According to the 2024 Acorns Money Matters Report™, one in four Americans fear homelessness amid rising living costs and global uncertainties. Gender, location, and income disparities shape financial outlooks, with lower-income individuals and urban residents feeling the strain most. Additionally, Gen Z and millennials are nearly three times more likely to fear their financial situation could lead to homelessness as compared to older respondents. This stark reality highlights the urgent need for comprehensive solutions to address the pressing issue of homelessness plaguing communities across the nation. Camillus House recognizes that combatting homelessness goes beyond simply providing temporary shelter or meals. Homelessness is often intertwined with complex factors such as poverty, mental health issues, substance abuse, lack of affordable housing, and systemic inequalities which create a cycle that is difficult to break without a holistic approach. By offering a range of services including healthcare, addiction treatment, job training, and permanent supportive housing, Camillus House aims to address the root causes of homelessness and provide individuals with the support they need to rebuild their lives. Research more statistics below. #miami #southflorida #camilluscares #community #givingback #homelessness #makingadifference #nonprofit #doinggood #miaminonprofit
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Accounting, finance, and tax professional with over 15 years of expertise in financial operations and compliance across advertising, marketing, healthcare, engineering, retail, wholesale, automobile industry.
"Community Support Needed: Helping in Financial Crisis" Dear Friends and Community Members, The current circumstances have made life even more challenging. Managing on a limited budget has become increasingly difficult, and even basic needs are not being met. The ongoing economic and financial crisis is hitting lower-class families the hardest. There are people in our society facing tough financial periods who need our support. Monthly repayments of loans leave them with very little to manage for the rest of the month, making it hard to fulfill the basic needs of their families. Many are forced to take more loans just to meet these basic needs, leading to a cycle of debt and stress. This situation is often accompanied by deep anxiety and depression as they struggle to make ends meet. Despite their best efforts, including working long hours and taking on extra jobs, the high inflation and limited resources make it nearly impossible to achieve financial stability. It is crucial for all of us to stand up and come forward to help those in need. We should start by sharing food with our neighbors, checking if someone is struggling with school fees, or if they can't afford to visit the doctor or buy medicine. Many are unable to pay utility bills or buy groceries—these are basic needs we must address as a society. If we don't, the crime rate and suicide ratio will continue to rise. While many hospitals and NGOs are working tirelessly to provide for the needy, distributing rations and other essential services, there are still people in our society who are not receiving proper help. We must be aware of those around us and extend a helping hand to them directly. Helping those in need is a noble deed, and Allah promises great rewards for those who assist others in their times of struggle. Your kindness and generosity will not go unnoticed, and you will be blessed abundantly. Let us come together and offer our support to those who are struggling. Every little bit helps, and by standing together, we can make a significant difference in the lives of our fellow community members. #SaifullahKhan
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Financial Strain or Lifestyle downgrade ? A Victorian mother's claim that $140,000 is insufficient for her family of three has sparked debate. Finance commentator Sarah Wells provides insight, noting the importance of examining where your money goes, and clarity between needs and lifestyle. Many families experienced lifestyle upgrades during the pandemic due to historically low interest rates and record stimulus packages. Now, with rising living costs, the disparity in perceived financial sufficiency is more pronounced than ever before. Wells suggests that families need to reevaluate their current definition of needs and wants. Basic needs include housing, utilities, food, medical care, minimal clothing, and transportation. Anything beyond these can be considered a want in varying priorities. For those struggling, she recommends evaluating surplus assets, considering downsizing, and those in real hardship seeking assistance from non-profits to ensure their needs are supported. Ultimately, while some families manage on much less, others with higher incomes still feel financial pressure due to current lifestyle expectations. #FinancialAdvice #CostOfLiving #Budgeting #LifestyleChanges #EconomicStrain
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Money does not change lives. People do. We have spent billions of dollars on programs to help people and communities with little result over the past century. So much of what we have invested in misses the small, counterintuitive realities about how lives are changed. Life is about relationships. So much of what we call poverty around the world is what happens when people are forced to leave their homes - the places where they are surrounded by family and friends - and to come to a new place where they have no one. No one does well alone. Sadly, many of us who are tasked with fighting "poverty" live within our own relational deserts - over focusing on work, under focusing on loving the people God has so carefully put around us. As a result of chasing money, money is all that we have to give. To a man with a hammer, everything is a nail. Life is about relationships. Businesses that focus on investing in employees and caring for customers win. They do even better when they turn and engage their communities. The same is true for churches and for families. When we build our lives around loving and caring for others, we win. When we do not, we become poor. May God give each of us today the courage and will to connect relationally with the people in our homes, who live across the street from us, who work across the office from us and may we see the sweet fruit of it in the days to follow. #loveyourcity #loveyourneighbor
