Frequently asked questions
What should I pay first?
Housing, utilities, food, transportation and medicine.
Should I call creditors?
Yes, before you fall behind.
What is 211?
A service connecting people to local help.
Are payday loans a good idea?
They can be very costly.
How do I start saving?
Save a small amount each paycheck.
What is credit counseling?
Help with budgets and debt plans.
What if I cannot pay rent?
Talk to your landlord and seek rental assistance.
What if collectors call?
Know your rights and ask for validation.
How do I avoid scams?
Avoid upfront fees and guarantees.
Can I get food help?
Check SNAP, WIC and food banks.
How often should I review my budget?
Weekly during tight times.
What if I feel overwhelmed?
Take one step at a time and ask for help.
Which bills should I pay first if I cannot pay all of them?
Usually housing, utilities, food, transportation and medicine, then taxes and court-ordered payments, then unsecured debts.
What benefits should I check?
SNAP, WIC, Medicaid or marketplace coverage, unemployment insurance and the Earned Income Tax Credit.
Can I get help with my mortgage?
Call your servicer before you miss a payment and talk to a free HUD-approved housing counselor.