Need help paying bills
In today’s challenging economy, more and more people around the world need help paying bills. Between mortgage, rent, utilities, insurance, credit card debt, tuition fees, and medical bills, families all over the world sometime do really struggle to make ends meet. American families, ones who have been hit hard by the recent recession, have found themselves forced into situations that are unstable and uncomfortable.
US citizens way past their retirement age have needed to go back to work, often finding jobs at fast food places. Countless families have lost their homes to foreclosure, businesses have closed and, futures have been delayed. The worst aspect of this overwhelming situation is that young children have found themselves uncared for and may live in absolute poverty.
Look for information and resources if you need help paying bills
If you and your family need help paying bills, perhaps the first step in overcoming your struggle is to dig for information. There are many assistance programs and charity organizations that are willing to provide you with the help for paying off bills and mortgage debt. These programs typically show you ways to save money as well as provide tips on how to balance your money when there just doesn’t seem to be a lot of it. Reevaluating your situation, setting new priorities, and looking for assistance, may be the key to financial stability.
Some of the primary expenses that America’s families find themselves needing help to paying off bills are the following:
- Medical bills are important in cases that are both preventative and emergency. We know that one’s health is his biggest investment. If your body is weak, then the chances of earning money are significantly less. There are low cost health care centers and clinics around the country that should be able to provide you and your family with free vaccines, vitamins, and medical care. Programs that assist you with paying off hospital and medical bills are also available. Some of them even offer medical bill settlement plans, government feeding programs, and medical billing advocacies.
- If housing assistance is your main concern, many institutions like the federal government, Bank of America, Citigroup, Wells Fargo, JP Morgan Chase, Washington Mutual, and state governments are willing to provide mortgage help and foreclosure prevention to millions of American homeowners who are struggling to keep their homes intact. Many states also have government mortgage assistance programs, provide grants to help homeowners with their mortgage, and offer foreclosure mediation. Many organizations have also felt the need to aid renters. These community action agencies, charities, and local non-profit agencies provide assistance in paying back rent and security deposits so that renters can avoid potential eviction and homelessness.
- Debt help is perhaps the hardest to deal with. If there is no money on hand, people are forced to use their credit cards. Because there is no money to pay the bills off, credit card companies will usually tack on more charges. Credit card companies have felt the need to adjust to struggling Americans and are now offering their customers help and assistance with paying off their credit card debt. As a preventative measure, most companies offer programs like debt management, forbearance, and hardship programs. Debt settlement programs are a great way to save on interest expenses, waive fees, and reduce debt. Credit card hardship programs are also another way to reduce interest and get out of debt. It is worth noting that last year, close to 3 million American customers signed up for these types of programs. This number is astonishing and is an indicator of how many need help paying bills.
- Utility bills are another large expense that American families incur. Several government programs and utility companies are willing to help families and individuals pay their water, heating, and energy bills. Some companies even offer weatherization improvements. Weatherization Programs assess your homes to determine what energy saving measures may be needed. These measures include ceiling insulation, gas furnace repairs, gas stove replacements, the installation of water saving devices and programmable thermostats, and other minor home repairs.
- Property tax increases are the result of rising home values and not from the local government’s increase of taxes. Because property value has gone down in most areas, now is a good time to save on your own property taxes. It is important that every homeowner know that property taxes may be challenged. Because many properties in the United States are overassessed, it may be possible that you are paying much more than you are supposed to be paying. If you do not know how to go about challenging your property tax, is may be best to hire an attorney or property tax consultant. Many of them work on a contingency basis, meaning that they work for free and will only charge you if they are absolutely able to save you money.
Other expenses that are often overlooked are gasoline, auto loans, health and life insurance, tuition fees, phone bills, grocery bills, and child care expenses.
Get legal advice and assistance if you need help paying your bills
Looking for help may make all the difference in the world, to you and your family. Lawyers are often willing to provide pro-bono and free legal advice and aid. Many state and local counties offer and administer government assistance programs. There are also numerous charity organizations that target low-income households and will do whatever they can to make sure that you and your family stay afloat.
Resourcefulness is necessary if you need help paying bills. If you are willing and able to put in a little time and effort into research, it is easy to find assistance that can help you save thousands of dollars a year. A simple way to save money on groceries and other necessities is to apply for free accounts with nationwide retailers like Wal-Mart, Petsmart, and Babies R Us. These retailers offer anywhere from 3-15% Cashback bonuses that will give you rebates every time you shop.
If you have recently been laid off and find that you need to spend more time at home with your children, a home-based job is a good option. Being able to work at home allows you to supplement your income by working on the internet. There are many freelance writing, editing, and copywriting opportunities on the internet. Another trend is “homeshoring” in which American companies are bringing jobs back to American citizens instead of outsourcing them overseas.
Debt is not the end of the world. If you need help paying bills, there are many institutions that are more than willing to help you sort out any debt issue you may have.