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I'm not sure how often Albertans think about Income Support. First, there are many stereotypes about the 'type of people' on Income Support. They are often viewed as lazy or undeserving. My experience tells me that's not true. People on Income Support are a cross-section of marginalized communities. People with disabilities, Indigenous people, immigrants/refugees, and other marginalized communities are the norm. There are also those who have been unlucky or seen as disposable for some other reason by the rest of us. Most people on Income Support live on monthly amounts that are described as 'deep poverty'. An amount well under the poverty line. A level of income where people need to make choices between basic needs like food and housing. It is rarely possible to meet with Income Support on a monthly basis. Now, I know we often want to turn away and tell ourselves that times are tough for many right now. Inflation has hit everyone. But imagine it is you. You are struggling to make ends meet for yourself and perhaps your children. Food banks are stretched to the limit because of higher demand and have less support to provide. If you are lucky enough to have housing, you worry when the next rent increase is going to happen and squeeze you onto the streets. But you are disposable—few care about your plight. Many blame you for some perceived moral failing that caused your poverty. They do so because it allows them to sleep more comfortably at night, believing they are hard-working and deserving and your plight is a result of poor choices or poor morals. I could go on for a very long time about the various ways you will be dehumanized and blamed for structural problems beyond your control. However, I will stop there for now. It is enough context. The context for what? The Auditor General suggests that Income Support is a program that lacks oversight and monitoring of whether it meets the needs of Albertans. It doesn't. It is a program where cruelty is a feature, not a bug. Yet most people will have forgotten about this issue by lunch today, much as they did in 2019 when the Auditor General last said the same things. https://lnkd.in/gv58zptY
Income assistance program for vulnerable Albertans lacks oversight, auditor general finds | CBC News
cbc.ca
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In today’s cost of living crisis the role of a Financial Counsellor has become as imperative as ever. Providing advice, advocacy, and support for those in financial hardship, our Financial Counsellors are seeing a huge increase in those in higher incomes brackets reaching out for help. In fact, we’ve had a 60% jump in clients with an annual household income exceeding $100k needing our services in the last two years. In this Business News article our General Manager Helena Jakupovic discusses how the average Western Australian is doing it tough right now and the help that is available to them. The article also highlights how unexpected life events can deepen financial hardship especially in today’s economic climate. Ronald McDonald House Charities WA reports financial wellbeing being a key concern for their families and how offering accommodation and food support to them greatly helps lessen the burden. #financialhardship #costofliving #financialcounselling #housingcrisis #ronaldmcdonaldhousecharitieswa
Financial counsellors needed in cost-of-living crisis
businessnews.com.au
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Services across Citizens Advice play a crucial role, in not only supporting local communities, but also in supporting local authorities to alleviate some of their pressures - such as homelessness, council tax arrears. In some areas, other services can provide a similar provision - but the importance of impartiality & independent advice is crucial to ensure non-biased advice….something which local authorities and housing associations are unable to provide themselves.
Beyond belief that Citizens Advice not getting funded in some areas. If the councils think things are bad now, remove this critical prevention barrier and see homelessness go up, rent arrears go up, council tax arrears go up as well as all the associated mental health issues. When will we get some joined up thinking on this. Prevention is cheaper than crisis. 🤯 https://lnkd.in/eCmRVUtW
When a Citizens Advice has to close despite demand being ‘off the scale’
theguardian.com
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It's no secret: money is stressful. In fact, according to CreditWise's 2020 study, finances are the number one cause of stress in the United States. People ranked finances as significantly more stressful than politics, work, and family. Stress causes a myriad of issues like headaches, anxiety, and a greater risk of illnesses ranging from digestive to heart issues. As we can see, achieving financial stability is inseparably linked with overall well-being. So how can families reach financial stability? How can communities support struggling families? Helping families become financially stable is what RaiseUp Families is all about—so we wrote this blog to answer these questions. Let’s take a closer look! https://buff.ly/3QzrVaz #RaiseUpFamilies #houston #HoustonTexas #Houstonnonprofit #houstonfamilies #volunteerhouston #nonprofit #volunteer #financialassistance
Achieving Financial Stability: A Guide for Families and Communities - RaiseUp Families
https://raiseupfamilies.org
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This week we’re taking part in MoneyHelper’s ‘Talk Money Week’, encouraging our audience to #DoOneThing to improve their financial wellbeing. The initiative got us thinking about the biggest financial commitments we go through in our lifetimes. Having children is certainly at the top of that list. Despite this, it’s unlikely that many people can quantify the responsibility of raising a child. Being more informed about the cost enables proper budgeting and informed planning – and as a result, peace of mind. According to the report by the Child Poverty Action Group UK, the minimum cost of raising a child up to the age of 18 is £150,000 for a couple and £200,000 for single parents.* To help customers calculate the cost of for themselves, we’ll unpack what this entails throughout the week. *Though expenses are the same overall for children of single parents, they are distributed between fewer people, meaning the financial cost of the child itself is significantly higher. #TalkMoney
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Parenting Coach & Nurse Educator | Helping Busy Professionals Achieve Work-Life Balance and Excel in Parenting | Click on the BIO LINK and let's talk.
