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If you have kids, talk to your local community center about their drop-in programs. Some Community Centers offer low-cost or free programs for kids.  You may even be able to find free activities for your kids to attend, as well as support groups for people struggling to make ends meet. If you can't find any programs, ask a family member or close friend if they are willing to help you with your kids. If you're struggling with changing your financial behavior, seek help from a Financial Opportunity Center (FOC).x An FOC will help you increase your income and decrease your expenses. FOCs work with low-income individuals to help them overcome poverty and secure financial independence. Don't let poverty isolate you from your community. It's important to be a part of a supportive community when things get tough.  Being a part of a community will encourage you to stay on track and meet your goals. Find ways to engage with your community in a meaningful way, such as through support groups, social events, and learning circles. If you're struggling with getting out of debt, it may be helpful to get some financial advice. While getting help from a credit counseling organization may not be free, they may be able to help you get on your feet.  When searching for help, avoid scams. If you find an organization that you want to do business with, make sure they are legitimate. Pay attention to any contracts or paperwork involved.  Check with your state Attorney General to verify the legitimacy of any credit counseling organization. You can also check with local consumer protection agencies. If consumers have filed complaints with the organizations, look into them. Just because you can't find complaints, doesn't mean the organization is legitimate.  Conduct an interview with any potential candidates. Ask what services they offer, what their fees are, and what qualifications they have.  Make sure that the organization provides resources for you to get out of debt, such as debt management classes and budget counseling.
Ask for help with child care. Get help from a Financial Opportunity Center. Surround yourself with positive people. Get credit counseling.