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With so many of us facing financial hardship due to unemployment and other problems, it can be very stressful and difficult to find a quick way out for yourself and family. If you have problems making ends meet, do you know that there are various free government hardship grants for paying medical and utility bills, food vouchers, cheap accommodation arrangements etc. It can be a better option compared to a 90 day loan to buy you time. These are legitimate and easy government money to use, as long as you can prove your no or low income situation, you can get the government grant money for basic daily expenses. When you are facing a prolonged financial crisis in life, be open to all possible sources of help available for free from the government. There is no need to feel embarrassed or awkward, since the priority is to improve your situation as soon as possible.

Hiding your jobless status and dwindling personal savings will only make things worse. Getting a loan online or from friends and relatives can help you tide over any short term difficulties, but why not get free and legit government grants which you have no need to pay back?

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If you are genuinely in need of federal assistance, you will be able to get free money from these legitimate government grants for financial hardship and low income families. There is no need to pay for learning any secrets to ensuring free grant money approval.

Free Government Money To Pay Utility Bills

For example, the California Department of Social Services announced that you can get $200 of food stamp vouchers every month in the form of a SNAP funded electronic debit card account to buy only essential food items. As long as you have less than $2000 in assets (or $3000 for senior people over 60 years old), you are eligible for this Supplemental Nutrition Assistance Program.

More and more American families are finding it difficult to pay their utility bills every month. With winter approaching, do you want to risk getting your home heater switched off and let everyone face the cold? There is a ready free solution provided by the federal government to pay the electricity bills for Americans who are facing financial hardships caused by the global economic recession.

If you fall sick and is unable to work for months, it can wipe off all your savings and cause problems for your family as well. Medical bills can be very expensive depending on your health conditions, but you can ask for help from the government to pay for medical care.

These are not the usual advertisements claiming you can get free government money to pay off credit card debts. Like we mentioned, you have to be in serious financial problems to cannot afford to pay for food, bills, basic daily expenses etc in order to get such legitimate no need to pay back utility grants from the government that can alleviate any sufferings for the next few months.

While such free government money to pay utility bills may not be much, it helps to preserve your remaining money that can be put to better use and avoid having to get a loan when you are unemployed. You can use it for a training course, sustain yourself until you get a new job, pay off your debts faster etc since the basic expenses are being paid by the federal government. It may not sound a lot, but you can definitely restore back your usual lifestyle faster even if these legitimate grant money is limited.

The fact remains that many people do not know how to rely on such government hardship assistance programs for helping low income families. Although there are more free money assistance from the government for people with low income, even those in the middle class or upper income earners can get some benefits to help pay bills.

Such programs are supported by the taxes collected and range from monetary aid for home heating and electricity, education, food, housing, health care, child care, etc. These programs are designed to help support low income individuals and their families and maintain social stability. We repeat, these legitimate government grants are not designed to help pay off your debts directly. And you should not try to borrow from direct lenders for a 1000 loan out of desperation.

Contact your local department of social services immediately to schedule an appointment for verifying your situation. Get all your tax forms, checking account statements, pay stubs if any, heating, electricity, water, medical bills etc which you have problems coping with. These will help facilitate your case review and let you receive the entitled free government grants faster.

The social welfare officer will inquire more about your financial hardship and health conditions etc before suggestion a list of available programs you can go for, such as medical aid, child care assistance, college study grants, heating assistance etc.

Assistance Programs For Helping Low Income Families

Other ways to get heating assistance for the poor and needy include the Citizens Energy Oil Heat Program or the Low Income Home Energy Assistance Program (LIHEAP). Your local city hall may also be able to offer some help to pay property taxes and water/sewer bills, especially for senior persons and low income groups.

Posted June 16th, 2011. Filed under Budgeting General Unemployment

Can You Get A Loan With No Job?

Life can be a hardship when you are unemployed and have little savings to fall back on. Without any source of income, you may not have sufficient cash to cope with an emergency, such as an auto repair or paying for a flight to attend a funeral. In this article, we explore the different ways in which you would be able to get a 200 loan online.

As expected, getting a loan when you are unemployed is difficult as the majority of lenders want to see verifiable income before approving a loan. For banks and high street financial institutions, there is little chance of getting a long term unsecured personal loans with bad credit, let alone against unemployment. These mainstream lenders have stringent lending guidelines which make it extremely hard for anyone to get a loan with no job. However, exceptions are made if you are able to provide collateral as bargaining tools for low fee loans from banks.

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With collateral to secure repayments of a personal loan, it reduces the risk exposure of a bank in providing long term loans for people with no job. Such secured lending will likely be used if you are a homeowner to get a large personal loan for 5 years or more. You can also use your car as collateral to get a title loan and evaluators from the banks will assess the fair market value of your assets against your requested sum before making a decision on it.

Need A Loan Today, But Unemployed And Have Bad Credit

But what if you are someone who is unemployed with bad credit, have no assets and need to borrow money today? While a title loan is definitely out of the question here, you would still be able to get a 200 cash loan through a pawn shop. There is a social stigma with going to a pawn shop and bringing a box of jewelry to exchange for cash, but there’s no doubting that it represents one of the surest way for anyone who is without a job to get cash quickly.

Installment Loans For The Unemployed

The advent of the Internet has allowed for much things to be done online and these days, pawn shops have gone high tech as well. There are a few reputable online pawn loan lenders, such as Pawngo or Bommerang Lending, which allow you to find a loan without even leaving your home. If you have any luxury items or electronic goods of value, you can have it appraised over the phone by their appraisers or in the case with Pawngo, they can arrange for free shipping to deliver your items over for their expert appraisers to give you a quote.

It should be pointed out that such an arrangement is not a trade and you are not selling anything. The lender merely takes hold of your items as collateral and you are able to get back everything upon full payment of the loan when the contract is due.

Typically, short term installment loans between 3 to 6 months can be arranged and extensions can be made if you need a loan for more than 180 days. As a payday loan alternative, these secured installment loans with no upfront cost usually have much lower APR and the repayment period is much longer than most short term payday loans for 30 days. For those who need an unemployment loan with low interest, I always suggest people to get a pawn loan online, as the finance charges are not as exorbitant, and there is little risk of getting yourself into debt since come end of day, if you are not able to make the repayments, you only lose what you had initially pledged as collateral.

All the aforementioned options are some of my own personal experiences in trying to find out how to borrow a small $200 loan for emergency. Depending on your own situation, you should always exercise caution when you need to borrow money but have no income. I’m saying this because the threat of debt collectors knocking on your doors is real and you are only digging yourself into more trouble if you attempt to rely on unemployed loans to make ends meet.

Posted June 13th, 2011. Filed under Budgeting General Unemployment