In all areas of my life.

FOOD

Find your nearest food bank or mission, for food

grocery stores with free samples, bakeries + stores with day-old bread

different fast food outlets have cheaper food and will generally let you hang out for a while.

some dollar stores carry food like cans of beans or fruit

SHELTER

Sleeping at beaches during the day is a good way to avoid suspicion and harassment

sleep with your bag strapped to you, so someone can’t steal it

Some churches offer short term residence

Find your nearest homeless shelter

Look for places that are open to the public

A large dumpster near a wall can often be moved so that flipping up the lids creates an angled shelter to stay dry

HYGIENE

A membership to the YMCA is usually only 10$, which has a shower, and sometimes laundry machines and lockers.

Public libraries have bathrooms you can use

Dollar stores carry low-end soaps and deodorant etc.

Wet wipes are all purpose and a life saver

Local beaches, go for a quick swim

Some truck stops have showers you can pay for

Staying clean is the best way to prevent disease, and potentially get a job to get back on your feet

Pack 7 pairs of socks/undies, 2 outfits, and one hooded rain jacket

OTHER

first aid kit

 sunscreen

 a travel alarm clock or watch

 mylar emergency blanket

 a backpack is a must

 downgrade your cellphone to a pay as you go with top-up cards

 sleeping bag

 travel kit of toothbrush, hair brush/comb, mirror

 swiss army knife

Aries: Gemini, Leo, Virgo, Sagittarius

Taurus: Cancer, Virgo, Scorpio, Capricorn

Gemini: Leo, Libra, Sagittarius, Aquarius

Cancer: Taurus, Scorpio, Capricorn, Virgo

Leo: Gemini, Libra, Sagittarius, Pisces

Virgo: Aries, Taurus, Cancer, Scorpio

Libra: Gemini, Leo, Sagittarius, Aquarius

Scorpio: Aries, Taurus, Scorpio, Pisces

Sagittarius: Aries, Libra, Aquarius, Pisces

Capricorn: Taurus, Pisces, Libra, Scorpio

Aquarius: Gemini, Leo, Sagittarius, Virgo

Pisces: Scorpio, Taurus, Cancer, Sagittarius

Talk to people when things go to shit.

I don’t just mean get it off your chest, although that’s good. I mean: Something’s wrong with your paycheck/you lost your job/you had unexpected emergency car repairs and now you’re broke so your credit card payment is late. Like, not just 15 days late. We’re talking, shit got crazy and now you’re 90 days late with compounded interest and late fees and the Minimum Payment Due is, like, $390, and you’ve got about $3.90 in your bank account. Call the credit card company. 

I know it’s scary. I know you feel like you’re going to get in trouble, like you’re gong to get yelled at or scolded for not having your life together. But the credit card company isn’t your parents; they’re just interested in getting money from you. And you can’t squeeze blood from a stone or money from someone who doesn’t have any. So what you do is you call them. You explain you’re experiencing temporary financial hardships, and you’re currently unable to bring your account up to date, but you don’t want to just let it get worse. Can you maybe talk to someone about a payment plan so you can work something out? Nine times out of ten you’ll be able to negotiate something so that at least it’s not just taking a constant, giant shit on your credit score.

- Can’t pay your power bill? Call the power company.

- Can’t pay your full rent? Talk to your landlord.

- Had to go to the hospital without insurance and have giant medical bills looming in your place? Call the hospital and ask if they have someone who helps people with financial hardships. Many do.

- Got super sick and missed half a semester of class because flu/pneumonia/auto-immune problems/depressive episode? Talk to your professor. If that doesn’t help, talk to your advisor.

You may not be able to fix everything, but you’ll likely be able to make improvements. At the very least, it’s possible that they have a list of people you can contact to help you with things. (Also, don’t be afraid to google things like, “I can’t pay my power bill [state you live in]” because you’d be surprised at what turns up on Google!) But the thing is, people in these positions gain nothing if you fail. There’s no emotional satisfaction for them if your attempts at having your life together completely bite the dust. In fact, they stand to benefit if things work out for you! And chances are, they’ll be completely happy to take $20 a month from you over getting $0 a month from you, your account will be considered current because you’ve talked to them and made an agreement, you won’t get reported to a collections agency, and your credit score won’t completely tank.

Here’s some helpful tips to keep in mind:

1. Be polite. Don’t demand things; request them. Let me tell you about how customer service people hold your life in their hands and how many extra miles they’ll go for someone who is nice to them.

2. Stick to the facts, and keep them minimal unless asked for them. Chances are they’re not really interested in the details. “We had several family emergencies in a row, and now I’m having trouble making the payments” is better than “Well, two months ago my husband wrecked his bike, and then he had a reaction to the muscle relaxer they gave him, and then our dog swallowed a shoestring and we had to take him to the emergency clinic, and just last week MY car broke down, and now my account’s in the negatives and I don’t know how I’m gonna get it back out.” The person you’re talking to is aware shit happens to everyone; they don’t need the details to prove you’re somehow “worthy” of being helped. They may ask you for details at a certain point if they have to fill out any kind of request form, but let them do that.

3. Ask questions. “Is there anything we can do about X?” “Would it be possible to move my payment date to Y day instead so it’s not coming out of the same paycheck as my rent?” The answer may be “no.” That’s not a failure on your part. But a good customer service person may have an alternate solution. 

PITACOS - Pita Bread Tacos with Minced Beef and Beans

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