More Tools for Your Financial Survival Kit
Three of the largest expenses that most people have to face on a regular basis are mortgage, food, and medical costs.
Buying a home, owning a home and paying a mortgage are all huge financial efforts which right now could probably use some help.MakingHomeAffordable.gov is a site run by the government to give homebuyers and homeowners information on the Home Buyer's Tax Credit, and on refinancing and loan modification options. In addition, nonprofit credit counseling agencies, which can be located through NFCC.org, can act as mediators to help the loan modification process if you are having difficulty working directly with the lenders.
AngelFoodMinistries.com is a nonprofit food distribution organization that operates in most of the 50 states and it does not have an income or application requirement. Check their site for monthly menus that are designed to feed a family of four for a week or an individual for a month at a cost of approximately $35. Just put in your zip code to find a distribution center near you.
One of the biggest expenses and leading causes of bankruptcy is medical debt. If you have to go to the hospital for an emergency or a procedure, the tab can go up exponentially with doctor and testing charges and you can end up with ridiculously large bills. EmpoweredPatient.com provides cost comparisons for hospitals, doctors and medical treatment, along with health topic information and news which you can review before making an appointment for a costly procedure.
Lastly, let's throw in a major long-term expense resource tool. One of the largest expenses in life is paying for college. Go to SavingForCollege.com to understand college plan options and costs. Remember that there are many ways to fund a college education: grants, scholarships, work-study programs, loans, and Education Savings Accounts. If you research all of the options well in advance and make a plan, it will be a cost that you can handle.