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You can eliminate the above scenario if you gather some infromationa and put together a plan. Before you contact any vendors you need to resolve a number of issues. This article addresses these issues in the form of questions to be answered. Some of the questions will not be relevant to your situation.

Your first call should be to the place that is sending you disconnect notices. Call the electric company and make the latest payment arrangement that you can. Also ask if your state has a no cut-off policy in place for winter time. If you have a young child, are seriously ill, or live with an elderly family member, you could also qualify for a no cut-off policy.

The source of most unrealistic financial projections is the “top down” forecast. A top down forecast sounds something like this: “There are $1 billion of widgets purchased online every year. If we get just 2%, we’ll have a $20,000,000 business.” These forecasts rarely go on to say how the business will get to 2% market share.

Pastor: (reading) …though I may walk through the valley of the shadow of death, I will fear no evil, for thou art with me. They rod and thy staff, they comfort me…

Bunny Trail: Sometimes I talk to teenagers, and young girls are crying because they are pregnant at such a young age. “How could this happen??” they say. Well, uhm….a seed was planted, and now a little human is growing inside you.

Many people do not like change, but sometimes change is for the best. Private financing is a good source for rehab Credit star funding, real estate investing and other business opportunities that conventional lenders typically avoid. It is often difficult to get a loan for investment purposes from a bank, but even when you can, there are advantages to seeking a private lender. There is less red tape. There is less hassle. Loans can be closed quickly. Pre-approval is available. 100% financing can be had, if the loan to value ratio is good.

Common sense tells us that the more goals we are saving for the less we can contribute to each goal. For example, if you have $1,000 each month to put toward your financial goals and you have 10 goals in total, that equals $100 allocated toward each goal right? And if you only have 2 goals you can now save $500 toward each goal. Pretty simple stuff here but the point is, there’s only so much money to go around unless you start thinking outside of the box. As you know, the real problem is that student loan debt payments take up such a large portion of your monthly income that there’s a big challenge in finding the money to pay bills, loans, housing expenses, save for your retirement and college for your kids. As a result, most families end up sacrificing one or several goals in order to meet others.

Once you submit your application, it will go through an approval process. Of course, this being the Government it sure isn’t fast but it will come back eventually. Not every grant that you try for you will receive, but there is no limit to the number of grants that you can apply for provided you meet the qualifications.