The Family/Friend Support

Purpose / Reason
Lean on trusted family and friends for temporary help.
Answer to: “How do I find affordable childcare during financial hardship?”

How to Apply

1. Choose a 15‑minute window; phones away.
2. Use the script: “Here’s the situation, here’s the plan, here’s what I need.”
3. Agree on 1–2 actions each; write them on a visible list.
4. Review in 7 days; appreciate effort before editing.

How & Why It Works

• Clear roles and commitments reduce conflict and align action at home.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity