Housing and utilities represent, in most cases, the largest monthly expenditure any person makes, as such this area covers the largest and most diverse amount of information. There are a large number of government and private agencies that help with housing – from homelessness to rent assistance, from first time home buyers to people facing foreclosure, there are places to find help paying the bills.
In the area of utilities, we concentrate on the three main needs heat, electric and phones. While most utility assistance programs are run by the government, there are some ways of conserving the money spent on them and we cover some of that information as well as details of finding and getting government help.
Help Paying Your Housing Bills
This topic is covered through three main areas:
Homelessness
There are an estimated 500,000 plus homeless people in the United States. People who find themselves without any permanent housing have a number of options for help that usually starts with a Homeless Shelter. For more information on the options available and suggestions on ways to remedy your situation start here.
Rent Assistance
There are a number of government programs that help with rent payments. To learn more about the programs that help low-income families, the elderly and people with disabilities start here.
Mortgage Assistance
Whether you are a first-time home buyer or someone battling against the bank foreclosing on your home, there are a number of options you can turn to for help. For mortgage help information start here.
Help Paying Your Utilities
While utilities can cover many things, we have chosen to cover the three essentials:
Heat
Heat is seen as one of the basic needs in most areas of the world. The United States has government programs to help people with their heating bills For more information on where to find these agencies and who qualifies go here.
Electricity
Help paying the electric bill is something many need. The places to go to find help are listed here, as are some ways to lower those bills.
Phones
The need for a telephone has become an essential service in modern society, as such we have set aside an area covering ways to pay your phone bill and the government programs that exist proving free and low cost options.