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How Can Low-Income Families in New Jersey Find Help? 

 

Gloucestercitynews.net (9-19-2019)--In New Jersey, the average family of 4 has to earn less than $71,000 to be considered low income and get the benefits and help that they need to support their family and finance their lifestyles. This figure is the highest in the United States, with these limits changed each year to accommodate inflation. If you are a low-income family living in New Jersey, read on to find out the help and support that is available to you. 

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Help to Buy a House

The most critical priority for low-income families is usually to have somewhere safe for their family to live independently, away from relatives or other means of familial support. However, the median housing prices in New Jersey start at $360,084, making it extremely difficult for struggling families to invest in a home of their own in the state. There are many charities that provide support to low-income families looking for the means to invest in a house in the state, and dorchesterhabitat.org is one of them. Dorchester Habitat for Humanity runs schemes for low-income families to own their own homes with a no-interest mortgage, making the monthly repayments small and viable for struggling family units. With voluntary labor and donated materials, they can solve your housing issues through their commitment to equal housing rights.

Help With Income 

If you earn less than $71,000 a year, you are eligible for government benefits to help you with your financial situation. For instance, social security schemes such as Welfare or Temporary Assistance for Needy Families provides you with non-cash benefits, such as childcare and job training, which can allow you to work towards self-sufficiency and save on expenditure and facilities that are denting your income and which you would otherwise not be able to afford. Supplemental Security Income can also help those that are seniors who have disabilities, allowing you to claim if one of these issues prevents you from working, and therefore receiving the money that is necessary to make a living. 

Help For Necessities 

One of the major issues for families with a low income is being unable to get the necessities that they need to survive. However, the government offers many schemes which can help you to receive the essentials that you require. These include food stamps, which work like a debit card to allow you to buy food from grocery stores without having to pay for them. If you have children, the Child Nutrition Program can also help you to get free school dinners for your child in support of your own nutritional offerings. 

The other necessity that it is difficult to live without is medical insurance, and the government also runs Medicaid schemes to help you with this, with 1 in 5 Americans covered for their health needs by the system. There are also many charity programs for healthcare if you are uninsured but don’t qualify for government help, and local hospitals can help you to find a charity to cover your medical care if you find yourself receiving medical aid without insurance to help with the costs. 

image courtesy of unsplash.com

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