I Have No Money and Need Help – Can I Get Help Today? From Where and How?

It is very difficult and an emergency if you find that your bank account is empty. Without money, people can’t survive in today’s world. In this situation, people start to panic. They can’t pay rental fees or utility bills, can’t even buy food or emergency medicine, and face several difficulties. But, wait. Some organizations, churches, and government agencies offer help to people who are in need.

I Have No Money and Need Help! When you have no cash in your hand and no savings in your bank account, you have to do something very fast. You may be homeless soon without money. There may be several reasons, like a sudden job loss, a sudden accident, or anything else.

Don’t worry! In this article, we will help you receive immediate financial assistance. We will also provide you with some resources that you can contact to get help. So, let’s start to explore.

What You Should Do When You Face a Financial Crisis?

When a financial crisis hits, it is difficult to stay calm. But to avoid some more emergencies, you have to become and handle the situation. So what can you do when you face a financial situation?

• Stay calm: First, we will advise you to stay quiet. We know it is tough to keep yourself from falling into a financial crisis. But it is necessary. Don’t panic. Think about how you can overcome this situation fast. There are emergency financial assistance programs available that help communities survive financial hardship. Contact them.
• Know your priorities: It is very important to know your priorities first. Because according to the priority, you have to spend money. You have to cut back on national sales expenses and spend on the essentials. This will help you save a little more.
• Ask for help: You have to ask for health from your relatives, friends, and family. If it’s not possible for you, then you can ask for financial help from churches. Local government agencies also have financial assistance programs for low-income families, unemployed people, and people whose income is almost zero.

✅Also read: I Need a Place to Stay I Have No Money and I’m Homeless

List of Programs that Can Help with Emergency Financial Assistance

Having no money is a difficult situation. People ask “I need money urgently please help me” and then you’re in the right place. But, there are some resources available that can save you from such an emergency by providing you with emergency financial assistance. Let’s discover the resources

Government Assistance Programs

• Community Action Agencies (CAAs): These agencies are federally funded associations dedicated to providing technical assistance, training, and other resources to local nonprofit organizations. You can receive financial assistance from such community agencies when you are suffering from financial hardship. Just contact your nearest CAA office.

• Benefits.gov: This is not a government resource. This is an online resource that provides immediate relief with financial help, shelter assistance, food, healthcare, medical and other services.

• The Low-Income Home Energy Assistance Program (LIHEAP): This is available to eligible low-income households to help cover heating and cooling costs, as well as bill payments, utility assistance emergencies in the event of an energy crisis, weatherization, and energy-related domestic repairs. Visit the website to learn more about qualifications, getting the application, and who you should speak to next.

• Temporary Assistance for Needy Families (TANF): TANF is a government-supported program that helps people with low income, unemployed, disabled, and elderly people. If you need financial assistance and support then this program may help you and save you. You have to qualify for the assistance.

“State and local governments, with financial support from the federal government, should offer a program to educate and train foster children for employment and provide them with financial assistance, as needed, until they reach age 21.” – Charles Bass

✅Also read: I Need Help with Food Today

Nonprofit Organization Services

• 211 Service: Millions of people in the United States face food, housing, and financial insecurity each year. Whether you need help paying one or more bills or are looking for information to help someone else, you are not alone. When resources are limited or you may not qualify for services, you can call 211 again and ask about other ideas or options. For more service visit – https://www.211.org/get-help/i-need-help-paying-my-bills

• Volunteers of America: Voa (https://www.voa.org/) helps homeless people with temporary housing shelters as they know that a home is more than just a shelter. They also help low-income families and needy families with money and housing. The nonprofit organization houses more than 25,000 seniors, veterans, families, and others in need in various parts of the country each year.

• Modest Needs: It is a nonprofit charitable organization that can provide emergency help to low-income families who are at risk of being in poverty or homeless soon and for whom no other source of immediate help is available. is available. Learn more: https://www.modestneeds.org/

“I have had anxiety since all of this started, I was barely making it before, but I was ok. I feel so much better now knowing that I am receiving this help. I knew if I could just get a little help, I could stay caught up.” – United Way of the CSRA 211 Client

Crowdfunding Websites

If you need help immediately and can’t get any immediate help from the above resources, then there is another resource that they can help you with, which is a crowdfunding website. It is a very easy process to ask for help through the Internet, and it is effective too, as you will get help immediately.

• GoFundMe: The first crowdfunding website we are talking about is GoFundMe. This one allows almost everyone to fundraise for any emergency. It will explain your story and goal, and then you will share it with friends, families, and other people for donations. It is a safe and effective way to ask for financial help.

• FundRazr: The next crowdfunding website is called FundRazr, which is an online fundraising platform. This one is also fast and effective in the case of fundraising. Through this website, one can connect with the community to raise money online. 

• Fundly: Fundly is similar to the previous sites. It is also an online website that provides a quick and easy way to raise money. Start telling your story to connect with donors while still being able to manage your campaign from anywhere using your phone or computer.

How the Government Will Help Me If I Need Financial Help Immediately?

The government has several assistance programs to help people who are in need. The government has an emergency cash assistance program that may help you financially when you are suffering from a financial crisis. 

