HousingCrisis

First thing you need to do is write down all expenses including rent, utilities, phone and wifi for the month. Then write down needs and debt. Then write down purchases you'd like to make or investments you want to start making.  Once you do that write down how much you make in a month. Yes, the amounts' totals will be very out of reach so don't sweat it, because we aren't doing that. You need to now worry about bills first, needs second, then debt. If you don't make enough for debts don't go into debt to pay debt, that's a neverending cycle. Just save the leftover money until you can pay one debt and remember you can call the debt collector and try to settle for less. This takes some bravery, but haggle that debt down. Especially if it's been sitting for a long time. I need to practice what I preach about debt, but I have started saving, so there you go. When you are done paying debts down, it's time to enjoy life. Treat yourself and save up for a w...

If you have a bank account you can start doing a lot. I know a lot of homeless people are disabled so if you get a SSA check put it in a JP Morgan Chase account. It's got good security.  Next, get a revolut account. Put at least $50 in savings. It's a high yield savings account of 3.5% and it will go up a few dollars without extra deposits every month. However, budget to continue to add to this account. Soon you'll have money for a place. Then open a Betterment account and use the IRA account. Go for traditional IRA. Put at least $25 in it a month until you retire. It is also high yield and will accrue monthly. After that, get an Atlas card. It's a low balance credit card that will go up if you pay on time. The first month was $15 and I added $100. Now month two it is $138. It's worth it to add to your credit score.  Now, after those accounts are acquired: save, save, save. Get Credit Sesame and monitor your credit score. If you have to pay credit down, like me, you...

There are case managers at homeless shelters who can help you find housing at a meeting. There are other ways though and I'm here to cover them. First, the local library has a case manger for a few hours a day that helps with many things if you stay at the mission. She has helped people gather identification as well as find subsidized housing. Second, your insurance if you have medicare helps with food, housing, and needs. They have a courtesy call that I need to answer soon. But this is another way. You can go to Urban League or Public Housing Authority and get a list of services. PHA helps you get on section 8, now housing choice voucher, when they are open for enrollment. If you have a drug problem, there is family guidance center that will help you with a residential program. You have to be a drug user getting off the sauce, however. Whatever you choose, I hope this was helpful. Please subscribe.

This post contains affiliate links.  There are a few ways to handle the homeless period. If you have an address at a homeless shelter you can order thinx . They are freebleeder underwear. They are pretty absorbent if you get a good enough brand.  If you need to some shelters offer feminine products. They just kind of make you share the box. Mine just had party bags of an assortment of products. It's not impossible. If you have an income you can buy them, but it's more efficient to just buy the freebleeder underwear. If you don't get a hold of some black sweatpants from a free clothing pantry and freebleed in them. I have done it and gone through it.  Don't be ashamed that you have desperate times and always remember to give it to God and act on what you can. 

This post contains affiliate links. The first thing you need for urban survival is a bus pass. You can get almost anywhere on a bus. Locally I use Lyft and SMTD. Find your local bus system here . The sound thing you need is a big pack or a shopping cart. You can find that here and here . The pack or the shopping cart can help you carry groceries home or hold your clothes and essential items.  Locating your local homeless shelter or safe places to stay is your next task. United Way has several locations for Helping Hands shelters. There may be more on the HMIS system (Homeless Metric Internal System). I have been trained in it and the more dire your situation the more they bump you up for social services. If you are lucky enough to have a place...shop at the dollar store for food and only for a few days. It's a lot of trips, but if you are taking the bus it's essential to only carry as much as you can comfortably. You can stash your items in that pack/shopping cart.  If you a...

Welcome! If you are caught up in the housing crisis and homeless...use my guide to help yourself come up as much as you can. Please wait for the best content on the homeless epidemic in the US. Thank you! And remember if you pray and give it to God and act on what you can...your prayers will be answered.