Financial Hardship In Homes : A Growing Concern. Are you facing right now ? * Insufficient Income ? * No job or loss of job? * Limited Savings? * Debts and loan repayments? * High Cost of living ? *Or are you under financial burden due to : - unexpected emergency - bad lifestyle choices -- gambling or living beyond your means ? Know that : Financial Strain, can lead to : *Reduced quality of life *Increased Stress and tension amongst family members leading to --divorce and domestic violence. *Sleepless nights and low energy level. * Self Esteem But wait a minute -- there is hope ! Possible Solutions: 1) First access the financial Situation: -identify your Income and Expenses 2) Increase Income : If you don't have a job or business - find one *(2 Thess 3v10 says If any would not work, neither should he/ she eat). -Find side hustles or multiple streams of Income. - learn high Income skills. -ask for raise at work. -pursue additional education/ training and self development. 3) Manage Essential Expenses: *Budget and financial planning is very vital. - create a budget and track your spending. - adopt smart spending and cost cutting -send your children to affordable schools and use public health care options. 4)Saving and Investments: * set financial goals and set plans to achieve them. - save for children education , buying of lands and building your own house. - plan for retirement - save emergency funds for the unexpected. 5)Debt Management: - avoid credit buying . - Have open financial discussion and financial transparency within your family to reduce falling victim to fraudsters. 6)Teach your Children financial literacy and responsibility to help them in future challenges. 7)Seek for Support/ and Resources: *have support networks ( family, friends, church etc) to lean on in times of challenges eg 1) My church ( Family Worship Centre) has a policy - no member goes to sleep hungry. We also have OGS( Operation Good Samaritan) to make food ,clothing etc available for members in need. *Deut 15v11 noted that the poor shall always be in the land and expects us to help them -- but I beg you --- don't allow yourself to be that poor fellow. eg 2)My late father belonged to a Cooperative Society that helped him to own houses as a teacher . 8) Lastly but not the least , pray to God to give you wisdom and abundance in all things. *Luke 12 v 24 to 31says Seek God first , and He will provide all you need even as He provides for the birds of the air. Remember, financial hardship is not a sign of failure ,start building a brighter financial future for your family today. PS : Share how you are managing financial strain currently in the comment section. My name is Ebele Obijiofor Got Value, Connect with me or push the follow button for more inspiring posts. #Parenting Coach for Busy Parents. #Harmonious Family Life/ Unity Raising Godly Children #Public Speaking.
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I am awake, I am alive, and this morning I am thinking of … privilege. I live in a beautiful home now, but I have done my time in homes without running water, in low-rent housing, in shelters for abused women, on friend’s couches, and the like. As a result, when I plan my seminars or write my words, I think of those who do not have the luxuries I take for granted now. I choose universal concepts and themes over ones that only make sense in condos and subdivisions, ensuring I do not marginalize the challenged even more while trying to help. And it’s not hard. After all, I still remember hiding from landlords, borrowing money for food, and dodging the phone so as to avoid talking to bill collectors. I think of those times when I share my joy. I am not bragging in those moments. Rather I am attempting to illustrate to those at risk of losing hope that life after poverty IS possible. I pray that my words highlight that poverty is only a measure of your financial worth and not your value as a human being. And at the same time, I work really hard to make sure the affluent people I interact with understand that too. After all, I may have more money now. I am not more valuable. As I work, I reflect on my own days of fear – when confrontation was to be avoided at all costs, when speaking up for myself was something I was just not capable of doing. And how others who knew spoke for me when I couldn’t and how I now must do same. So today my friend, especially if you are hurting, grieving, struggling, or wondering if this is EVER going to get easier, know I am thinking of you and praying really hard for you. I believe in you. Please know, the storm WILL end. And for those racialized, marginalized, and Indigenous friends and followers who are reading these words, know that I am thinking of you because today, like most days, it is my time to speak, not for me but until you can, just like all those before me who spoke eloquently and thoughtfully, until I found my way to the microphone. Like this blog? There’s over 400 entries just like this waiting in the membership for you and so much more! Check it out at: https://sandiboucher.com/ #yougotthis #truth #debwewin #ibelieveinyou #icreatesafespace #indigenouscanada #reconciliation #canada #change #selfdetermination #healing #strength #tradition #teachings #resilience #resistance #growth #success #empowerment #confidence #selfworth #selfesteem #throughindigenouseyes #indigenousperspective
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