• Low interest loans. Ways to Work is an organization that provides low to moderate income individuals with low interest auto loans. They are intended to help them buy used cars, or pay for car repairs. Learn more.

Credit Card Bills and Credit Card Debt

• Assistance with debt from card issuers. Credit card companies are more will to settle debts proactively with customers and they are offering additional debt assistance programs. In addition, take advantage of the recent federal government bailout of banks which has resulted in credit card issuers becoming more flexible in reducing debt. Read more.
   
• Consolidate debt to save on interest expense. The 6 best ways to consolidate your medical and credit card debt from Bankrate. Continue.
   
• Credit card debt. Significantly lower your interest rate, eliminate debt, save on interest, and More.
   
• Credit card bills using low rate cards. Consolidate and save on interest expense with a low or zero percent credit card. More.
   
• Debt collectors. Get help from debt collectors and collection calls. More. Also, learn how suing a debt collector can be very successful in ending illegal collection calls.
   
• Hardship programs are offered by credit card companies and banks that can help you reduce your interest rates and get out of debt.
   
• National bank programs. Many national banks offer countless programs to help their customers. Find assistance programs from lenders such as Bank of America, Wells Fargo, and JP Morgan Chase.
   
• Payday loan alternative. Many low income families need access to short term cash to pay bills and emergency expenses. Get information on ways to get emergency short term cash, including alternatives to payday loans.
   
• Title loan. Another short term financing option is to take out a loan using your car as collateral. The product is higher risk, but can be used to get quick access to cash and is known as a title loan. Learn more.

 

 

Free Money and Save Money

• Best money saving tips from Real Simple, Bankrate, and Consumer Reports and also ways to set spending priorities. More ways to save money on bills.
   
• Christmas Assistance Programs can provide holiday meals, free food, gifts, programs such as Angel Tree, and other help around Christmas and the holidays.
   
• Grants for African Americans. President Obama’s latest budget is creating new assistance and grant programs that focus on African Americans. Click here to learn more.
   
• Make Free Money. From rebates, online sites, and more. Continue.
   
• Negotiate to save on bills. You can negotiate many bills and save hundreds of dollars. Negotiate medical bills and others. More.
   
• Rebates, coupons, and more. Take advantage of these. As this is the closest thing to “free money”. More.

Housing (Mortgage, Rent, Taxes, Foreclosures, and Home Repairs)

• Home repairs and other do it yourself savings. More.
   
• In addition to the do it yourself programs, many charities and local agencies administer other home repair programs and offer low interest loans. Learn more.
   
• Foreclosures. It is very important for homeowners to both know the foreclosure process, as well as understand what options and solutions they may have. Click here to learn more.
   
• Housing assistance. Most cities and counties across the nation have charities and programs that specialize in offering rental help and eviction prevention services. Find a listing of rent programs by city. Read more.
   
• State housing authorities - Every state has a public or government run housing authority. They provide foreclosure counseling, rent help, repairs, loans, and other aid. More on housing authorities.
   
• Mortgage. The government and others are helping over 7 million homeowners pay their mortgages and avoid foreclosure. More.
   
• Property taxes. Lower your property tax assessment and save on your property taxes. More.
   
• Rent assistance. How to get help with paying your rent and security deposits. More.
   
• Section 8 Housing assistance. This is a federal government funded program that helps low income and others with paying rent. Learn more on this program.

Insurance (Home, Auto)

• Health insurance plans and bills. Find the lowest priced health insurance plans and save money on medical care. More.
   
• Homeowners insurance. Save over 20% insuring your property. More

Medical Bills and Debt

• Save 65% on COBRA health insurance plans if you lose your job or health insurance. More.
   
• Dental assistance can be obtained from clinics and centers in your state. Many offer a sliding fee scale, which means the dental care is offered at no cost or for free. More on clinics for dental care.
   
• Free community clinics are located in every state, and they provide either free or low cost medical and dental care to people of all backgrounds, regardless of their ability to pay the bills. More on community clinics.
   
• Hospitals provide assistance with paying medical bills, offer charity programs, and provide free health care. Click here.
   
• Loans from credit unions. Instead of choosing a payday loan, look into options like Stretch Pay loans.
   
• Negotiate your hospital bills to receive lower rates and to save on health care expenses.
   
• Medical bills. If you negotiate, studies show 90% success rate in reducing your bills for treatment and find other ways to save. More.
   
• Prescription drugs. Save up to 80% on what you pay for your medications. Continue
   
• Prescription drug medications. Find ways to get free prescription drug medications.

Shopping (Groceries, Online, and Everyday Shopping)

• Grocery bills. Save hundreds of dollars on your food and grocery bills over the course of a year. More.
   
• Online shopping deals, rebates and coupon codes. Get paid for your everyday shopping, which is really free money. More.
   
• Reduced priced groceries. A non-profit organization known as Angel Food Ministry provides individuals of all income access to low cost food and groceries. Read more on cheap groceries and low cost food.

Taxes (Property and Income)

• Property taxes. Potentially save hundreds of dollars on your property taxes and challenge your assessment. More.
   
• Income taxes. File your income taxes for free and other ways to get help with taxes. More.

Utility, Heating Bills, and Cable Bills

• Cable TV Bill. How to save on your cable bills with your current provider, and find the best deals. Continue.
• Most utility and energy companies distribute grants, weatherization services, and other aid to low income, elderly, and disabled customers. Find details on energy assistance programs in your city.
   
• Heating bills. Lower your usage by 10-40%. Get free help with your heating bills from utility company’s or the government. More.
   
• Phone bill assistance program, including cell phone. Get free or heavily discounted phone service.
  Continue.
   
• Top energy saving tips from consumer reports. More.
   
• Utility and electric bills. Get help from government and utility companies with paying utility bills. More.
   
• Water bills. Find help with your water bills. More.

 

 

Other

• Bankruptcy. Learn when to file bankruptcy and about the bankruptcy process. More.
   
• Child care expenses. Save on and receive child care assistance. More.
   
• Family Assistance Program. Continue.
   
• Government and private grants have thousands of dollars available to help pay bills, provide education, and more. Continue.
   
• Find low income assistance programs that are offered by the government and others.
   
• Help from debt collectors. Get debt collectors to stop harassing you and end their calls. More.
   
• Legal Assistance and Counseling. There are numerous non-profit organizations across the country that provide free legal advice and assistance. Learn more.
   
• Scholarships and Grants. There are numerous scholarship and grant programs that can help someone get their college education They are free to apply to. Find more on scholarships.
   
• Student loans. Find help with paying loans and how to consolidate student loans. More.
   
• Trade Adjustment Assistance Program. Receive additional unemployment and job training. Continue.
   
• Vet and pet bills. More.
   
• YMCA financial assistance helps with summer camp and child expenses. Read more.

Also, find the top money saving tips from various other sources. Save hundreds of dollars per month.