Little tips to lessen the financial burden on you.
How hard can it be to live in America?
Very hard. Now more than ever, it is hard to even survive for most people in our country. Those people who are struggling to make ends meet, to pay for heat, food, gas for transportation, rent or a mortgage, on top of overwhelming medical bills, insurance, clothes, etc. The list goes on and on and each person suffering is not feeling a pinch, but a stabbing realization at the possibility of homelessness. How dire a situation can be that attempted suicide is an option like the 90 yr old woman from Akron Oh?
But know that there are resources out there to help. I am not talking about support groups, hotlines, and therapy. I mean financial assistance. Not only from the government, but the private sector as well.
All it takes is a little legwork- on your part to seek these support systems out to help ease the financial burden of living in America.
Remember one thing-begging is neither demoralizing nor something to be ashamed of. Everyone is doing it and when you think about it- what is more important, the health and well being of you and your family, or your pride? Sometimes, you just need to suck it up and ask for help. And help is there.
Here are some important sites, tips and benefits you can access to help you during this tough time- and this is coming from experience by the way.
Heat and Power:
Check out your provider’s website for many programs to help keep your power on and lessen the burden on your wallet.
Financial Assistance with medical bills:
“Free Bed” programs. Money is donated from many sources and set aside for just this reason. Almost every hospital in the US offers this program. This is for people who even after their insurance pays little if any towards their hospital bills, will help forgive most of the outstanding debt you may hold after a medical procedure, emergency room visit or treatment like dialysis or chemotherapy. Go to your hospital’s website and find the contact to the “free Bed” programs and get on the phone! Apply. The worst they could say is no, right???
Do you pay back taxes to the IRS? Are you receiving bills from them asking for payment? You have a few options here, a simple repayment plan is always offered by the IRS. Read through the literature they give you. If you notice, there is a little paragraph that says “Interest and Penalties”. Of course the IRS will charge this on any back due amounts- BUT, if you feel they should waive your interest and penalties, you can request it. http://www.irs.gov/pub/irs-pdf/n433.pdf. If you have a reasonable cause as to why the fees should be waived, you can request it. What is a reasonable cause? That is for you to decide.
Published in: Personal Finance