Boston, MA Financial Assistance
A Comprehensive Guide to Financial Assistance and Resource Options in Boston, Massachusetts
If you live in Boston and you're facing financial hardship, you are not alone. Whether due to job loss, health bills, or unexpected expenses, countless Bostonians face fiscal challenges. Luckily, various government programs and non-profit organizations work to provide financial assistance to individuals and families in need. This guide outlines some of these resources, their eligibility criteria, and how to apply.
Government Financial Assistance Options:
1. Supplemental Nutrition Assistance Program (SNAP)
Formerly known as Food Stamps, SNAP is federal assistance that helps low-income households purchase healthy food from authorized retailers. Eligibility is based on household size, income, assets and other factors. For more information and to apply, visit the Massachusetts Department of Transitional Assistance website or call their hotline at 1-800-645-8333.
2. Medicaid and MassHealth
These programs provide comprehensive health care or help pay for part of the cost. Eligibility depends upon household size and income. To apply, visit the MassHealth Enrollment Center or apply online through the Massachusetts Health Connector website.
3. Temporary Assistance for Needy Families (TANF)
TANF, also known as Massachusetts' Transitional Aid to Families with Dependent Children (TAFDC), provides temporary cash assistance, job preparation, and work assistance. Eligibility is based on household income. You can apply at your local Department of Transitional Assistance (DTA) office.
4. Unemployment Insurance (UI)
UI provides financial assistance to individuals who are unemployed through no fault of their own. To be eligible, you must meet certain wage and job separation requirements. Check the Massachusetts Department of Unemployment Assistance website for more details.
Non-profit Agencies that Provide Assistance
1. The Salvation Army
The Salvation Army offers various assistance programs, including rental and utility help, food pantries, and emergency shelter. Contact the Boston branch at (617) 536-5260.
2. ABCD (Action for Boston Community Development)
ABCD provides low-income residents with services such as fuel assistance, food pantries, and child care vouchers. Visit the ABCD website or call their main number at (617) 348-6000.
3. United Way of Massachusetts Bay and Merrimack Valley
United Way offers support through its 2-1-1 hotline, an information and referral line that connects residents to services in their community, from housing help to job training programs. Dial 2-1-1 on your phone to get started.
Strategies to Overcome Financial Hardship:
While government and non-profit programs can offer immediate and temporary assistance, there are long-term strategies worth considering to alleviate financial hardships.
1. Financial Education and Budgeting
Understanding how to manage your money can make a huge difference in your financial health. Plenty of financial consulting firms and community nonprofits offer free workshops and one-on-one counseling to help you create a budget, pay down debt, and build an emergency fund.
2. Job Training and Education
Many nonprofits and government programs offer job training and employment services, which can lead to more stable, higher-paying jobs. Check with local community colleges and vocational schools for affordable, industry-specific training programs.
3. Affordable Housing
Check with the Boston Housing Authority and local nonprofits about affordable housing options and subsidies. Federal programs like HUD’s Section 8 vouchers can also help lower housing costs.
Remember, it's okay to ask for help when you need it. Utilizing these resources is not a sign of weakness, but a step toward stability and success. You are not alone, and there are countless organizations and programs ready to help you through the tough times. Reach out today, and start on the path toward financial wellness.
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Latest additions in Massachusetts
Fair Housing Center Of Greater Boston, Inc.
The Fair
Housing Center of Greater Boston was founded in 1998 by local housing
and civil rights professionals and works to eliminate housing
discrimination and promote open communities throughout the region.
Service Area and Target PopulationWe serve the communities of Norfolk,
Suffolk, Essex, Middlesex, and Plymouth counties and seeks to promote
fair housing for all protected classes under federal, state, and local
laws.
Our current programs target discrimination based on race and
national origin, family status (the presence of minor children), and
source of income (particularly use of Section 8 housing subsidies).
We
focus on these groups because of the prevalence of discrimination
against them, as well as the lack of focused resources for their
defense.
We partner with urban community organizations serving home
seekers, suburban community organizations promoting diversity within
their communities, and attorneys experienced in civil rights litigation.
Why the Fair Housing Center is neededDiscrimination in housing not only
takes away our freedom to choose where we live, it also limits the
variety of people with whom we can interact and the opportunities
available to us in our own neighborhoods.
Where we live often determines
the quality of our children s education and our access to jobs.
The
Greater Boston region remains one of the nation s most segregated
housing markets for African Americans and Latinos.
The Fair Housing
Center s discrimination testing audits have documented that racial
discrimination is the norm rather than the exception for people of color
attempting to rent or purchase homes in our region. .. (continue to details page for more info and costs)
42.3548276,-71.0615750
- Phone
- (617) 427-9740
- Location
- Boston, MA
Homestart, Inc.
HomeStart s solution to homelessness
is simple: Housing First.At HomeStart, Housing First means that our
first priority for every person is a stable housing situation. We then
work with each person s individual needs to provide services and support
to make sure they are able to remain housed.Since 1994, HomeStart has
helped more than 3,500 homeless people move to their own homes. .. (continue to details page for more info and costs)
42.3529225,-71.0610626
- Phone
- (161) 754-2033
- Location
- Boston, MA
Traveler s Aid Family Services, Inc.
