Help in Hard Times

Your First Call for Help in Hard Times 2-1-1

Feeling the pinch?

Did you lose your job or are you worried you will?

Struggling to get by and not sure where to turn?

These days, many people find their income shrinking while their bills keep growing.

We can help.

If you are experiencing financial trouble or other difficulties, don’t wait to seek assistance.

Help in Hard Times United Way of Central Maryland has prepared this guide as a resource for people facing the loss of a job or coping with other financial struggles.

Help is available to see you through this difficult time, though finding it can seem intimidating and confusing. No matter what your situation, you are not alone.

This booklet is designed to guide you through the options you may have and offer suggestions for ways to get back on your feet.

Beyond the resources listed here, answers, guidance and a caring voice are always available through 2-1-1 Maryland at United Way of Central Maryland (formerly First Call for Help™). It’s free and confidential.

Because each situation is unique, you may find it helpful to talk with an expert to find the assistance that best suits your needs. 2-1-1 has information about everything from food, housing, health care, financial assistance and legal services to employment help, childcare, counseling, transportation, drug treatment and government programs, plus a lot more.

You can rely on our Information and Referral Specialists 24 hours a day, seven days a week.

Simply dial 2-1-1 or 410.685.0525 anytime you need help.

Toll-free 1.800.492.0618 (statewide) TTY weekdays 8:30 a.m. - 4:45 p.m. 410.685.2159 (for hearing impaired) Visit www.211md.org to search for community resources.

Normal airtime and other charges apply for cell phone users.

TABLE OF CONTENTS Survival Plan: Take Charge of Your Life

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Securing Your Finances: Government Financial Benefits Can Help

8-9

Housing Concerns

10-11

Feeding Your Family

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Help with Energy Costs

13-14

Health Care Resources

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Assistance for People With Disabilities

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Legal Assistance

17-18

Finding Work

19-22

Counseling To Help You Through

23-24

Money-Stretching Strategies

25-27

Keeping Your Spirits Up

28-29

Survival Plan: Take Charge of Your Life Step 1: Prepare a Realistic Monthly Budget

With less money coming in, planning and strict budgeting will be necessary to meet your financial responsibilities.

Prepare your budget as soon as your income changes. Looking at your financial situation on paper is an essential step in deciding what expenses to prioritize and will also be needed to apply for benefits. Discuss your finances with everyone in the household and work together as a team to manage the situation.

MONTHLY INCOME should include:

MONTHLY EXPENSES should include:

Income for all household members Savings

Severance pay

Union strike assistance

Unemployment payments

TANF, food stamps, SSI, child support, or any other benefit payments

Fixed Expenses - mortgage or rent, insurance, loans, installment payments, credit card payments, child support and other fixed monthly payments Variable Expenses - food, transportation, utilities, phone, medical expenses, repairs, prescriptions, clothing, recreation, child care Anticipated Future Expenses - Taxes, tuition, emergencies, moving expenses and outstanding debts with deferred payments.

Step 2: List Assets

These investments are part of your financial picture even though you may not have instant access to the funds.

Avoid tapping these resources unless you have absolutely no choice.

Assets may include: • 401k or pension funds • Cash value of insurance policies • Prepaid burial or funeral policies • Stocks or bonds • Equity in your home (the difference between the value and the amount you owe on your home) • Resale value of vehicles, boats, RVs, etc.

Step 3: Prioritize your expenses

Payments should be listed in order of importance, so that your basic needs are secure even when money is short.

Housing might be first on your list, followed by food, utilities, medical expenses, transportation and child support (if applicable).

Step 4: Make a Complete List of Your Creditors

Include in your list creditors’ names, addresses, account numbers, interest rates, total amount owed, scheduled payment amounts and due dates. Try not to let the combined picture overwhelm you, it is a signal that you are taking control of your financial problems, not a list of personal failures. This list will also be needed in applying for some kinds of assistance.

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Step 5: Contact your creditors before you get behind

Try to make alternate payment arrangements. Contacting them shows a good faith effort to pay, and most creditors don't want to go through the hassle and expense of chasing you for payments. If you cannot pay everything, pay what you can so that your overdue balance remains as low as possible. Partial payments may also keep your account from being turned over to a collection agency.

Contact your creditors in writing using this sample letter (click here). Make sure to send it certified mail with a return receipt requested.

Step 6: Stay in Touch with Creditors

After your first letter, keep in regular contact with your creditors. This reassures them, shows that you have a responsive attitude and may keep them from harassing you.

Keep full records of these transactions and phone communications: • Date • Telephone numbers • Name of the firm • The balance and length of your debt • Name of the person with whom you met or talked with • A brief account of agreements made

DON’T IGNORE YOUR MAIL! Though bills can seem like a nightmare when you have no money with which to pay them, do not ignore government agency inquiries or creditor requests for information. That only makes a difficult situation worse. If you do not understand notices or bills sent to you, call the person who sent the bill.

Step 7: Stop Using Credit

Try and stop using your credit cards. One good strategy is to put them in a drawer and leave them at home. Credit card interest rates are extremely high, which means you pay twice for the temporary use of that money. If you have any means to do so, try to make larger payments to reduce the balance you owe -- the larger you balance, the faster it grows. There may be desperate times when a credit card is your only option, but it should be viewed as an emergency rather than a long-term solution.

If you have serious credit card debt, consider talking to a nonprofit debt management program, such as Consumer Credit Counseling Services of Maryland and Delaware, Inc. (CCCS).

Baltimore Metropolitan Area 410.747.6803 Statewide 1.800.642.2227 Information and counseling is available by appointment to help you manage your money and debts. Counselors will assist in negotiations with creditors. Counseling is free but a small fee is charged for administering your debts.

Counselors review clients’ budgets and offer advice regarding any unwise spending.

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Step 8: Reduce Household Expenses

You and your family will probably need to make some adjustments to your life in order to stay within your budget.

Actively planning which expenses to give up can make it easier to live with your choices, so involve all household members in the brainstorming. See the section called "Money-Stretching Strategies" in this booklet for ideas on ways to save.

Step 9: Sell Things You Don’t Need

A garage sale may net a few dollars and help you clean out your attic, and while you are unemployed you may have time to make it worthwhile. Research online auction sites like eBay, consignment shops or secondhand stores, if you have jewelry, electronics or other higher-value items to sell. If you have more than one car, think about downsizing. It might be time to sell the boat, trailer or recreational vehicle you rarely use. It may be possible to let some items go without really changing the way you live.

…and most importantly

Do you need more guidance about budgeting, paying bills, managing debt or other financial concerns?

Step 10: Take Care of Yourself.

