FINANCIAL RESOURCES

Helping People Heal from Life's Hurts.

Financial hardship is something no one should have to experience alone. We want to help.

We've created a list of resources and links to help if you're experiencing financial hardship. If you would like to speak with a staff member about your financial situation, please contact Families In Crisis (FIC).

STEPS TO TAKE IF YOU'RE CONCERNED ABOUT PAYING YOUR BILLS

BUDGET

If you haven't looked into a budget in a while, now's a great time to do so. Every Dollar is a great free app to use to get a budget together.
Get clarity from your income sources as to what the reality will look like over the coming weeks.
Cut spending to the bare necessities. If you can't pay all of your bills, Dave Ramsey recommends you spend your money on these four items and in this order:
- Food
- Utilities
- Shelter
- Transportation

1

DEFER PAYMENTS

If you're still not able to cover all of your expenses, identify payments that can be deferred:

Call creditors to explain your situation, and you can ask for temporary relief on your monthly payments. If you offer to still send some money, even if it's a smaller amount than your typical payment, they might be more willing to work with you.
If you have federal student loans, you can forbear (interest accrues) or defer (interest doesn't accrue on subsidized federal loans) your loan payments.
For student loans, use this questionnaire to understand what options are available to you.
If you're paying extra on debt(s) right now and have less than one to two months' worth of expenses in an emergency fund, it might not be a bad idea to temporarily stop extra payments and then restart them once things settle down.
Reach out to the FIC team using an email address listed above if you want to talk.

2

UNEMPLOYMENT INSURANCE

Go to: How to file an unemployment claim with the Texas Workforce Commission.
For people who don't qualify for traditional unemployment, like freelancers, here's another option.
Enroll for health insurance, if you can.
Use this week to get a game plan together and gather information, as there may be more changes coming.

3

FINANCIAL & FOOD ASSISTANCE RESOURCES

LOCAL ASSITANCE

RockPointe Church Families-In-Crisis (FIC) Request Help
Hill Country Community Ministries - Food Assistance
HCCM Thrift Store - Clothing Assistance
United Way Austin - Financial & job training assistance
Benefits.gov - Coronavirus Resources
School Age Student Meals - Student Meals
The Caring Place - Food, rent, utilities, transportation
Lonestar Circle of Care - Discounted Medical Services

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