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Transitional Housing

Transitional Housing. 1.

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Transitional Housing

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  1. Transitional Housing 1 Use limitations: These materials may be used only for nonprofit, noncommercial educational purposes. These materials may not be used in connection with any sale, advertisement, endorsement, or promotion of any service, product, person, or business and may not be sold or offered for sale.

  2. Welcome Introductions 2

  3. Objectives • Dealing with an emergency housing situation • Finding ways to generate income • Controlling expenses and cutting debt • Starting a savings habit 3

  4. If Your Housing Is At Risk Now • Talk to your landlord ASAP • Give a brief reason for the temporary problem • Is there work you can do for the landlord? • Avoid arguments • Put your plan to catch up on back rent (if any) in writing 4

  5. Finding Emergency Help • Get a loan from friends • Get aid from religious, veterans’, or nonprofit groups • Get an advance on wages • SNAP • Use emergency food stamps 5

  6. Ways to Earn Extra Money • Part-time jobs • Volunteering at a nonprofit • Gain experience • Make job connections • Sell your stuff • Garage sale 6

  7. Needs and Wants • What is the difference between “needs” and “wants”? • We all have limited finances • We all need to make decisions on what to buy now or wait to buy later and what we don’t need at all 7

  8. Controlling Expenses • Utility bills • Transportation costs • Food costs • Plug spending leaks 8

  9. Tracking Your Money Flow • Create a Spending Plan • Identify your income • List your expenses • Compare income and expenses 9

  10. Dealing with Debt • Top 10 signs of too much debt • Nine quick ways to start getting out of debt • Avoid predatory lenders • Pawnshops • Rent-to-own • Tax refund–anticipation loans • Check-cashing stores and payday loans 10

  11. Starting a Savings Habit • Start Saving Now • Using bank or credit union accounts • Paying yourself first • Saving for emergencies • Goal: Set aside enough to cover three months of basic living expenses 11

  12. Review • Dealing with an emergency housing situation • Finding ways to generate income • Controlling expenses and cutting debt • Starting a savings habit 12

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