Home Expense and Utility Assistance
Weatherization Assistance – Helps families make their homes more energy efficient to reduce energy bills.
LIHEAP – Low income energy assistance program
WARM program – Helps low income families with utility bills, contact your local utility for more information.
Tax Credit and Exemption Programs – This is a link for MD, may be available elsewhere
Homeownership Preservation Foundation (888-995-HOPE) – Provides counseling and a plan of action for families experiencing threatened foreclosure, can also refer you to free services for other financial issues, such as credit card debt.
Emergency Financial Assistance for Housing Program (Florida) – provides a one-time payment of up to $400 to families who are totally without shelter or face the loss of shelter because of non-payment of rent or mortgage.
Safelink – Provides free cells phones and airtime to low-income individuals (may not be available in all states).
Ontario Rent Bank Network – Rent and utility help for residents of Ontario
Database for state incentives for renewable energy and energy efficiency
Federal Tax Credit for Energy Efficiency
Wheels of Success (Florida) – Provides vehicles and car repair to families in need
Emergency Financial Assistance
Modest Needs – Provides grants to families in need of financial assistance
Emergency Financial Assistance (Wake County, NC) – Provides assistance with rent, security deposit, utilities, prescriptions, eye care, caskets, and bus tickets as well as information and referrals for families in emergency situations.
Army Emergency Relief – Provides financial assistance to soldiers and their families
Air Force Aid Society – Provides financial assistance to airmen and their families
Emergency Financial Aid – Resources for assistance with college expenses
CAF: Emergency Financial Assistance – CAF provides one-time emergency financial assistance for necessities such as utilities, rent, burial assistance, etc.
Temporary Assistance for Needy Families (Oregon)
Resources for Parents and Children
Miracle Diapers – Loans diapers for a shipping fee, low income requirements.
Imagination Library – Provides one free book per month for children from birth to age 5. May not be available in all areas, no income requirements
No Mother Left Behind – Provides slings for low income families
Nursing Necklaces – Click on Donations under the Ordering tab
Operation Special Delivery – Provides free or low cost doulas to military families
Kyle David Miller Foundation – Provides car seats with 5-point harnesses for children over 40lbs, low-income requirements.
Safe Kids – Locate a Safe Kids Coalition near you for information on obtaining a car seat if you are a family in need.
Toys for Tots – Collects and distributes toys for children in need during the holidays.
Coupons for Groceries and Household Goods (Canada)
WIC – provides Federal grants to States for supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk.
Angel Food Ministries – Provides low cost food relief packages, no income requirements necessary
Self-Help and Resource Exchange (SHARE) – low cost food packages
- S. & Central CA, NV
- IA, Eastern NE, Northern MO, SD
- PA, DE, NJ, Metro NY & the MD E. Shore
- DC, MD, VA
- WI, northern IL, northeastern MN and the Upper Peninsula of MI
Serve New England (similar to SHARE)
Money Saving Mom – A blog dedicated to helping you find great deals, stretch your hard-earned dollars, and live on less than you make so you can save more and give more.
School Clothing Allowance (West Virginia) – Clothing vouchers for school-aged children, applications are accepted from July 1st-July 31st.
Dress for Success – Provides professional attire for low-income women
Medical Expense Assistance
Consumer Reports Best Buy Drugs
Merck Patient Assistance Program
AstraZenica Patient Assistance Program
NeedyMeds – Offers information for free/low-cost clinics as well as prescription drug assistance.
Emergency Services for Fibromyalgia and CFS patients
Lilly Cares – Provides prescription drug assistance for those without insurance.
TogetherRX – Patient assistance program for prescription drugs
Bridges to Access – Patient assistance program from GlaxoSmithKline for low-income families
RX Hope – Provides support and information for prescription assistance
Partnership for Prescription Assistance – Helps find prescription assistance programs for those in need free of charge.
*Contact your energy company for information on a medical allowance for “life support equipment”, as well as heating and cooling assistance needed for medical reasons. This can include reasons such as asthma for children who require a nebulizer.
American Red Cross – Assistance during and after a disaster
Wish Upon a Hero – Free online community for giving and receiving help
Time Bank – Check this directory to see if you have a Time Bank in your area. By giving up some of your time you earn Time Dollars that then lets you get help from someone else you need – like child care, car or home repairs, wellness services, transportation, etc. All it costs is a little bit of your time.
Resources and Tips
General Assistance for Low Income Families – Please contact your local muncipality or check their website for available assistance. This an example is what is available.
CareerOneStop – Tools for job-seekers in addition to Workforce Investment Act (WIA) /Individual training Accounts (ITA) providers by state.
Michigan Works – Training programs in "high demand or emerging sector occupations." Eligible if unemployed or received layoff notice or make less than $40K a year.
Michigan No Worker Left Behind – Helps provide training for new careers in high demand occupations, available to anyone who is unemployed, received notice of job termination, or for employed individuals whose family income is less than $40K a year.
Resources for those facing natural disaster, also lists many organizations that offer help for low-income families
NAUPA – Searchable database to locate unclaimed money
Tips for lessening financial burden
Freecycle and Cheapcycle
Get Rich Slowly – Free E-book on Roth IRAs
Home energy yardstick – Compare your household’s energy use to others around the country and get recommendations for improvement.
LoanSafe – Offers loan modification and foreclosure avoidance information via forum.