclaimed Money on the bookmark below
.

Unclaimed Government Money State by State Search
PBGC: Pension Benefit Guaranty Corporation - A U.S. Government Agency
If you're retired and remember contributing to different pension schemes at different jobs then you could have an unclaimed pension somewhere. Given that the stock market is at an all time high there your pension pot could be quite significant. You can check to see if you have unclaimed pension money even if the company went out of business or ended the defined plan on the bookmark below.
IRS Logo
If you've overpaid your taxes then the Government doesn't have to tell you. It is your responsibility to find out if you've been overtaxed and then claim any extra money you've given. You can check to see if the IRS owes any money if your tax refund was unclaimed or undelivered. You can also check to see if you've filed a tax return which was more that what was required on the bookmarks below.
NCUA
Major Banks and Credit Unions failed where deposits that were insured by the Federal Deposit Insurance Corporation (FDIC) failed between 2007 to 2011. There are billions of dollars worth of unclaimed money that people just did not bother with. You can check to see if you have any unclaimed money with Banks and Credit unions on the bookmarks below. You can also check to see if a Securities and Exchange Listed Company which failed owes you any money below.
[Logo: Homes and Communities: U.S. Department of Housing and Urban Development]
FHA-Insured mortgages have been under the spotlight, consequently, there is a change that you might be eligible for a refund if you had an FHA Insured mortgage, this refund will come from the Department of Housing and Urban Development and you can check on the bookmark below.
TreasuryDirect Logo
If you saved money in Treasury Bonds and forgot all about it, you can use the Treasury Hunt which allows you to look for bonds issued after the 70's which have matured and no longer pay interest, you can work out the value and then make a formal request for the unclaimed money on the bookmarks below.
Finally, if you've been around the world and lived in different countries and opened Bank Accounts everywhere you can check to see if you have any unclaimed money on the bookmark below. US Nationals can find unclaimed money from Foreign Governments, Foreign Banks and even loss of property below.
Looking for unclaimed money takes time and patience, you must be organized and disciplined to see the process through to its conclusion. If you're experiencing hardship then it's worth taking the time to check these services to see if you have any unclaimed money.

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Monday 16 January 2017

I Cant Pay My Rent This Month What Do I Do - Rental Assistance 2018

I Can't Pay My Rent This Month What Can I DO? Please Help!


Here at The Millionaires Giving Money Blog, we love to help people facing financial hardship. Not paying your rent is definitely something low-income earners worry about, especially in the 2017 New Year when finances are tight. If you're finding it hard to cover the rent this month and you're worried about being evicted from your home then this guide will help go get yourself together financially

There are a number of options that you could explore when you're facing difficulties while paying your rent. This guide will suggest some tips, offer advice and list some of the other options that you could check out if you're circumstances are getting desperate.



The guide contains important links to resources that many people in similar circumstances have found invaluable, please bookmark this and share it with others that might find it helpful, leave a comment if this guide has helped and share on social media so more people can find the guide.

Important Note: The most important thing to bear in mind is that you're not alone and help is available. Everyone suffers a setback from time to time, the important thing is that we bounce back much stronger.

If you want the opportunity to dig yourself out of poverty check out the following posts on making money quickly. All these ideas and strategies are legal and you could end up making a lot of money. I have used these strategies to increase my income and multiply my revenue streams.



#1: Inform Your Landlord Immediately if you Need Help Paying Rent 


When you need help paying rent the first step you should take is not the easiest but it's essential. Notify your landlord that you're experience financial hardship and you're not going to be able to pay your rent this month. Let the landlord know the reasons and then let them know what steps you are taking to get the money together on a permanent basis.



You can put your circumstances in writing if you're having problems communicating with your landlord or if you feel uneasy talking about the subject. If you're being harassed then help is available, I have included a link below which explains how you write a hardship letter for delinquent rent, another link offers how to handle harassment.



#2: Sort Your Finances Out to Help Pay My Rent


If you're facing financial hardship then it's time you confronted your demons and sorted your finances out. It's easier said than done however once you get it out of the way you'll feel much better. This is a crucial step when you 
need help paying rent. Create a income and expenditure financial statement, list all your income and expenses and go through them with a fine tooth-comb. Cut needless spending and then try to make the ends meet. Some of the areas you can cut back on are:
+ Eating Out:
 Fast Food/ Restaurant/ Take Away   
+ Entertainment: Cable/ Elaborate Cell Plans/ Magazines/ + Excessive Internet Packages 
+ Transport: Walk to Work/ Cycle to Work
+ Groceries: Find Cheaper Alternatives/ Use Coupons

If you're on a very low income and it's impossible for you then there is help available (will be discussed later). If you're really terrible with your personal finance then try following some great personal finance blogs. The blogs listed below helped me get my finances in order and now I've been paying my rent on a regular basis without missing any payments and even have a contingency emergency fund.

