When money is tight, the first thing families cut is anything considered extra or unnecessary. This factsheet will help you find ways to trade work for fun or spice up free activities in your community.
Before deciding how much home you can afford, make certain that home ownership is appropriate for you by considering a few simple questions. If the answer to any of the questions is “no,” you may need to wait or investigate further before considering home ownership.
Taking care of a parent, spouse or older relative while holding down a full-time job can be very demanding and stressful. This publication offers information on how to assess your situation and identify additional resources to help.
In the event of income or job loss, it is important to reduce family spending right away. Even if you think you will have a new job soon, failing to do this right away can add to the stress and pressure of finding a new job. This factsheet outlines some options to cut and prioritize spending.
This factsheet covers different programs available to help with health care costs during unemployment.
This publication offers tips on how to store bulk purchases of food.
This factsheet offers information on what to do if you lose your job.
In the event of economic stress or hardship, it is a good time to step back and take stock of your many resources. These resources may be personal, that is, something within you, or from your family and community. Ideas for identifying and making the most of these sources of strength and support for getting by when times are tough are included in this factsheet.
Is losing your job a possibility or a reality? Few families have savings to buffer their expenses until they find work again. Acting as if nothing has happened and keeping kids in the dark — letting them think everything is normal — can only last a short while.
There are a number of things you can do each day to help reduce the cost of running a household. This publication offers some simple ideas to help you get started.
If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance right away, if possible before you even miss a payment. Lenders do not want to take your house. This publication will offer tips on preventing foreclosure and how to get help if you're at risk of foreclosure.
Regardless of how much you have, money is often the source of conflict for families. The tough economy can take a toll on even strong marriages, partnerships and households. This factsheet offers tips on how to manage and resolve conflicts.
This publication offers tips for avoiding employment scams.
We all know how important it is to eat healthy, but you may ask “How can I eat healthy and still feed my family on a limited budget?” This publication offers some tips that will help you do both.
Heating and cooling your home account for approximately 43 percent of your utility bill. This publication suggests some ways that you and your family can save money on your heating and cooling costs.
One way to save money is by preparing foods yourself or from scratch rather than paying for the added processing costs of the prepared foods available at the grocery store. This publication compares making several foods from scratch versus buying them prepared at the grocery store.
This publication offers tips on how to compare food costs at the grocery store to save money.
If you have trouble making minimum payments on your credit cards, creditors, in general, will be more likely to work with your family if you contact them before they contact you. This publication offers tips on speaking with your creditors and making a plan to get out of debt.
This factsheet offers tips and resources on securing new employment.
This publication offers tips on dealing with stress.
If you have a need to buy a car, this publication offers some tips to help you get the most for your money.
When money is tight, look for ways to reduce household expenditures. This publication offers a number of simple no cost/low cost things you and your family can do to help save money on your utility bill.
Leftovers sometimes get a bad reputation. With some preparation, however, leftovers become planned-overs and can make your meal preparation a lot less hectic.