Pay attention to your health. Living with stress can cause illness at the time you can least afford treatment. Eat nutritiously and get plenty of sleep and exercise. Make time for leisure and recreation. Familiarize yourself with available low-cost health and mental health services before any serious problems develop. See the “Counseling To Help You Through” section at the end of this booklet for places that offer these services.

Stay in touch with friends, relatives, acquaintances and associates.

Research has proven that every stressful situation improves when you feel less alone and know that you have support. Keeping your relationships healthy keeps you strong.

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Please call the Maryland Money Helpline at 1.877.254.1097 for FREE financial counseling.

The line is staffed Monday - Thursday 8:00 a.m. - 9:00 p.m.

Friday 8:00 a.m. - 5:00 p.m.

Saturday 9:00 a.m. - 1:00 p.m.

This free service is provided through a nonprofit partnership between Consumer Credit Counseling Services of Maryland and Delaware and the Baltimore CASH campaign.

Securing Your Finances Government Financial Benefits Can Help

Researching the financial benefits for which you are eligible is crucial in taking control of your situation. The public benefits system, which includes programs like Temporary Cash Assistance (TCA), Food Stamps and Medical Assistance, can be very confusing and often frustrating.

Dial 2-1-1 to find an advisor who is trained to help you figure it out. Applying for benefits can take a long time, so do this research as soon as your income changes. It is a lot easier to discontinue benefits if your situation improves than it is to apply for them when you really need them.

EarnBenefits is a free program created to screen people and connect them to all the benefits for which they might be eligible. Trained counselors sit down one-on-one with clients and show you how to navigate the systems using an online screening tool.

Call 2-1-1 to find an EarnBenefits counselor or go to http://baltimore.earnbenefits.org

Do not rely on information about eligibility from co-workers, friends or family -- your benefit eligibility is as unique as your situation and circumstance. Contact the source of the benefit directly to determine your status. Familiarize yourself with details about the benefits for which you qualify and be clear about when you can expect to receive assistance.

Be ready to navigate a complex system of programs and agencies and be prepared to fight for your rights. It is not uncommon to experience problems when applying for benefits, and at times it may not seem worth the effort. Stay focused, be patient and do not let this discourage you. Many people feel embarrassed to ask for government aid, but you absolutely deserve help to see you through this tough time. Government assistance programs are funded through money withheld from your paycheck while you are working. You have earned the right to receive assistance in your own time of financial difficulty.

Unemployment Insurance

If you have lost your job or are working only part time, you may apply for unemployment insurance. In order to receive this benefit you must have worked for a minimum of 18 months in the state of Maryland. You must also be actively looking for a new job and keep records of your search efforts. Benefits are disbursed to a debit card that can be used for payments and purchases. You must call every week and report your status via an automated phone system. Unemployment insurance is paid without regard to your financial status. It is based upon your previous earnings and your previous employer pays for the benefit. Eligibility is determined on an individual basis. Apply immediately when you lose your job, either permanently or temporarily. It may take longer than it normally would for benefits to start due to the ballooning number of people who are currently unemployed.

For more information or to apply for unemployment insurance, contact: Maryland State Department of Labor, Licensing and Regulation Baltimore Area: 410.949.0022 Statewide toll-free: 1.800.827.4839

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Public Assistance Programs

Each county in Maryland has a Department of Social Services (DSS) that administers a variety of public assistance programs designed to help people who are having problems meeting their basic needs. While requirements are strict, you may qualify for benefits even if you own a home or a car.

Anne Arundel County, DSS Baltimore City, DSS Baltimore County, DSS

410.269.4500 443.423.6300 410.853.3000

Carroll County, DSS Harford County, DSS Howard County, DSS

410.386.3300 410.836.4700 410.872.8700

Food Stamps in Maryland are free food benefits provided monthly to eligible cash assistance and low-income households to supplement food supplies and improve nutrition. Benefits are in the form of a debit card to be used at participating stores.

Women, Infants & Children Supplementary Food Program (WIC) WIC is a program designed for low-income pregnant or breast-feeding women and their children under five years of age. The benefits include supplemental food vouchers and a nutritional program. Eligibility is determined by income guidelines. Call 2-1-1 or the WIC appointment line 410.396.9427 (Baltimore City) or 1.800.242.4WIC (statewide) to determine if you might be eligible.

Family Investment Program (FIP) provides Temporary Cash Assistance (TCA) to low-income families with children. FIP has a five-year lifetime limit for benefits. Clients are required to participate in work or training activities for a minimum of 30 hours a week in exchange for temporary cash assistance, childcare, training, emergency assistance and medical assistance.

Emergency Assistance to Families with Children (EAFC) provides emergency cash assistance (grants) to assist with court-ordered evictions, mortgages, utility cut-offs and burial assistance. It may be used only once in a 12-month period.

How to Apply For Assistance

S.A.I.L. (Service Access and Information Link) is an online tool that allows people to check if they are eligible and apply for many public assistance programs: Temporary Cash Assistance (TCA), Food Stamps, Temporary Disability Assistance Program (TDAP), Medical Assistance for children and adults and other programs.

Go to www.marylandsail.org to get started. Dial 2-1-1 if you need help with the website.

When applying for assistance, it is helpful to have as many of the following items available as possible.

Identification • Photo ID • Driver’s license • State ID • Employment ID • Department of Social Services ID • Green card • Social Security Cards for all members of the household

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Proof of Residence • Lease or mortgage agreement • Rent receipts • Utility bills • Insurance bills

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Proof of Income • Income tax returns • 4-6 weeks pay stubs • Unemployment insurance check stubs • Benefit letter for government checks (i.e., SSI, SSDI, VA, Social Security) • TDAP benefits allotment • Pension benefits • Any other income

Housing Concerns When faced with the loss of a job and the resulting reduction in your income, contact your landlord or lender immediately to discuss your situation. If you cannot make satisfactory arrangements there are agencies that provide landlord/tenant counseling and mediation, as well as mortgage default and delinquency information.

It is important to know your rights as a tenant or a homeowner. Do some research and educate yourself – several community agencies offer free homeowner or renter education classes.

NOTE: The information in this section was correct as of January 2011. However, new government and non-profit programs are still being developed to address the current housing crisis. Please be advised that changes to these laws and procedures are likely.

A nonprofit housing counselor can guide you through the best options currently available to you.

Please call 2-1-1 for referral, or call the Maryland Hope Hotline at 1.877.462.7555.

Renter’s Assistance: If you are unable to pay your rent, help may be available. Each county’s Department of Social Services (DSS) sponsors an eviction prevention program and some community programs have emergency funds to prevent eviction as well. Please contact 2-1-1 for more information about your options.

If you decide you need to move, see Maryland Department of Housing and Community Development (DHCD)’s housing locator service at www.mdhousingsearch.org or call 1.877.428.8844. This tool allows users to narrow the listings by price, location, amenities, income-sensitive rental agreements and even whether the lease requires a credit or criminal background check.

