Help in Getting Through The Hard Times

Have you heard of Modest Needs? It is a group that makes self-sufficiency grants by remitting payment to a creditor for an expense on behalf of an otherwise self-sufficient individual or family for a relatively small, emergency expense which the individual or family could not have anticipated or prepared for. Their website says that "In making a Self-Sufficiency Grant, our goal is to prevent an otherwise self-sufficient individual or family from entering the cycle of poverty as a result of the financial burden posed by a relatively small emergency expense. For example, we might make a Self-Sufficiency Grant to cover the cost of an emergency auto repair that must be made if an individual is to continue working. If an unexpected expense might derail your budget for months or years, Modest Needs might be just the resource you need. They also have an excellent list of other emergency resources on their web page.