“According to a recent study by Ramsey Solutions, 34% of respondents indicated that they were facing financial difficulties or were actively in crisis. This is a huge percentage of people (more than a third of all respondents) who do not feel good about their financial situation” -. www.fool.com (Christy Bieber a full-time personal finance and legal writer)

The government may help you in these 5 ways if you need financial help immediately:

✔️Utility bills and groceries: The government helps low-income families and people who are suffering from financial hardship with utility bills and groceries. The Low Income Home Energy Assistance Program covers the heating and cooling costs and helps people.

✔️Childcare help: The government helps people with childcare. Yes, childcare costs are huge, and that is why the Child Care and Development Fund is designed to help low-income parents or single parents. 

✔️Down payment assistance for a home: If you need to buy a new home but unfortunately don’t have enough budget to pay a down payment, then the government can help you with that. There is down payment assistance designed by the government that will cover your loan and the upfront cost of purchasing a new home.

✔️Tax credits for health insurance: Individuals and families who purchase health coverage through the government’s Health Insurance Marketplace can receive a credit on their insurance premiums. The premium tax credit can be paid directly to your insurer, thereby reducing your monthly payments.

✔️College grants: The U.S. Department of Education (ED) offers a variety of federal grants to students attending four-year colleges or universities, community colleges, and vocational schools.

There are churches also in the US that help people with several assistance. Churches cover rent, utility bills, transportation, gas vouchers, motel vouchers, financial help, etc. So for any kind of assistance you need visit churchesthathelpyou.com

Financial Help for Low Income Families

Do you belong to a low-income family? Here are several financial programs available that can help you with money immediately. Above here I have described numerous programs that help with financial assistance. Yet, here for low-income families especially I am listing some programs that are Temporary Assistance for Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP), Medicaid, etc. Every program offers different kinds of help for different assistance types.

Local charities and nonprofits also provide financial aid, food pantries, and other essential services to support families in need.

Who Is Eligible to Receive Financial Assistance?

I have given a list of people who are eligible to receive financial assistance.

• Income Level: Most of the programs are means-tested and include SNAP, Medicaid, and housing subsidies among others.
• Employment Status: Some programs such as unemployment benefits and some forms of job training assistance are only available to those who are out of work or working limited hours, which is beyond their control.
• Family and Household Size: Assistance such as TANF or educational aid may take into account the number of dependents and overall household size to determine eligibility.
• Disability or Health Status: Programs like SSDI, SSI, and certain healthcare aids are available to individuals with disabilities or specific health conditions.
• Educational Status: Financial aid for education, including federal student aid, scholarships, and grants, often considers enrollment status, academic performance, and financial need.

How Can You Ask for Financial Help?

If you are a shy person, it may be difficult for you to ask for financial help. But we must say that it is very necessary to explain everything clearly to get financial help quickly. Here are some ways you can ask for financial help:

• Identify the Right Person or Organization: You have to find the right person or organization that helps people who are in need. So once you recognize the right person or organization, you can ask them for your needs.
• Be Clear About Your Needs: If you have no money and need help with money, then you have to be clear about it. Ask for the amount you need, explain your situation clearly, and provide detailed information so that the person or organization that will help you may understand your situation.
• Outline Your Plan: It is very important to show how you are planning to use the money that you will get as assistance. It is necessary to have a proper plan for how you intend to get back on your feet. This will help you get assistance fast.
• Offer a Repayment Plan (if applicable): If you are asking for money for a loan, then suggest a realistic payment plan. This will prove that you are serious about repairing the money, and it will also build trust.
• Express Gratitude: In any case, it is advisable to say ‘thank you’ for having been considered for the request. People should always appreciate each other and be grateful for the things that they do because it helps sustain the relationship.

Money Helper Contact Number

You can contact MoneyHelper by calling the following numbers:

✔️Money guidance: 0800 138 7777
✔️Pensions guidance: 0800 011 3797
✔️Welsh: 0800 138 0555
✔️Typetalk: 18001 0800 915 4622
✔️From overseas: +44 20 3553 2279
✔️To book a face-to-face appointment: 0800 138 1585
✔️From outside the UK to book a face-to-face appointment: +44 20 3733 3495
✔️For self-employed: 0345 602 7021

You can also contact MoneyHelper by using their webchat or online web form.

Who Can Help Me With Money Urgently Online?

If you urgently need money online, here are some options:

• Modest Needs offers small emergency grants to individuals in need of quick financial help.
• Platforms like GoFundMe allow you to share your story and seek assistance from others who may be able to contribute.
• Community groups on Facebook or Reddit often have local aid networks that can provide emergency support.
• Government programs like TANF may offer emergency assistance if you qualify.
• Cash advance apps like Earnin or Dave let you borrow small amounts if employed.

Conclusion

In conclusion, having no money is a critical situation. But, you have to keep calm to save yourself from this emergency. In this article, you will get a list of who can help you. just contact them explain your situation, meet eligibility criteria, and ask for financial help.

Below here we have compiled a few faqs that will resolve your queries. For more queries comment below.

FAQs