Avoiding Foreclosure

What Happens if I Miss a Mortgage Payment?

After you miss one payment you are in default and may receive a “deficiency notice” from your lender. If you miss several payments, you may get a “notice of default” which explains how much you owe and advises you that foreclosure may be a possibility. Foreclosure proceedings can legally begin when you have not paid your mortgage for 90 days.

The next step is a “Notice of Foreclosure Action.” Maryland law requires that the notice must be sent both certified and first class mail at least 45 days before filing a foreclosure action.

Don’t wait for this to happen. The sooner you get help with your mortgage problems, the more likely you are to keep your home.

Help with your Mortgage Payments Generally, housing lenders do not want to foreclose on a mortgage. There are rarely winners in a foreclosure because of the costs involved. Try to work out a payment plan with your lender until you are better off financially.

As the government reacts to the foreclosure crisis that many Americans are experiencing, more and more options are likely to become available to help you work out a way to stay in your home. The key is to ask for help early and persistently.

Some lenders may allow skipped payments, some may suggest partial or interest-only payments for one to six months. You might consider selling or refinancing your home, but it is advisable to seek professional advice when considering these options.

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A Nonprofit Housing Counselor May Be Able to Help You Keep Your Home Free and confidential foreclosure prevention assistance is available in many locations across Maryland. Housing counselors can help you understand your mortgage documents, explain the options you have and help you negotiate a “Workout Plan” with your lender. Come to the appointment prepared with settlement paperwork, tax returns and any notices or invoices from your lender, along with your household budget and list of creditors.

Possible Workout Plans, according the Maryland Department of Housing and Community Development (DHCD), could include: • Repayment Plan - Catch up by adding a portion of the past due amount to your monthly payments.

• Forebearance Plan - Your monthly payments are temporarily reduced or suspended. There is usually a higher payment when the payments are reinstated.

• Loan Modification Plan - The lender agrees to change your terms in some way. They might reduce your interest, extend the loan payment period or negotiate the prepayment penalty.

• Partial Claim (available only for an FHA loan) - The lender may offer an interest-free loan to catch up the arrearage. The loan is due when you sell the property or when you pay off your first mortgage.

• Recast Plan (not available with Fannie Mae or Freddie Mac) - You put missed payments at the back end of the loan.

If your lender rejects your proposal, try to negotiate and find out what they might be willing to accept. If it seems unreasonable or unfair, ask to speak with a loss mitigation specialist or supervisor. Though a housing counselor can be a great help, you need to act as your own advocate. Even if foreclosure is inevitable, you can still negotiate better terms or a longer timeline so that you aren’t out in the cold. Be ready to keep fighting!

Once you are out of immediate danger, you need a long-term plan about how you are going to manage payments.

The Maryland Department of Housing and Community Development (DHCD) has developed some refinancing options to help homeowners in exactly that situation. Call 2-1-1 or a nonprofit housing counselor for more information.

Avoid Foreclosure Rescue Scams Be sure that the person helping you with your mortgage is a legitimate housing counselor who is attached to a reputable nonprofit agency. There are many of these services available, call 2-1-1 to locate the one closest to you.

There are also many people who want to take advantage of desperate homeowners looking for help, so be smart and beware! Do not seek assistance through a company that advertises through flyers on telephone poles and median strips. Some scam artists lure homeowners into signing their deed over and then take the home for themselves and others charge enormous fees without delivering any services at all. Don’t sign any documents without first getting objective legal advice. If you feel you have been the victim of a real estate predator, you can report this to Maryland Department of Labor, Licensing & Regulation, at www.dllr.state.md.us, or by calling 1.888.784.0136.

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Feeding Your Family There are many agencies in central Maryland where free or low cost food is available during times of crisis. Several kinds of help are available, depending on your needs.

Soup Kitchens provide an immediate hot meal, usually prepared by volunteers or agency staff and served to whomever walks in at the appointed time. Some serve meals daily, others weekly or monthly.

Congregate Meal Sites are usually run through senior centers and serve a daily hot meal to the program participants. This can be a major help for older people who live independently but have trouble cooking for themselves.

Food Pantries provide emergency food packages for people who do not have enough money to buy food. They are intended to fill in a gap as an emergency program and do not provide people with food on a continuous basis.

Some pantries have a limit to how often you can get groceries, and many require a referral from 2-1-1 or the Department of Social Services (DSS). The contents of the package vary from one pantry to another, but some offer vegetables, frozen meat, canned goods, cereal, pasta and other grocery staples. Infant formula, diapers and baby food are available at certain locations, so you should mention that you need these items when you call for a referral. A box of food may or may not be available the same day you call.

Ongoing Food Assistance like food stamps and food cooperatives provide monthly assistance to supplement the food needs of low-income families and individuals.

Food Stamps provide monthly funds for free food to eligible low-income households. Benefits are in the form of a debit card to be used at participating stores. Maximum gross income guidelines determine eligibility. Call 2-1-1 to find out if you might qualify.

Angel Food Ministries Toll-free 1.888.819.3745 Hotline 1.877.366.3646 Website www.angelfoodministries.com Email angelfood@angelfoodministries.com Angel Food Ministries is a food cooperative program that sells boxes of food at $30 per box. One box is designed to feed a family of four for about a week or a senior citizen for about a month. Boxes include fresh and frozen items. There are no eligibility requirements.

SHARE (Self Help and Resource Exchange) Phone 301.864.3115 Toll-free 1.800.21.SHARE (1.800.217.4273) SHARE is a food cooperative program with no eligibility criteria other than the desire to participate. SHARE provides meats, produce and groceries for about half the retail value of the food. There are many distribution sites across Maryland. For $19 and two hours of volunteer time you will receive approximately $40-$45 worth of food. You can volunteer for the program itself, for another helping organization, at your child’s school or even just help a neighbor.

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Help with Energy Costs With fuel costs on the rise and many people struggling financially, this is one of the most common concerns for people who call 2-1-1 for help. There are several options to help you work it out. Here are a few possibilities:

Heating/Electric

Here are the steps to take if you are not able to pay your monthly gas and electric bill: 1. Call your utility company and let them know about the situation. This telephone number is listed on your bill.

Ask for an extension on your bill and try to work out a repayment plan. Be realistic about your ability to pay the amount owed. If you receive a turn-off notice, it is critical that you contact the company before the turn-off date. Help becomes much more difficult to find after your energy is shut off.

2. If you have a shut-off notice, you may be eligible for assistance through the Office of Home Energy Programs (OHEP), which offers a number of programs designed to help pay energy bills.

The Maryland Energy Assistance Program (MEAP) is a federally funded program that assists with winter heating costs, available only once a year.

