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Families in Crisis - Financial AssistanceShop second-hand -- and other tips: Don't be afraid or embarrassed to try second-hand stores for clothes and other goods. Depending on where you live, you should be able to access at least one or two stores that offer good-quality items in fairly good shape, for just pennies. It's an excellent way to dress small ones who grow out of their clothes so quickly, and who don't care where their clothes come from. Just make sure you know what the return policies are before you buy, and choose carefully, thoroughly washing all goods and products before using them. You might want to avoid buying certain products second-hand, such as intimate apparel and shoes. Ask for coupons from manufacturers and baby-food companies. Ask manufacturers if they will replace missing parts or lost pieces for a small fee. Watch for sales, and if an item goes on sale right after you purchase it, take your receipt back to the store and see if they will refund you the difference. Learn about personal finance: Even if you don't have the funds to invest in stocks, bonds or mutual funds, consider buying a beginner book on personal finance. A good book will guide you through topics such as credit accounts, tax deductions, mortgages, saving for retirement and college, retirement accounts, investing, and budget planning. Also try the Federal Consumer Information Center (go to the Money link) for information. See the Safer Child Personal Finance page for more. Check out "66 Simple Ways to Save Money," a booklet of tips from the Federal Consumer Information Center and the Consumer Literacy Consortium..
If your financial situation isn't critical, you might be able to ease yourself into the workforce by volunteering. Many volunteers are able to find paid work after an organization is able to assess their skills.
If you are feeling pressured or worried about a particular agent or agency, listen to your instincts. Find out if a particular agency belongs to the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies, which set standards for their members. You also can check out the agency at the Better Business Bureau.
Financial Assistance and Child Support:
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