You can also use the  income and expenses statement so that you can show your landlord that your taking positive steps to overcome the rental delinquency by cutting costs and prioritizing your spending. When you're landlord realizes that you're taking positive steps to heal your finances you are likely to be given more time and empathy. 

#3: Don't Get in More Debt


When I was experiencing hardship and needed help with my rent I avoided getting further into debt. If you're having difficulties paying your rent because of debt then do not use more debt to cover your rent, the deeper into debt you get the harder it will become to pay on a regular basis. If you do have a high ratio of debt compared to your income then it's time to call you're creditors and let them know that your experiencing financial difficulties and you want interest and minimum payments reduced.
Cut your credit cards up and stop using them until you get your financial house in order. Talking with my creditors helped reduce my payments by more than 50%, talking to a debt counselor helped to stop all my interest which made more pressing expenses like rent payment possible.



#4 How Do I Get Help With My Rent?


If you're on a very low income of have experienced poverty, financial despair or disaster recovery or are unemployed you can turn to public assistance for help. There are many programs that you can explore to reduce your expenses, you can even get help towards your rent. Check to see what benefits you might be eligible for and then look for any rental assistance programs that could help you.



I have listed all the options that you can explore for rental assistance below as well as other programs that could reduce your monthly expenses, rental assistance comes in the form of rental subsidy to landlords, Public Housing and Housing Choice Voucher Program (Section 8).


Rental Assistance Programs from HUD


Privately Owned Subsidized Housing: The Department of Housing and Urban Development offers apartment owners subsidies so they can pass these savings onto tenants through lower rent rates. You can search for subsidized apartments on the rental assistance page on the HUD website by finding your own state.

Public Housing: The Department of Housing and Urban Development has a supply of affordable low cost housing and apartments for low income families, elderly, and disabled. You can apply for these programs by visiting the public housing agency rental assistance page on the HUD website.

Housing Choice Voucher Program (Section 8): This is a great program which allows you to find your own apartment or house and then use a voucher to pay for all or part of the rent. If you are interested in this option you can visit the HUD website and go to the rental assistance page.

The rental assistance resources on the Department of Housing and Urban Development site is very comprehensive and is worth reading thoroughly if you're experiencing hardship when paying your rent. You can receive advice from the Housing Counselling Agency and educate yourself about fair housing, tenant rights as well as security deposit rates on rents. You can also find out more about RAD (Rental Assistance Demonstration) which allows someone to convert to more stable funding platforms.


 

#5: Help From Friends and Family for Rental Assistance


If you're already on the streets then it's time to swallow your pride and ask for help, delaying will only make things worse, if your family member or friends are willing to help then you're slowly taking positive steps to get out of hardship, if they refuse you'll only be back where you are now and you'll know who your friends are. Meet with your family members and friends, explain your circumstances and ask for help, more often than not you will receive help.


#6 Places to Stay if You're Homeless


If you're homeless and you cant turn to friends and family members then there are a number of agencies that you can turn to. I have included a link which offers invaluable resources for people who are homeless, are on the brink of becoming homeless or know someone who has become homeless.



#7: Contact Religious Organizations and Charities



Another option you can explore is going to charities for rental assistance. These are specific charities such as the Salvation Army who specialize in helping homeless people to get off the streets. Religious organizations also have enormous discretionary funds to help people in need. Some charities and religious organizations have their own shelter to help people in need. Take action now and reach out to these places for help and see what they have to offer in terms of rental assistance.



I Cant Pay My Rent This Month What Do I Do?



If you're facing difficulties with your rent then it's time to open up and share the problem, take positive steps and improve your finances, look for ways to increase your income and lower your costs. Check for any help you can get from the government and always keep your landlord in the loop. If you cant pay your rent this month you need to take action.

The most important step is to notify your landlord and then go through all the resources on this page to find a solution to your problem. You should also consider ways to increase your income. Check out some of my guides on how to make money quickly. These guides offer legal and legitimate strategies to make money. 

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