The Electrical Universal Service Program (EUSP) is also a once a year grant to assist people with the cost of electricity.

Both grants have specific maximum household income guidelines in order to be eligible. If you qualify for MEAP, you may also be eligible for the Utility Service Protection Program (USPP) assistance. USPP pays your MEAP grant directly to your utility company, thereby reducing the amount of your monthly payment. For more information, contact one of the offices listed on the next page, or visit www.marylandsail.org.

3. Apply for assistance through the Fuel Fund (contact information listed on the next page) or an emergency fuel oil program. This is an emergency fund that may be used once each heating season (approximately December 1 through March 31). Applicants must show evidence that they have applied for MEAP and an Emergency Assistance to Families/Children (EAFC) grant. Dial 2-1-1 for more information about the Fuel Fund.

4. Contact local charities and faith-based organizations who can sometimes help through emergency financial assistance programs. Though these funds are often very limited, you may be able to combine more than one source to make up the total amount owed. Generally, you must have a shut-off notice and have already applied for MEAP and the Fuel Fund to qualify. Call 2-1-1 for suggestions about where to call or check with churches and charities near you.

5. Call the Maryland State Public Service Commission (PSC) at 1.800.492.0474 if you feel your bill is unfair or your rights are denied. This organization regulates public utilities and responds to complaints about utility companies. The economic crisis has prompted the PSC to impose a moratorium which blocks energy companies from shutting off customers’ power for non-payment. These are intended to be temporary, but you may want to call the PSC to find out if a moratorium is currently in place. If not, they may still be able to help you get an additional extension on your utility bill or mediate an affordable payment plan.

When applying for energy assistance, you will be asked to show these documents: • Your turn-off notice and current utility bill, or name of oil or bulk fuel company, and account number • Proof of total household income over the previous 30 days • Lease, proof of mortgage, rent payment receipt or Section 8 certificate • Driver’s license or other photo ID • Social Security cards for every household member, including children • OHEP certified benefit letter for MEAP, EUSP and USPP 13

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FUEL FUND PROGRAMS

An applicant must first apply for MEAP/EUSP at OHEP before appling for the Fuel Fund.

BALTIMORE CITY • Baltimore City Department of 443.423.6000 Social Services/HEESU • Govans Ecumenical Development 410.532.2273 (GEDCO) Corporation-CARES Areas Served: 21210, 21212, 21218 (North of 33rd Street Only) and 21239 • Salvation Army 410.783.2920 Areas Served: Baltimore City • Paul’s Place 410.625.0775 Areas Served: 21223, 21230 • Samaritan Center 410.659.4020 Areas Served: Baltimore City • St. Mary’s Outreach Center 410.366.3106 Areas Served: 21211 ANNE ARUNDEL COUNTY

410.626.1910

BALTIMORE COUNTY COMMUNITY ASSISTANCE NETWORK • Cantonsville 443.423.6000 • Dundalk 410.285.4674 • Essex 410.853.3824 • Hillendale/Towson Parkville/Carney 410.339.6457 • Lansdowne 410.247.0093 • Randallstown 410.887.0631 • Rosedale 410.682.6607

Maryland State Department of Human Resources Office of Home Energy Programs (OHEP) Main 1.800.352.1446 Energy Assistance Offices (MEAP)

Anne Arundel County 410.626.1910 Baltimore City 410.396.5555 Baltimore County 410.853.3385 Carroll County 410.857.2999 Harford County 410.612.9909 Howard County 410.313.6440

BALTIMORE COUNTY • Deparment of Social 410.853.3385 Services • United Churches 410.628.2102 Assistance Network (UCAN) CARROLL COUNTY

410.857.2999

HARFORD COUNTY

410.612.9909

HOWARD COUNTY

410.313.6440

Telephone Bills

There is no financial assistance to help pay telephone bills that are past due. However, if you have a very low income, you may be able to lower your monthly phone bills by changing your level of service to “Tel-Life,” which allows a limited number of calls each month. Anyone who receives Temporary Cash Assistance (TCA), Temporary Disability Assistance Program (TDAP) benefits or Supplemental Security Income (SSI) can get low-cost Tel-Life Service and may be eligible for Link-Up America to help pay for the cost of getting a new phone service connected.

You may also be eligible to receive a free wireless phone with an allotted number of free minutes per month for local and long distance calls.

Tel-Life/Link-Up America 311 W. Saratoga Street, Baltimore, MD 21201 Verizon : 1.800.525.0145

Free Wireless Phone Options include: SAFE LINK Enrollment

ASSURANCE Main Line

1.800.723.3546 www.safelinkwireless.com 1.888.898.4888 www.assurancewireless.com

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Health Care Resources Life without access to medical care is scary. Stress due to financial problems can strain your health just when you can least afford to seek treatment. Most chronic conditions get much worse with neglect and many serious health problems can be prevented with routine checkups. Please take care of yourself.

Figure out how you can see a doctor before you need one and establish a relationship with that person before an emergency. There are several clinics in central Maryland intended to serve people who have little income or no insurance. Aside from independent clinics, health departments in every county provide a range of medical testing and screening for disease, free immunizations, free well-child care and evening clinics. Contact 2-1-1 or your local health department for information.

If you have recently lost a job, you may also have lost your insurance. If you have lost your health coverage and are unable to get health insurance on your own, consider speaking to your doctor or hospital about payment plans.

However, some government assistance with insurance is available. Most clinics can help you enroll or contact the programs listed below yourself.

COBRA

Prescription Assistance Programs If you need help paying for medication, please call 2-1-1 for a list of resources. Free or reduced-cost medicine is available through some pharmaceutical company programs, drug discount card programs and organizations that advocate for people with a specific medical condition. Local charities are sometimes able to assist with prescription costs through relief funds.

Additionally several retail pharmacies including Target, Walgreens, Wegmans, Giant and Wal-Mart offer special low prices (often $4) on a list of commonly used medications.

Maryland State Medical Assistance Program Medicaid is a federal-state health insurance program for low-income people who meet eligibility requirements. Benefits are administered locally through the Department of Social Services (DSS).

1.800.492.5231 Anne Arundel County, DSS Baltimore City, DSS Baltimore County, DSS Carroll County, DSS Harford County, DSS Howard County, DSS

410.269.4500 443.423.6300 410.853.3000 410.386.3300 410.836.4700 410.872.8700

U.S. Department of Labor Benefits Advisors 1.866.444.3272 If you have medical coverage through your employer you may have the right to keep your coverage at the group rate after losing your job. You must arrange for this continued coverage within 60 days of unemployment. There is a monthly fee for coverage, and it can be expensive even though it is much less than you would pay on your own for similar benefits.

However, the recent government economic stimulus legislation has reduced the cost of COBRA plans and extended the duration of coverage for people who become unemployed during 2009. Please call for the most current information.

