Time and time again we hear people say they can’t save anything for an emergency fund. And while that is very true in some cases, I also like to ask, what services and programs are you accessing? Have you looked into local food shares, food banks or clothing share programs? Most community based (and volunteer staffed) safety net programs don’t require intense (or any) qualification. Your personal statement of need is usually enough. And while many feel like these are only for the people in the W