Utility help....is No Help at All...

Updated on May 15, 2011
G.M. asks from Peoria, AZ
4 answers

My husband lost his job back in Jan. We've been struggling ever since. We have looked into a program for Utility assistance, but they won't help until we're about to be 'disconnected'. We called APS and they said we can get on a discounted program of 40% discount after the next bill. We get our next bill and it was the same amount as last month. Called them to ask why we weren't on a discounted program...They told us that we had to use less than 400 wtts to get that 40% discount. We have a family of four and we use about 1200 wtts. We have even cut down our usage on electricity, but still no difference. Unemployment doesn't give nothing to live on. It doesn't even cover the utilities from what we get. I know there are plenty of people in my situation or even worse off. How do you all handle it? Is there something else we could try in order to get some help until we can get a job? Every day, we have been applying to jobs. We have resumes out on Jobbing.com, Monster.com, Careerbuilders.com....and we've sent resumes to companies directly. It's easy to want to throw our hands up and just give up....but we will not. If there are any suggestions, we welcome them. We just don't know what else to do. Thanks so much!

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So What Happened?

Thanks so much for everyone's answer. It helps a lot. :-D There is a lot of great advice here. The past two years, we have sold a lot of furniture, my guitars that I cherished, we only have one vehicle and we need that, so can't sell the only vehicle we have, we are on food stamps and unemployment, but if I go back to work, it will be at rock bottom and we will have to report it, and then we will get less on food stamps, and unemployment and leave us in more of a financial hardship. I've actually put in 10 applications along with resumes...at target, walmart, kohls, etc....nothing. I'm not giving up. But I have to look at this from all points here so that we don't cause our family to go into a bigger hole. I have sold a lot of my granny's stuff that I inherited....and would have love to have kept. But we were in dire need of money. We've sold computer stuff too. We are left with just the basics here now. I'm not going to give up. My husband and I are going to do anything we can to not buckle under. I've even tried offering to babysit, but no bites on that either. I feel for anyone in our positon or worse off. We keep our faith and pray each day for us and other families in our situation. :-D

More Answers

L.B.

answers from Biloxi on

Look into:
Local Churches
St. Vincent De Paul Society - http://www.svdpusa.org/
Red Cross
Salvation Army
Also, they can all refer you to other agencies that may be able to help - ask for referrals!!

For employment - look into Day Laborers; Employment agencies that are free to the employee, and offer temporary positions. Check with your states WIN job center.

I have been unemployed for 10 months - living on child support and Unemployment benefits. I know how tough it is - but you will get through this.

I have cut costs by limited my mileage, using coupons and buying groceries through http://www.angelfoodministries.com, going to food pantries, shopping at thrift stores, setting the thermostat higher, lowering my water heater temperature. Not significant savings individually (except the groceries - cut that in half) but overall significant enough.

Apply for food stamps, any other assistance you are eligible for right now - it is a hand up.

Don't give up - keep looking for ways to cut back on expenses - trust me, you will find them.

It will get better.

God Bless

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G.B.

answers from Oklahoma City on

When my husband was out of work before getting SSDI we lived without natural gas. We had a microwave, a crock pot, grills, electric griddles, etc...it is very do-able. I also bought an electric dryer when I got a new one several years ago. We do have an electric water heater, that makes the difference. If you have a gas water heater you can't do without gas. Your kids could be taken away if you get reported for not having hot water.

You are going to have to sell things, have a garage sale, let cars or other extra's go, sell off some jewelry, if you have any other collectibles like guns or comic books. You things could save your family this hardship.

There is also the need for an income. I understand if your husband needs to keep the unemployment coming in as a stable sort of income but you can work. You can work at WalMart or some other place just to get some extra money coming in. You need to look down the street. Keep looking for the better paying jobs but you need to get a job and get that extra income coming in. He can watch the kids, free child care.

It won't be for long hopefully. I work 3 part time jobs to help my family. I work for the owners of the dance studio that my kids go to, I receive no money, it is trade out for the kids classes. If there is extra left over I have to take it out in trade in their clothing store. I iron for people, I ran an add in the local newspaper for a very short time and got several customers. I claim the income on our taxes every year. It gives us more earned income credit since my husbands income is non-earned income. I also clean houses, for my FIL I get a gasoline card to fill my car a couple of times a month. I have also sewn clothes, did laundry for others, helped them garden, ran errands for the elderly, etc...there is money out there but you have to be in the mind frame to go find it and make it.

I know haw hard this is for you. My husband made over $70,000 a year 20 year ago and got laid off one day. No warning. We were paying over $700 a month for car payments, over $1100 every 6 months for full coverage insurance, about $500 a month for wonderful health insurance through his company, lived in a nice home, had lots of fun eating out and spending time traveling. It was wonderful. $70,000 went a LOT further back then. We were working on being totally debt free, had savings, tithed fully, had a retirement fund, life insurance, everything we wanted.

Suddenly our cars were being repossessed, our house was 3 months behind (we ended up walking away with nothing due to repossession), credit companies were calling every day, we couldn't eat out, and my daughter had to leave private school. It was an awakening for me. He got another job pretty quickly and he was there about a year and they downsized him out of a job. It was not as shocking to me, even if it was the Monday before Christmas. We had changed a lot of our living habits and didn't live as extravagantly. We didn't get unemployment at this job ending.

You are going to have to look at your life, your possessions, your ideals...and decide what is more important. Having that unemployment is a good thing. It needs to be protected. You need to get an outside job. My husband could loose his Medicare and his other benefits if he could work. I am the one that has to go find the extra income.

It falls on you to find that short term fast income. You should keep looking for the higher income jobs but right now you need to keep your family first. Calling all the places everyone is telling you about is a short term fix. They may be able to help you once every 6 months or even once every year. Every one of these agencies is going to look at your monthly bills, how much your house is costing you, car payments, etc...if those things are what they are helping you pay.

Other things that are cash. Cash in some life insurance, sell off your retirement funds, it stinks but it is money to keep your family afloat. If someone has a serious health issue then there is health insurance through your state to help. Children get health care cards pretty easily if the income is low enough. You do need to go to a local state agency to apply for assistance anyway. You may not qualify but what is lost? Nothing.

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A.D.

answers from Phoenix on

Dear mom, go to your church or st. Vincent the Paul, they help. Put ads in craigslist or church for babysitting or house cleaning. Your husband can try landscaping, handy man work, etc. Good luck to you!!

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M.P.

answers from Lafayette on

i'm not sure how your state is set up, but we have townships within our county. we can apply to the township trustee for assistance. they won't help you get established, but they can help you in instances where you loose your job or something like that. i would look into that.

also salvation army has utility assistance too. i would call them and ask about it.
good luck!

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