Maryland Children’s Health Program (MCHP) Statewide Hotline 1.800.456.8900

Provides free health care coverage to low-income families with children up to age 19 and pregnant women of any age. If client is not eligible for free services, they may still be eligible for low-cost insurance through the Premium program. Insurance covers services such as routine doctor visits, hospital care, prescription medicine, prenatal check-ups, dental and vision care, lab work and home health care.

Primary Adult Care Program (PAC)

Medical Assistance for Families

Primary Adult Care (PAC) provides insurance to low-income people who do not qualify for Medical Assistance. PAC covers primary health care, certain outpatient mental health services and prescription drugs for eligible Maryland residents.

Parents and other family members caring for children under 21 can apply to get full heathcare benefits.

Provides free health services including; low-cost or free prescriptions, doctor visits, Emergency Room visits, hospital stays, x-rays and lab services. To request an application, call this number or visit your local DSS.

1.800.456.8900

1.800. 226.2142

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Assistance for People With Disabilities Disability claims can be physical and/or mental. Processing some disability benefit applications can take a long time, and you may be eligible for other benefits while waiting. There are programs available for both short-term disabilities (less than one year) and long-term disabilities (one year or longer).

Here are some of the largest programs to help people with disabilities be financially independent. However, other sources of income do exist. Help is sometimes available through organizations designed to help people who have a certain condition or health status. Do not assume that you are not eligible for benefits without first discussing your situation with someone knowledgeable in the field of disability rights.

Temporary Disability Assistance Program (TDAP) Provides limited cash grants monthly to single, physically disabled adults for emergency needs such as rent, prescriptions and medical expenses. Apply at your local Department of Social Services office.

U.S. Social Security Administration Social Security administrates Supplemental Security Income (SSI), disability benefits and Medicare. It also administers survivor benefits, including a lump sum death payment for survivors of those insured by Social Security and benefits for children who are under age 18 or disabled and have had one or both parents die.

Local Social Security offices help individuals apply for benefits or file appeals if they’ve been denied benefits. These offices provide information on eligibility and the rights of applicants/recipients.

Call the Social Security Administration for more information at 1.800.772.1213.

Maryland Access Point (MAP) Provides information and assistance for adults over the age of 50, persons over the age of 18 with a disability, and family and caregivers who are looking for services to assist with remaining in the community and leading full lives. Information and assistance is avilable to individuals of all income levels in need of services to help them remain independent, or who want to plan for the future.

Visit www.marylandaccesspoint.info to find more information on supports and services in Maryland.

Local MAP Offices: Anne Arundel County Department of Aging and Disabilities 410.222.4257 Baltimore City CARE Services at Baltimore Health Care Access 410.396.2273 Baltimore County Department of Aging

410.887.2594 Carroll County Bureau of Aging

410.386.3800 Harford County Office on Aging

410.638.4283 Howard County Office on Aging

410.313.5980 / 1.800.506.5806 (toll-free)

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Legal Assistance You may find that your income loss has put you into a situation where you need legal assistance. Be advised that while free legal information on various topics is often available, free legal representation is rare.

If your legal problems are related to debt, be aware that the Fair Debt Collection Practices Act establishes rules for debt collection. It is illegal for debt collectors to use harassment, false statements or unfair practices to pressure you into repayment.

If you need information about your rights as a debtor or other consumer information, call: Consumer Protection Division of the Maryland Attorney General’s Office Hours 9 a.m-3 p.m. Monday through Friday; call 410.528.8662.

Send written consumer complaints to: Complaint Handling Unit Consumer Protection Division 200 St. Paul Place, 16th Floor Baltimore, MD 21202

For work-related issues: Maryland Department of Labor, Licensing and Regulation Division of Labor and Industry Phone: 410.767.2441

Provides information on work-related issues such as workers’ rights, unfair dismissal and discrimination at the workplace.

Employment Standards Services Phone: 410..767.2357

Investigates complaints concerning alleged violations of the Wage Payment and Collection Law. Provides information and referrals on wage and employment laws in Maryland.

General Legal Advice and Counsel Maryland Volunteer Lawyers Service Baltimore area 410.547.6537 Statewide 1.800.510.0050 Provides legal services to persons who fall within income guidelines and can often give advice to those who are over the limit. It does NOT accept cases involving drugs, weapons possession, or special education students. However, some of the issues MVLS might work on include: • Housing: Landlord/tenant disputes, home ownership problems and poor housing conditions.

• Consumer rights: Product/service complaints, debt collection, repossessions, unfair practices, credit card or medical bill problems.

• Bankruptcy-Debt: Bankruptcy filing. Wait time is up to two to three months. Self-help class offered monthly for a $30 fee. Persons can file Chapter 7 to protect assets (i.e. homes, cars) in some situations.

• Tax Problems: Assists with audits and filing back taxes. At tax clinics, trained tax lawyers prepare returns at no cost to persons with limited income. Emphasis is on Earned Income Tax Credit (EIC).This is also a program providing free representation for taxpayers with low income regarding disputes with the IRS. Income guidelines vary for tax services.

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• Private Pension Benefits: Denial of pension benefits from a private employer.

• Guardianship: Adults or minor children.

• Wills, Powers of Attorney: Simple wills, inheritance and small estate problems, living wills, giving another person the right to act for you.

• Domestic Divorce: For persons who have been separated over 18 months.

• Child Custody: Visitation, child support and adoption.

• Student Representation: Provides representation to Baltimore City and Baltimore County students who are suspended from school. The family of the child must be income eligible.

Legal Aid Bureau Legal Aid provides free legal assistance to low-income and elderly persons through local offices throughout the state. They may be able to help with most civil (non-criminal) legal problems.

Some of the areas where they can give assistance include family and domestic cases, children in need of assistance (CINA), housing problems, public benefits and consumer problems. Legal Aid also assists low-income older adults with benefit problems, landlord/tenant issues, bankruptcy, utility turn-offs, employment issues and nursing home problems.

Legal Aid Bureau Offices Anne Arundel County Office 410.263.8330 Baltimore City Office

410.951.7777

Baltimore County Office

410.427.1800

Harford County Office

410.836.8202

Howard County Office

410.480.1057

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Finding Work If you are unemployed, this is probably an especially busy time for you. Job-hunting requires at least as much time and energy as working full-time. Keep a calendar to plan how to spend your time each day and track your progress.

Organization is the key to most successful job searches.

Job Search Strategies Take an Inventory This is a perfect time to take a look at your talents, skills and experiences and see what direction they point. You may want to enlist a loved one to identify strengths and deficits that you can’t see. The total picture of who you are as a professional may surprise you.

It may help to make some lists: What skills have you developed on the job?

Listing each previous job may help you organize your thoughts. Think of skills, not responsibilities.

