Financial Assistance for the Holidays: A Quick Guide

A pile of gifts under a Christmas tree

The holidays can be a time of financial stress for many families. The cost of food, gifts, and travel can add up quickly. If you're struggling to make ends meet this holiday season, there are several resources available to help you.

Government programs
The government offers a few programs that can help you with your holiday expenses. These programs include:

  1. Supplemental Nutrition Assistance Program (SNAP): SNAP provides food assistance to low-income individuals and families. You can use SNAP benefits to purchase food at grocery stores and other participating retailers.
  2. Special Supplemental Nutrition Program for Women, Infants, and Children (WIC): WIC provides food assistance, nutrition education, and breastfeeding support to pregnant women, new mothers, and infants and children under the age of 5.
  3. Low Income Home Energy Assistance Program (LIHEAP): LIHEAP provides financial assistance to low-income households to help them pay their heating and cooling bills.
  4. Temporary Assistance for Needy Families (TANF): TANF provides financial assistance to low-income families with children.
  5. Earned Income Tax Credit (EITC): The EITC is a tax credit that can help low- and moderate-income working families.

To apply for government assistance programs, you can visit your local government office or apply online.

Nonprofit organizations
There are many nonprofit organizations that help people in need during the holidays. These organizations may provide gifts, food, or financial assistance. Some popular ones include:

  1.  The Salvation Army 
  2.  Toys for Tots 
  3.  The United Way 
  4.  Goodwill Industries 
  5.  The American Red Cross 
  6.  National Coalition for the Homeless 
  7.  National Council of Jewish Women 
  8.  Catholic Charities USA 
  9.  Habitat for Humanity 
  10.  Lutheran Social Services 
  11.  Islamic Relief USA 
  12.  Feeding America 

To find a nonprofit organization in your community that offers holiday assistance, you can search online or contact your local government office.

Community resources
Many communities offer holiday assistance programs, such as food banks, toy drives, and coat drives. You can find information about local holiday assistance programs by contacting your local government office or a nonprofit organization in your community.

Other resources
In addition to the government programs and nonprofit organizations listed above, there are a number of other resources that may be able to help you with your holiday expenses. These resources include:

  • Religious organizations: Many religious organizations aid their members during the holidays. Contact your religious organization to see if they offer any holiday assistance programs.
  • Employers: Some employers offer holiday assistance programs to their employees. Contact your employer to see if they offer any holiday assistance programs.
  • Lenders: Some lenders like Personify Financial offer personal loans and other financial products to help people with their holiday expenses. Make sure you understand the terms and conditions of the loan before you borrow any money.


Here are some additional tips for finding and applying for financial assistance for the holidays:

  • Start early. Many holiday assistance programs have limited funding and applications are accepted on a first-come, first-served basis. Start your search for holiday financial assistance as early as possible to increase your chances of being approved.
  • Do your research. There are many resources available to help you find holiday financial assistance. Take some time to research your options and find the resources that are right for you.
  • Ask for help. Don't be afraid to ask for help from your friends, family, or community members. They may be able to point you in the direction of resources that can help you.
  • Be organized. When you are applying for holiday financial assistance, it is important to be organized. Compile all the required documentation in advance so that you can submit a complete application.
  • Follow up. Once you have submitted your application, follow up with the program to check on the status of your application. This will help ensure that your application is processed correctly and that you receive the assistance you need.


Remember, you are not alone. If you're struggling to make ends meet this holiday season, please don't be afraid to ask for help. There are many people who care about you and want to help you make this a happy holiday season. Also, do reach out to the resources listed above for assistance.

The material presented here is for informational purposes only and does not represent specific financial advice to you or your circumstances personally.