This year marks an unfortunate change from preceding years for some people. The fraction of the population that had money to spare most likely still does have money, albeit perhaps less. The middle class may have to cut back on some habits or make lifestyle changes to adjust to the economy. And then there were people who were struggling to just "get by" that are now discovering they can no longer go the distance from payday to payday. Or worse, perhaps there is no payday at all. Unfortunately many families suffer in silence, with the bills piling up and thinking there is no where to turn. There is help out there, if you are willing to accept that you need help and seek it out. Pride and embarrassment often prevent people from accepting the help they desperately need. If you are experiencing a financial hardship, don't suffer more than necessary, explore the following options available for assistance in your area.

Churches/Local Charities: Although some people cringe at the word charity, specifically when they need help from one, these organizations are there to help people in times of need. Both of these organizations found locally in your communities often sponsor food and clothing drives where they collect items to distribute to members of the community as needed. Again, do not feel shame in accepting their help. By contacting your local church or other group, you are taking the first step toward getting back on track.

Women, Infants and Children: WIC is a national program that provides Federal grants to States for supplemental foods, health care services, and nutrition education for women who are pregnant, breastfeeding, or non breast feeding women with children under the age of five. This program provides assistance in purchasing milk, formula, cereal, eggs, peanut butter, juice, cheese, fruits and vegetables to help in providing nutritional foods for your children.

Heating Energy Assistance Program (LIHEAP or HEAP): This is a program that varies by state to assistance qualifying families with their heating expenses throughout the cold months. Households must fill out an application providing the names, ages, and incomes of all individuals residing in the home. If you fall within the income requirements you may qualify for a monthly or lump sum amount to help keep your family warm this winter. Unless you are applying for CRISIS assistance where you are at immediate risk to lose your heat, you should apply for these programs as soon as the enrollment period allows as it may take several weeks for your application to be processed.

Local Assistance Program: Another program that may vary by your location, local assistance programs, sometimes run by county offer cash and food assistance to low income families. If you do not have or lost medical coverage for yourself or your children, you may also qualify for medical assistance to cover unexpected or even routine visits to the doctor.

Although it is a difficult step for individual and families that have been self reliant in the past, it is a step worth taking. Sometimes the only way to get back on track after a financial set back is to accept the helping hand offered to you. Thankfully there are plenty of programs and organizations that are available to assist you in getting back on your feet.