What skills have you developed outside of work?

Think about what you have learned as a volunteer, intern, team member, group participant, parent and friend. List your hobbies and the skills you have developed to enjoy them.

How do you work?

What are your leadership and communication styles? What work habits, values, attitudes and preferences do you bring to the job? How do you learn best? What work tasks best suit your nature and your personality?

What are your limitations?

Identify times that you didn’t accomplish the job the way you wanted to. Is there a common theme?

Are these skills you can learn, or are there some tasks you should just avoid? What obstacles might keep you from being an ideal employee?

What do you need?

How much money do you ideally need to maintain your current standard of living? What is the least amount you can accept? How many hours can you work? What benefits are most essential for your life?

Hit the Library The local library is your best friend as a job seeker. The library is a terrific source for job listings via city-wide and special interest newspapers, trade papers and professional journals. It may even keep a bank of job listings as a community service.

You will also find a treasury of information about job searching, writing a résumé and cover letter, labor market updates, current salary ranges, negotiation techniques, research tactics and training or education requirements for different fields. Some locations may offer job search seminars. Librarians are skilled at guiding patrons to the tools they need, so ask for help if you feel overwhelmed.

Aside from information, libraries have technical resources like photocopiers, fax machines and, most importantly, personal computers. If you do not have Internet access at home, you might want to become acquainted with the library’s computer reservation system, time restrictions, lowest-traffic times of day and support staff so that you can set up shop.

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Learn to Surf To compete with all the other job seekers in our current economy, you will need to use both traditional and innovative methods to find out who is hiring. The Internet is a valuable tool, but it can be intimidating to pick through such a tremendous amount of information. If you want to improve your Internet saviness, find a friend who can give you guidance or look for a training class at a local community center, library, job training center, community college or senior center.

Look for job boards that apply to your field specifically. Go to the Web sites of professional or licensing organizations in your occupation and look for a job board. There are job search sites that list only nonprofit jobs, hospitality jobs, health care jobs, academic jobs or construction jobs. It also pays to be familiar with specific companies who hire locally in your field. If the company has a website, look for jobs that may not be posted elsewhere. Often, job postings are listed in the Web site’s “About Us” section.

Tell the World You’re Out There Networking is one of the most effective ways to get hired, research shows. Tell everyone you know that you are looking for work and what kind of job you want. Your union or professional associates can be priceless resources.

Talk with your friends, relatives and acquaintances – you might discover that someone at your church or an old classmate or your neighbor’s friend’s sister is looking to hire a quality employee in your chosen field.

Get Noticed Develop a résumé of your skills, education and work history. Even if you are looking for work in a field where a résumé is not customary, compile the information and use it to fill out applications neatly and thoroughly.

Include volunteer work, certifications, training, any awards or honors you have received and a list of at least three references. Be sure that you contact the people you would like to recommend you and have a sense of what they might say.

In order to stand out among other applicants, carefully craft a document that highlights your strengths and looks sharp. Anticipate the priorities each employer might have and view your résumé through that perspective. It’s a good strategy to target your résumé to each position or at least to each field in which you are looking. A cover letter should accompany your résumé detailing how your experience and talents are a good fit for the position you want. Follow up a week or so after sending a résumé by calling the organization to ask if they have questions for you.There are many ways to get help in creating a strong résumé and cover letter. Although it may seem like a simple document, résumés have “rules” and conventions that it will serve you to know. Research résumé designs in books or on the Internet. Job search and placement agencies offer workshops and one-on-one attention to help you create a résumé as well. Be sure to check if there are fees for these services, you can usually find them somewhere for free. Call 2-1-1 for job help centers near you.

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Ace the Interview The purpose of a résumé is simply to get you an interview where you will really have a chance to shine. Make sure you are well prepared for the interview. Your answers will be more focused and you will feel less nervous.

• Dress appropriately, be well groomed and on time (or ten minutes early).

• Bring an extra copy of your résumé or application and a list of references.

• Do some research about the organization. Know what you can about its history, mission, values, priorities and challenges. Think about what makes you the right person to fit into that picture.

• Have some questions prepared and be direct.

Think of the interview as an equal conversation so that everyone can evaluate whether this position is a good match for you. Part of the purpose of the interview is for you to decide whether this is a place you want to work.

• Practice the interview with a friend, or better yet, a job counselor.

• Send a note as soon as you leave the meeting to thank the interviewer for their time and • Become familiar with the job duties listed in the consideration. posting and plan how you will talk about your skills in each area. Your job in the interview is to • Remember that if you don’t get the job, going on convince the interviewer you have the an interview is a brave thing to do, a positive step competence to do the job and you are and good practice for the next one. enthusiastic about doing the work.

• Be friendly and honest. Try to appear alert, confident and relaxed.

Stay Motivated Find ways to avoid getting discouraged while you are looking for work. Job markets are sluggish and opportunities are scarce in the current economy. It can be emotionally draining to comb through job listings, send résumés and put yourself out there when you know you are being evaluated against others. Make a conscious effort to stay engaged.

1. Keep up with news and advances in your field.

2. Volunteer for a community project. This is a rewarding way to stay connected, meet like-minded people, keep your skills sharp, help people in need and promote your self-esteem through meaningful work. Call 2-1-1 for information on volunteer opportunities.

3. Find work through a temporary employment agency.

Temporary jobs can give you an opportunity to develop new skills and make possible job contacts.

4. Consult a job counselor, go to a résumé workshop and practice interviewing so that you’re ready when an opportunity is presented.

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What Services Do Employment Assistance Centers Offer?

Anne Arundel County Glen Bernie One-Stop Career Center 7480 Baltimore-Annapolis Boulevard Glen Bernie, MD 21061 Phone: 410.424.3240

Counseling To minimize the hardships you may face during this period, personal and financial counseling may be provided along with career counseling.

Assessment and Testing An evaluation of your current work skills to determine your capabilities and training needs may be available.

Job Placement The program can provide job development, referral, placement and labor resources information to expand your work search efforts. The Maryland Job Service offices below provide access to local, statewide and national job opportunity listings.

Job Search Assistance Many job seekers need ongoing assistance to develop job leads, create rĂŠsumĂŠs and cover letters and to network with other job seekers.

Adult Enrichment Education Adult education programs and services, as well as information and referral services, are available to help you prepare for the General Education Development (GED) exam if needed.

Re-training Information about occupational skills training, entrepreneurial training and onthe-job training may be obtained to help you qualify for other employment opportunities.

Re-training could make you more marketable to the employers.

Support Services Many times, individuals need assistance to meet daily child care demands, transportation costs and other basic maintenance needs. Ask about services that may be available to help individuals stay in training programs or keep a newly acquired job.

