Have you lost your job? Are you struggling to make financial payments to keep you or your family housed and fed? It may be time to start looking for financial aid from government benefits, instead of attempting to take out a payday loan or loans from other sources. Follow the tips in this guide to see if you should consider approaching your local, state, area or federal government for financial aid.
Emergency
There are even government programs that offer financial assistance for emergency payment situations. There are programs that can help you pay for heating in the winter, clothing disbursements, emergency food vouchers and even emergency housing provisions. In areas of disaster, there are generally government provided services that offer relief services including housing, shelter and emergencies payments as well. These are all dependent on eligibility and your local, state or federal government.
In many countries, you can even receive crisis and benefit loans or advances from the government or non-profits. These are generally low to no interest loans with little to no fees as they are to assist with essential household needs such as; appliances, vehicle repair, furniture, etc
Unemployed
If you are unemployed, most western democracies have some form of unemployment financial aid. Job Seeker 
allowance in the UK, Employment Insurance Benefits in Canada, Unemployment Benefits in the US or Job Seeker and Centrelink benefits in Australia all provide some form of financial aid for those out of work, but looking for another job. If you are recently unemployed, it is the best time to find out what you can get in the form of benefits. Generally these benefits do not require low income, asset qualifications or for you not to own a home. Get these benefits to help you meet your financial needs instead of getting a loan.
Disabled
If you are disabled, there is a good chance that your government may provide a certain basic income to be able to live. These benefits provide a basic standard of living. If you have recently become disabled it is better to get on this type of benefit assistance as soon as possible before applying for payday loans or financial loans from your banking financial institution.
Pensioner
If you have retired and do not have a stable income, you may qualify for a retiree pension from your government. These government benefits are usually available to all that have paid into this social benefit over the course of your career. As a retiree or pensioner you have the ability to get a number of government benefits including subsidized housing and food benefits in most areas as well.
Low Income
If you are unable to find regular employment and are living in poverty, there are benefits that can assist with some of your living costs. These benefits are generally referred to as social welfare benefits or payments or income supplement benefits. By providing you with a basic standard of living it allows for food and shelter for most individuals and families that are eligible.
In most cases of need, government benefits and financial aid loans can provide a source of income that can replace expensive payday loans. Taking advantage of these programs can be as easy as signing up online in some cases, to visiting your local aid office.
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