Seek Additional Resources

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In all aspects of life, when we face any kind of shortage (time, money, food, etc) we generally have two choices. We can prioritize and narrow down our goals, which we have discussed in earlier posts. OR we can expand our available resources. In most cases, it’s smart to do a little of both!

The current public health crisis is wreaking havoc with the economy at large and with the economic well-being of many individual households; the widespread nature of the crisis has led to availability of expanded public supports for those whose income is disrupted. Find out if you are eligible for the unemployment relief available during the COVID-19 crisis, and apply. Learn about food pantry options in your community; spending less on food can free up funds for other critical needs and bills.

In addition, consider your personal resources. Do you own something you can sell to help you through this crisis?  If you have a boat or a snowmobile or other item of value, selling it can provide a boost. If you are currently laid off from your regular job, is there temporary work available in your community? Keep an open mind and consider all options for dealing with your current situation.

If you have lost your health insurance, check on the free or subsidized health insurance available through the Affordable Care Act: contact DHS at 855-889-7985 to see if you are eligible for free insurance, OR for subsidized insurance through the marketplace, go to www.healthcare.gov or call 800-318-2596. Through the marketplace, your share of the insurance premium is on a sliding scale depending on your income: people generally pay premiums equivalent to 2% – 8% of their income, and the government pays the remainder.

Seek other public or community assistance as well if you qualify. These resources exist because we live in a society that wants to ensure all can stay safe and healthy. Perhaps you are new to seeking help, but consider that others have needed them in the past and others will need them in the future; now is the time when you need them. If you don’t know much about available resources in your area, dial 211 or go to the website. This free service provides information and referral on a wide range of issues.

Barb Wollan

Barb Wollan

Barb Wollan's goal as a Family Finance program specialist with Iowa State University Extension and Outreach is to help people use their money according to THEIR priorities. She provides information and tools, and then encourages folks to focus on what they control: their own decisions about what to do with the money they have.

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