Baltimore County Eastpoint Workforce Development Center 7930 Eastern Boulevard Baltimore, MD 21224 Phone: 410.288.9050

Community Resource Center 80 West Street Annapolis, MD 21401 Phone: 410.269.4429

Office of Workforce Development 105 Chesapeake Avenue, Suite 300 Towson, MD 21204 Phone: 410.887.2008

Arnold Station 1460 Ritchie Highway, Suite 205 Arnold, MD 21012 Phone: 410.793.5635

Workforce Development Center 11101 McCormick Road, Suite 102 Hunt Valley, MD 21031 Phone: 410.887.7940

Center at Arundel Mills 7000 Arundel Mills Circle Hanover, MD 21076 Phone: 410.777.1845

Baltimore City Maryland State Job Service (Baltimore Works) 1100 N. Eutaw Street, Room 101 Baltimore, MD 21201 Phone: 410.767.2148 Northwest Career Center Mondawmin Mall 2401 Liberty Heights Avenue, Suite 302 Baltimore, MD 21215 Phone: 410.523.1030 One-Stop Career Center 3001 Madison Street Baltimore, MD 21205 Phone: 410.396.9030

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Carroll County Business & Employement Resource 224 North Center Street Westminster, MD 21157 Phone: 410.386.2820

Harford County Aberdeen Workforce Center 34 North Philadelphia Blvd., 3rd Floor - Aberdeen Community Service Building Aberdeen, MD 21001 Phone: 410.272.5400 Bel Air Workforce Center 2 S. Bond Street, 2nd Floor - Mary Ristean Building Bel Air, MD 21014 Phone: 410.836.4603

Howard County Columbia Workforce Center 7161 Columbia Gateway Drive, Suite D Columbia, MD 21046 Phone: 410.290.2600

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Counseling To Help You Through Living through a financial crisis can be painful, both for you and your family. Family members may argue and blame one another. There may be an increase in alcohol or substance abuse and problems may seem unsolvable.

If worry and conflict take over and coping becomes difficult, there are a variety of mental health services available.

Crisis Response Teams are trained professionals who work with people in immediate mental health crisis. Each of these agencies also have a mobile crisis unit which goes to a caller's location to assess and stabilize his/her situation.

Anne Arundel Crisis Response Affiliated Sante Group 24-hour Warmline 410.768.5522 Trained crisis counselors evaluate each caller's situation and make referrals to appropriate helping organizations. A mobile crisis unit (a team of mental health professionals) is available to go to a caller's location to assess his/her situation.

Baltimore City Crisis Response 24-hour Hotline 410.433.5175 Provides 24-hour information and referral hotline to adults, ages 18 and older, who are experiencing a mental health crisis. Mobile crisis team consists of mental health professionals and case associates who respond to emergency mental health crises seven days a week from 8 a.m. to 10 p.m.

Baltimore County Crisis Response 24-hour Hotline 410.913.2214 A 24-hour listening service that provides support and offers resources ranging from outpatient providers to crisis beds and hospitalization, as well as non-mental health resources. Provides brief, crisis stabilization services in home Monday-Friday. Mobile Crisis Team works with the county police to assess, triage and stabilize situations involving mental health issues.

Mobile Crisis of Harford County Hotline: 410.638.5248 Provides emergency mental health assessments, referrals to mental health resources, hospital admissions, critical incident stress management services (if required) and urgent psychiatric appointments (if needed).

Howard County, Grassroots Crisis Intervention Hotline: 410.531.6677 Maryland Crisis Hotline 1.800.422.0009 Grassroots Crisis provides a 24-hour crisis intervention and referral hotline and walk-in counseling to anyone. Certified suicide prevention center.

Other counseling resources: Family & Children’s Services of Central Maryland Phone 410.366.1980 Provides services to families to help with parent/child issues, single parenthood, child sexual abuse, family violence, teen parenting, relationship disruption and elder care/care-giving.

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The Family Tree Phone: 410.889.2300 Family Stressline: 1.800.243.7337 Provides 24-hour crisis intervention information and referrals for parents, teens, children, teachers, parents anonymous support groups, positive parenting programs, children’s programs and more. Committed to eliminating child abuse and neglect by supporting, educating and nurturing individuals, families and communities.

Core Service Agencies Your local mental health agency can provide information about mental health services in your area.

Anne Arundel County Mental Health Agency

410.222.7858

Baltimore Mental Health Systems

410.837.2647

Baltimore County Bureau of Mental Health

410.887.3828

Carroll County Health Department

410.857.5000

Core Service Agency of Harford County

410.803.8726

Howard County Mental Health Authority

410.313.7350

RED FLAGS Are you dealing with these symptoms?

• • • • • • • • •

Sad or irritable mood most of the day, almost every day for at least two weeks.

Loss of interest or pleasure in activities (such as hobbies, work, sex, or being with friends) A sudden weight gain or loss, or a change in appetite Inability to sleep or sleeping too much Agitation or restlessness that others notice Constant fatigue or loss of energy nearly every day Frequent feelings of worthlessness or inappropriate guilt Difficulty concentrating or making decisions Frequent thoughts of death or suicide

If so, you may be experiencing clinical depression. It’s time to talk to a counselor and get some help.

You deserve to feel less hopeless and more capable, worthy, and able to go on. Admitting depression is not weakness. It’s not your fault and you can feel better.

If you have thoughts of killing yourself, call the National Suicide Prevention Helpline 1.800.273.TALK It’s anonymous and confidential, 24 hours a day.

You deserve help. Don’t give up.

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Money-Stretching Strategies Reduce Housing Costs: • If you rent, talk to your landlord about your situation. Ask if you can exchange cleaning, yard work, repairs or other labor for part of your rent. See if they will waive the fee if you are going to be late on a payment.

• If you have a mortgage, look into refinancing. See the section on “Avoiding Foreclosure” in this booklet for more information.

• You may eventually need to find a cheaper place, but be aware of the costs associated with moving. Though there may be money out there to help avoid eviction, you are unlikely to find community fund assistance for a security deposit.

Reduce Food Costs: • Consider food purchases very carefully, and select highly nutritious foods. High-protein foods keep you satisfied longer than starchy foods. You may save money if you cut down on the amount of meat, soda, prepared foods and snacks you buy. It can also help to plan meals that produce leftovers.

• Make some “grab and go” snacks and lunches when you have time so that you don’t buy lunch just because you are in a rush.

• Use the Internet as a resource (most libraries have free access if you do not have a computer). Go online and search for “Thrifty Meals.” Many other people are also thinking about how to save, use their experience to spark ideas.

• Use coupons and look for store specials. The Internet can help you find the best deal.

• Have potluck dinners with friends and family instead of going out.

• Research local farmers markets, food co-ops and Community Supported Agriculture (CSA) farms where you can get vegetables inexpensively.