For families who
find themselves homeless and on the street, at police
stations, or in
hospitals at the middle of the night, Travelers Aid
Family Services
(TAFS) provides temporary emergency shelter, placing
families in
motels while they pursue longer-term solutions. When
families need
shelter for a longer period of time in order to, for
instance, access
job training, search for permanent housing, or
stabilize their
children s educational or medical problems, TAFS
provides
transitional and permanent housing. Our homelessness
prevention
programs are a lifeline to families looking for help to
prevent from
falling into homelessness in the first place. .. (continue to details page for more info and costs)
42.3506730,-71.0568090
- Phone
- (617) 542-7286
- Location
- Boston, MA
Catholic Charities Archdiocese Of Boston
The mission
of Catholic Charities is building a just and compassionate society,
rooted in the dignity of all people. Founded in 1903, Catholic Charities
serves low-income families and individuals, regardless of religion,
race, ethnicity, gender, age, or sexual orientation. In fiscal year
2008, Catholic Charities assisted more than 200,000 people in
communities throughout Eastern Massachusetts. Out of respect for our
clients and supporters, 84 cents out of every dollar goes directly to
client services. Services are sensitive to the needs of diverse
populations. Catholic Charities works closely with other community
providers and engages volunteers in effective community responses.
Resources are targeted to neighborhoods of working poor families, whose
wages do not keep pace with need. Catholic Charities serves towns
throughout Eastern Massachusetts. Multiple service centers are located
in Boston. Others are located as far West as Framingham, as far South as
Brockton, and as far North as Lawrence. Today, Catholic Charities
maintains the same strong commitment that has guided it for nearly 100
years. Moving decisively toward meeting the needs of a changing
population and the challenges of the new millennium, Catholic Charities
remains focused on its primary mission: providing hope for all. .. (continue to details page for more info and costs)
42.3526349,-71.0487515
- Phone
- (617) 482.5440
- Location
- Boston, MA
Nigerian Youth Organization Inc
To provide a range of
programs that will improve the youths quality of life through education,
performing arts and culture. .. (continue to details page for more info and costs)
42.2954170,-71.0897350
- Phone
- Location
- Boston, MA
Energy Consumers Alliance Of New England Inc.
We have
a dual mission of making energy more affordable and environmentally
sustainable. We do so with a combination of market-based programs and
pro-consumer, pro-environment advocacy and education work. .. (continue to details page for more info and costs)
42.3123476,-71.1140589
- Phone
- +1 617-524-3950
- Location
- Boston, MA
Mission Hill Neighborhood Housing
PROVIDE AFFORDABLE
HOUSING .. (continue to details page for more info and costs)
42.3337090,-71.1037950
- Phone
- (617) 566-6565
- Location
- Boston, MA
Department of Neighborhood Development - BOSTON
*Homelessness Prevention and Rapid Re-Housing Program*
On February 17, 2009, President Obama signed the American Recovery and
Reinvestment Act of 2009,which ludes $1.5 billion for a Homelessness
Prevention Fund. Funding for this program, called the Homelessness
Prevention and Rapid Re-Housing Program (HPRP), is being distributed
based on the formula used for the Emergency Shelter Grants (ESG) program.
Grantees may provide rental assistance or services to eligible program
participants who are residing or would like to reside outside their
jurisdiction. They may also fund ubgrantees that serve persons outside
of the jurisdiction, subgrantees that are located outside of the
jurisdiction, and subgrantees that serve multiple jurisdictions. A
grantee may establish more stringent requirements, such as requiring
that HPRP funds be spent within the jurisdiction or establishing a
residency requirement,but HUD is not setting these requirements.
Counties served:Plymouth County
.. (continue to details page for more info and costs)
42.3590304,-71.0588367
- Phone
- (617) 635242
- Location
- Boston, MA
Department of Housing and Community Development - MA STATE PROGRAM
*Homelessness Prevention and Rapid Re-Housing Program*
On February 17, 2009, President Obama signed the American Recovery and
Reinvestment Act of 2009,which ludes $1.5 billion for a Homelessness
Prevention Fund. Funding for this program, called the Homelessness
Prevention and Rapid Re-Housing Program (HPRP), is being distributed
based on the formula used for the Emergency Shelter Grants (ESG) program.
Grantees may provide rental assistance or services to eligible program
participants who are residing or would like to reside outside their
jurisdiction. They may also fund ubgrantees that serve persons outside
of the jurisdiction, subgrantees that are located outside of the
jurisdiction, and subgrantees that serve multiple jurisdictions. A
grantee may establish more stringent requirements, such as requiring
that HPRP funds be spent within the jurisdiction or establishing a
residency requirement,but HUD is not setting these requirements.
Counties served:Middlesex County
.. (continue to details page for more info and costs)
42.3797768,-71.1445187
- Phone
- (617) 5731100
- Location
- Boston, MA