Budgeting When You’re Unemployed or Low Income


Balancing Your Budget Using Assistance Programs

It can be tough to get by on a small salary, even with careful budgeting. Luckily, there are financial assistance programs designed to help low-income families manage their money and cover daily living costs without trouble. By utilizing government and nonprofit financial services, working individuals can more easily access and save up the funds they need to achieve financial stability.

Know Your Income and Expenses

No matter what your income is, whether you rely on aid programs or not, the most important step to financial success is to keep track of your spending. There are several major expenses to take into account when planning out your monthly budget, including:

  • Rent and utilities
  • Groceries and eating out
  • Insurance
  • Medical bills
  • Transportation
  • Student loans, credit card payments, and other forms of debt
  • Leisure costs

Once you’ve figured out how much money you’re bringing in (or losing) each month, you can set about planning how to pad your savings account and improve your cash flow. Low-income individuals can also look into whether or not they can apply for local, state, and federal assistance programs.

Find Out What Assistance You Qualify For

Applying for financial assistance can help to boost your overall income each month and make it easier to afford necessities such as food and rent. Even if your family receives aid, you may be eligible for additional programs that can help you to manage your expenses better each month. Assistance isn’t just limited to cash grants, either. You can find programs that help low-income families to afford food, a new house, or hefty medical bills without throwing off their budget. Such financial aid and benefits programs include:

  • Affordable rental housing
  • Food assistance
  • Financial aid for students
  • Retirement and pension benefits
  • Programs and benefits for active military

There are plenty of government assistance programs that make it easier for families to manage their money. If you want to know whether or not you qualify for any of these programs, many offer a convenient online pre-screening tool for applicants.

Find the Right Bank Account

If you rely on government assistance programs for financial support, you may be worried that you won’t be able to apply for loans with big banking institutions. A little bit of financial assistance can make it easier to open a new bank account, however. It’s important to shop around in order to find a bank that offers accounts with financial perks such as waived account fees, no minimum deposit amount, and overdraft protection.

It can be difficult to manage your money in a low-income situation, but luckily, government branches and nonprofit organizations are on hand to step in and offer assistance. Financial aid programs not only help families to afford the essentials but also gain the financial stability that they need to pull themselves out of the red and start building a savings account.

Mystery Tackle Box Makes the Perfect Gift for the Fisherman

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Visit http://mtbfish.com/holidaygiftUSFAM to learn more!

My Readers Get $10.00 Off Your First Mystery Tackle Box – New Subscribers can enjoy $10.00 off their first box of Mystery Tackle Box fishing tackle subscription by using the promo code USFAM10. Get a box full of new fishing products delivered straight to your door. Subscriptions start at $15 per month. Coupon valid through December 31st, 2017. Visit http://mtbfish.com/holidaygiftUSFAM to learn more!

FREE Dove Body Wash at Target after Cash Back + $5 Money Maker! Here’s How

I will receive a sign up bonus for actions completed through this post. No other compensation has been received.

New TopCashBack members can get a FREE Dove body wash from Target after cash back + get a $5 sign up bonus making this deal a $5 Money Maker deal! Here’s How:

1.  Register for TopCashBack

2.  Visit the Free Dove Body Wash offer page

3.  Click the “Get Offer Now” button.  This will take you directly to the product on Target’s website and ensure it tracks to get your cash back credited to your TopCashBack account.

4.   Add the item to your cart.  You can add anything else you need/want to your cart and still get the cash back for the Dove body wash.  Choose store pick up to avoid paying shipping costs if you have a Target near you.

5.   Once transaction is verified, you will receive your cash back within 14 business days including sign up bonus.


New TopCashBack only.  Expires Oct 14, 2017


  • Note: Transactions must contain at least $5.49 worth of purchases to ensure the $5.49 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $5.49. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PT on 10/14/2017 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.




Howl-O-Ween Giveaway Hop Doterra Prize Package #Halloween2017

Welcome to the Howl-O-Ween Hop hosted by The Kids Did It  & The Mommy Island  

You will find lots of wonderful treats in this Halloween Giveaway Hop.  For mine I have some treats to help with keep the scary bugs away.  I mean, the sick bugs.

As a Doterra Wellness Advocate I love using essential oils to help prevent and as a compliment to treatments my doctor prescribes.  This is the time of year where everyone gets sniffles, sore throats, stuffy noses, etc.

Doterra Breathe Vapor stick is a great tool to have on hand.  I compare it to a natural salve like a vapor rub you might find in the store.  I like to put a little under my nose during the day or on my chest at night to help with stuffy nose and head congestion.  Works well on my children too!

If you want to be proactive I’ll also be giving away a 5 ml bottle of Wild Orange.  It helps support healthy immune systems.  Diffusing it, adding it to essential oil jewelry, or applying a little topically can also have an energizing effect on the body when you’re feeling run down.

I will also be sending you samples of some of our other essential oils like peppermint that when applied to the back and chest with a carrier oil can help bring a cooling feeling for fevers or hot flashes.  You’ll also get a sample bottle of OnGuard to help with icky germs.  I’m glad to help you learn to use your new products at any time. Please feel free to contact me if you have questions about essential oils, want to know how to use essential oils, or purchase them.

Follow my Facebook page for tips, new product announcements, and how-tos: https://www.facebook.com/EssentialOilswithAngieB/


1 winner will win a

full size Doterra Breath Vapor stick, 5 ml bottle of Wild Orange,

and several sample oils

APR $25

US only

Howl-O-Ween Hop Doterra

Now hop on over to these great blogs to enter to win even more prizes!

FREE Lysol Disinfecting Wipes at Walmart after Cash Back

I will receive a referral bonus for actions completed through this post. No other compensation has been received.

Get  FREE Lysol disinfecting wipes at Walmart after cash back for new TopCashBack members.  This expires Oct 12, 2017 so grab it while you can!

Here’s how to get your free Lysol disinfecting wipes:

  1.  Register for a new TopCashBack account (it’s free)
  2.  Go to the free Lysol disinfecting wipes offer page on TopCashBack
  3.  Click the “Get Offer Now” button.  This will take you directly to the Lysol wipes on Walmart’s website and ensure your cash back is credited to your TopCashBack account.
  4.  Add the Lysol wipes to your cart.  You can add anything else you need to your cart and still get the cash back for the Lysol wipes.  Check out as usual.  Choose store pick up to avoid paying shipping costs.
  5.  Once transaction is verified, you will receive $5.81 cash back to your TopCashBack account within 14 days making the Lysol wipes, free!

For NEW TopCashBack members only.  Offers expires 8/12/17