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Winter heating bill helpHow to apply for energy aid Winter shutoff rulesWhen they can't cut your heat, by state Free holiday helpToys and meals: sign up early Got a shutoff notice?What to do today Find unclaimed moneyFree search, 5 minutes

Templates and tools

Call 211Local help with bills Call or text 988If you're in crisis

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Grocery list

Check items off as they go in your cart. Type your store's price to see your real total. Your list stays on this phone.

$0.00 in cart

of $0.00 list

This week's dinners

Week 1–4 lists come from the $50-a-Week Family Dinner Plan. "Pantry week" is for the end of the month when money runs low: 5 dinners for about $12 using pantry staples. Starting prices are U.S. averages (Bureau of Labor Statistics, Aug 2026) plus store-brand estimates.

Bills this month

Behind? You're not alone. Millions of families fall behind every year. One phone call before the due date can buy you time. Tap Can't pay this one? on any bill for what to say.

$0left to pay

$0paid

0bills

Can't pay them all this month?
Pay housing, utilities, food and getting to work first, then call the rest before the due date.
Which bills to pay first

Tip: tap "Add reminder" on a bill to put a monthly reminder in your phone's calendar, 2 days before it's due. Your bills stay on this phone and are never sent to us.

Letter Maker

Pick a letter, fill in a few boxes, then copy, email or text it. Nothing to print. What you type stays on this phone.

Sending in writing gives you a record. Keep a copy, and ask the company to confirm any deal in writing. These are general templates, not legal advice.

Get help

Call 211Rent, utilities, food near you Energy help1-866-674-6327

Call or text 988If you're in crisis Behind on bills?Free checklist

Help in your state

Your state

Programs and phone numbers Printable state flyer

What do I qualify for? (2-minute checker)
Winter shutoff rules in every state

Guides

Got a shutoff notice? What to do today
Which bills to pay first
What to say when you call (scripts)
Behind on bills checklist
How to apply for energy bill help
Winter heating bill help
Stay warm without turning up the heat
Lower your water bill
Free holiday help: toys and meals
How to lower a medical bill
Behind on rent
Phone and internet discount
Find unclaimed money
Lower my monthly bills (6 questions)

Downloads

Free

Budget Starter spreadsheet
Behind on Bills checklist (PDF)
Printable flyer for your state (PDF)

Kits and planners

Everything in this app is free. The kits put it all in one place, ready to print or fill in. Buying one keeps the site and this app free.

Can't afford a kit right now? Use code HELPNOW at checkout for The Hard Month Kit or the Medical Bill Rescue Kit. It makes the kit free. No email, no proof.

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