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What can you do during this economic crisis?Almost every day the news reports that the stock market has plunged once again. Investment dollars are being lost and it is getting harder and harder to make ends meet. Not only are consumers having to pay more for goods while their investment dollars are going down, many families also face the additional challenges of income decline or even job loss, said Sissy Osteen, Oklahoma Cooperative Extension Service resource management specialist. "When things get extremely tough financially, many people simply don't know where to turn or what to do first," Osteen said. "When feelings of confusion and helplessness set in, it's time to get help immediately, before things get worse." For those who are having trouble simply paying all of the bills, let alone extra expenses such as holidays, car repairs or other expenses, contact Consumer Credit Counseling Services. CCCS has helped thousands of people learn to manage their resources, balance budgets and get out of debt. This is done through comprehensive personal finance education and credit counseling. Osteen said CCCS not only helps people with debt counseling, but also helps consumers in all stages of their financial lives and helps them take steps toward personal money management success. Osteen also suggests calling agencies such as United Way or the Salvation Army to see if there is a list of community resources. Some organizations have help lines to answer questions consumers have about where to find help for specific issues. For years the Salvation Army has been known to help families throughout the year and especially during the holiday season. It can be hard to meet financial obligations throughout the year, but the holiday season puts added pressure on bank accounts that are already stretched thin. "Call your local Salvation Army and inquire about gift assistance for your children. They also may offer food baskets to those families in need," Osteen said. In Oklahoma, ONG offers its Share the Warmth program, which is administered through the Salvation Army. It assists those who are having trouble paying their heating bills due to a financial emergency. "One thing to keep in mind is that you shouldn't be ashamed to ask for help. There are resources and agencies out there that are designed specifically to help you," she said. "On the flip side of that, individuals who can afford to help should do so. It's easy to make a monthly contribution to your gas bill that helps support the Share the Warmth program." The local housing authority may be able to help with rental assistance or temporary housing. Churches in the area often have programs to help those in need. Many communities have a food bank that can be used year around. With the holiday season upon us, it is important to know that help is available. It is also a good time to keep others in your thoughts. Be sure to make contributions to worthwhile charities in your area that can help families in your community. "Check with your local city office or the local Oklahoma Cooperative Extension Service office to help find the resources available in your area," Osteen said. "Even though times are financially difficult, it's important to realize you're not alone and there are places to turn for help." 12/8/08 Date: 12/2/08
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