• Join the SHARE Food Network (See page 10). SHARE is a buying collective that allows anyone, regardless of income, to get a package of food at about half of the retail value.

Call 800.217.4273 or visit www.sharedc.org Reduce Energy Costs: • Replace light bulbs with lower wattage energy-saver bulbs. According to the U.S. Department of Energy, substituting Compact Florescent Light bulbs (CFLs) for traditional lighting can save $30 over the life of the bulb.

• Use your washing machine, dryer and dishwasher only when you have a full load. Wash with cold water and air-dry when possible.

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• Consider whether you need to use an appliance before you turn it on. Try to do the dishes by hand, let your hair dry on its own, consolidate frozen food in one place and sweep rather than vacuum. Make it a game to use the least energy.

• Lower the thermostat on your hot water heater to 120 degrees and wrap it in a thermal blanket.

• Close air vents in rooms you don’t use.

• Seal your windows and doors and look for other ways to weatherize. Adding insulation to your home may save you money in the long run.

• Lower your thermostat during winter months, avoid using air conditioning in the summer and dress accordingly. The U.S. Department of Energy estimates that you can save 3% to 6% of your utility costs for every degree of heating or cooling energy you conserve. Space heaters and fans can also save you money.

• Turn off lights and appliances when not in use. Unplug them if you are away.

Reduce Your Bills: • Be sure all your bills are truly necessary. Use your local library for free movies, compact disks, tapes and books, as well as free internet access.

• Switch your phone service to a money-saving rate plan. Consider using a shared cell phone instead of individual lines. Think about whether you still need a land line.

• Eliminate unnecessary calls and take advantage of lower evening and weekend rates.

• Cancel phone features like “call waiting.”

Other Ways to Save: • Eliminate unnecessary car trips. Combine errands and plan your route.

• Walk, ride a bike, carpool or take public transportation whenever possible.

• Make “personal gift certificates” for services you can give instead of spending for gifts.

• Avoid shopping malls to reduce impulse buying. TV commercials can also make you want things you don’t need.

• Make your own repairs around the house or barter with a friend or neighbor.

• Try to recycle almost everything. Re-do, make it over, trade it in, improvise it or skip it.

• Join Freecycle, an online bulletin board where community members post items they no longer want instead of throwing them away. There are nearly 50 groups in Maryland.

Check out www.freecycle.org.

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Creative Income: • Check in with everyone in your household to see if anyone can get a job or a second job.

• Consider part-time work while you are looking for something better. Some places are almost always looking for new workers. Try out a paper route, deliver phone books, serve in coffee shops or restaurants, work at a grocery or discount store, canvass for petition signatures, be a tutor or a tour guide.

• Become an entrepreneur with the skills you have. Can you style hair, give manicures, clean houses, detail cars, sew alterations, translate documents, bake bread, watch children, fix computers, shovel snow, mow lawns, type term papers or give music or art lessons? Someone, somewhere is willing to pay you for it. Put the word out through you personal networks, put a notice in the paper or post an ad online.

• Are you crafty? Selling what you make is easier than ever, and the number of people who are looking for handmade goods is growing.

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Keeping Your Spirits Up Unemployment can be intensely stressful. Losing your job can affect your self-esteem and force you to make painful adjustments to your daily routine. You have truly experienced a loss, and may be dealing with grief ranging from mild sadness to depression that can seem paralyzing. Feelings of rage or terror might surface. You may even find yourself striking out at family and friends, or arguing about insignificant issues. You may feel out-of-control, or like you have no reason to go on. Denial, anger, depression and fear are all normal and understandable responses to this difficult situation.

Listen to yourself and accept your feelings. Talk about your loss. Sharing your worries with others may help you gain the emotional bravery you need to keep going. However challenging, complicated, or frustrating your experience, make an effort to reach out for help and support. Talk with others who have gone through a similar experience. You may wish to speak in confidence with a professional counselor or participate in a support group. Call 2-1-1 for help finding free or low-cost support for your mental health.

Even though it can be very difficult to do, accepting your situation and taking positive action to bring about change will put you in the best possible position to solve your problems quickly and effectively.

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Coping Strategies Until you find a new job, there are things that you can do to help overcome stress and anxiety.

Stay Busy. This time away from the workplace is an opportunity to do many of the things you’ve been putting off: repairs around the house, gardening, organizing your closet or catching up on paperwork. You will feel more capable if you accomplish something, even if it’s baking a cake rather than earning a promotion. It will probably help just to get out of bed and be purposeful.

Take it One Day at a Time. Set small and specific goals. Try not to blame yourself for losing your job – “reframe” the event as a learning experience and forgive yourself. Use positive self-affirmation to soothe difficult moments: “I can handle this, I am a good person going through a hard time, I am doing the best I can in bad circumstances”. Make small promises to yourself and keep them.

Exercise. Though it can be hard to make yourself get up and move, exercise is an excellent way to release tension and feel strong. Studies show that exercise can be more effective than medication in treating some kinds of depression. It will also keep you healthier so you can save on doctor bills.

Reflect. Take a look at your life and think some deep thoughts. Look at your career goals, financial goals, personal goals, perhaps even spiritual goals. Make a list of ways you want to grow and things you want to accomplish during your lifetime. Think about who you really want to be and how you might get there.

Have Some Fun. There are many recreational activities that offer free or low cost entertainment available in central Maryland. Check your local newspaper or the internet for announcements of upcoming events; call your local library, community center, or parks and recreation department in your county.

Be with Your Loved Ones. This can be an important chance to reconnect with the people who mean the most to you. Enjoy each others’ company, make an effort to play games and have fun. Be honest about your worries and take time to listen to their fears. The problems you are facing affect them too -- even small children can sense tension in the family, and it will be a relief to everyone to get it out in open. Rally the troops and stick together.

Volunteer your time to a community project. Volunteering may turn out to be the stepping stone to a new job, as well as boost your self-worth by helping someone else.

Get Support. Stay in touch with friends and relatives. Let them know how you are doing regularly, and ask for the help you need. Talk to a counselor or spiritual leader if you feel like you’re losing hope. Sometimes the healthiest thing you can do it to let people take care of you.

These self-care tips were reviewed and endorsed by Pat Hanberry, CEO of the Mental Health Association of Frederick County.

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Dial 2-1-1 to find the help you need.

If you cannot reach us through 2-1-1: Greater Baltimore area 410.685.0525 Toll-free 1.800.492.0618 (statewide) TTY 410.685.2159 weekdays 8:30am-4:45pm (for hearing impaired) or visit www.211md.org

United Way of Central Maryland 100 South Charles Street, 5th Floor PO Box 1576 Baltimore, MD 21203-1576 Phone 410.547.8000 www.uwcm.org

UPDATED 06/21/2011 (SDM)