For families in need of monetary assistance for food and housing or those simply in urgent need, there are several strategies to find aid. While several government programs, at both the federal and provincial levels, offer financial assistance to individuals and families in need, they require you to apply. Yet, there is the risk of not being accepted because some minor detail in your background unfairly defines you in the eyes of the government.
Here is what you can do to help families in need.
Apply for Provincial Supports
A program such as Ontario Works supports individuals seeking employment and struggling. Most provinces have some sort of social assistance network worth looking into for families that need extra support through tough times.
Ask Family Members and Friends
You may have parents, siblings, extended family, or friends willing to step in and lend you money or offer more long-lasting solutions. Be transparent and honest when approaching someone, though don’t expect an easy “yes” or an agreement without conditions.
Contact Local Utility Companies
Ask your local utility companies for a break on your bills. They may have programs for low-income individuals and be willing to negotiate a better rate for electricity, water, and gas. Though not always the case, this is a strategy you can use to lower expenses and divert your existing income towards other places.
Contact Your Landlord
If you have an excellent relationship with your landlord and believe you may not be able to pay your rent this month, contact them in advance. Let them know what’s happening. Show them your budget. Explain why you’re struggling. Offer them a payment plan based on what you can afford.
Turn to Payday Loans
Payday loans can offer you immediate cash when you need it most. They work faster than banks, don’t require the best credit, and will work with you according to your paycheque to provide an advance. Quick and easy funds access. Easy application and approval. Payday loans are always an option for families needing financial aid so long as you’re confident in repaying.
Apply for Federal Benefits When Available
Register for CRA My Account. Ensure you are registered to receive those benefits whenever a new program becomes available. This may involve ensuring your taxes are filed on time and current.
Contact Your Local Church
Many local churches are willing to provide a wealth of support to needy families, though it may not be financially sound in design. However, they may be able to provide food, clothing and other essentials to keep everyone warm and safe. A church may even be able to direct you toward shelter or temporary living arrangements to assist you while you get back on your feet.
Consider Food Assistance Programs
Food assistance programs, local food organizations, and food banks are available in many parts of the country. Many of these groups are more than willing to help families in need. With more food in the home, this is one less area you must spend your money on.
Look at Local Community Organizations
Instead of church, seek out local community organizations you can join. Ask for help. This may not come in the form of financial assistance. However, you don’t know what resources may be a phone call away or a car trip away without asking.
Liquidate High-Value Assets You Own
If you have assets to sell, consider selling them. Jewelry and watches. Instruments. Clothes that have value. Electronics – TVs, tablets, smartphones, laptops, gaming consoles, books, etc. – can often be sold through Facebook Marketplace, Kijiji, and similar online classifieds. Depending on what you’re willing to part with, this can provide some cash infusion for a needy family. However, it may take time to find buyers.
Approach a Credit Union
Credit unions are another option. They offer loans with low interest rates and can provide financial advice on how to move forward. That said, you need to find a credit union and apply to become a member. You may not qualify for the loan you need to advance depending on your credit.
Take on Cash Jobs and Additional Work
If you have the means, take on another part-time job or odd jobs, like babysitting, mowing the grass, grocery shopping for older adults, or dog walking. Consider becoming an Uber driver. You may earn a few hundred extra dollars every weekend by working a few odd jobs.
