Check Out

I just found out about throught this post by my blogging friend Ricemutt over at Experiments in Finance. Modests Needs’ mission is to:

To prevent otherwise financially self-sufficient individuals and families from entering the cycle of poverty, when this might be avoided with a small amount of well-timed financial assistance;

To restore the financial self-sufficiency of individuals who are willing to work but are temporarily unable to do so because they do not have the means to remit payment for a work-related expense; and

To empower permanently disadvantaged individuals who otherwise live within their limited means to continue to live independently, despite a temporary, unexpected financial set-back.

In keeping with its mission, Modest Needs offers the following three types of grants

Self-Sufficiency Grants

Modest Needs makes Self-Sufficiency Grants by remitting payment to a creditor / for an expense on behalf of an otherwise self-sufficient individual or family for a relatively small, emergency expense which the individual or family could not have anticipated or prepared for.

In making a Self-Sufficiency Grant, our goal is to prevent an otherwise self-sufficient individual or family from entering the cycle of poverty as a result of the financial burden posed by a relatively small emergency expense.

For example, we might make a Self-Sufficiency Grant to cover the cost of an emergency auto repair that must be made if an individual is to continue working.

Back-to-Work Grants

Modest Needs makes Back-to-Work grants by remitting payment for a small work-related fee or expense on behalf of a temporarily unemployed individual.

In making a Back-to-Work grant, our goal is to provide a willing but temporarily unemployed individual with the means to return to work.

For example, we might make a Back to Work grant to cover the cost of a professional license renewal for a temporarily displaced worker.

Independent Living Grants

Modest Needs makes Independent Living Grants by remitting payment to a creditor / for an expense on behalf of persons who are permanently unable to work but who nevertheless are living independently on the limited income to which they are entitled – their retirement income, or their permanent disability income, for example.

In making an Independent Living Grant, our goal is to empower financially responsible persons who cannot work to continue to live independently on their limited incomes, despite an unexpected expense which no conventional agency is prepared to address.

For example, we might make an Independent Living Grant to cover the cost of maintenance on a piece of accessibility equipment not covered by Medicaid, to cover an unexpectedly large prescription medication co-pay, or to assist with a large summer cooling bill.

Modest Needs is not meant to be a long-term solution, but if it helps keep a person from getting sucked in by those payday loan companies, I’m ALL FOR IT! I checked out their financials and like what saw. That’s why I have put a banner for Modest Needs in a prominent position on AllFinancialMatters. So, if you’re feeling generous, consider clicking on over to and making a donation.

10 thoughts on “Check Out”

  1. Great post. I am all for organizations like this. In my opinion private organizations do a MUCH better job than the government in getting help to those in need. These grants are logical and much needed for many in our country.

  2. Ditto on the value of the post. There is so much need out there and too many organizations are inefficient. I like the style of a more personal touch with giving to this site.

  3. The college that you study may be expensive and do some research and fill up forms to get the grants, scholarships, loans and some tuition help the curriculum.

    You may get the scholarship by distinguishing yourself in the following fields such as academic, athletic, music or in any of the way. These scholarships help you in getting the money either in cash or as a tuition reimbursement in the college.

    You may also get the scholarships by attending the Reverse Officer’s Training Corp program. If you are interested in serving in the military for a certain period of years, you may also avail the scholarship from the ROTC, which can be done, only after your graduation. There are also organizations that offer scholarships; they are professional associations, religious groups and civic organizations.There are some grants available, which need not be repaid, and some of them are federal, private and state grants.

    Get more info of student grants on

  4. Hi,
    My name is Mel Lynch and I need help fast. I am on SSI and it is not enough to survive. Recently my lovely bride has thrown myself and my 3 kids out of HER house we are all homeless and are split up couch surfing.
    Please, Please HELP me get my family back together.

  5. Hello,

    My name is Marilyn Herod. I had major surgery last year. I’ve had chemo treatments this year. I’ve fallen behind in bills. I need assistance with car payment and car insurance ASAP.

    Thank you.


  6. My name is Kelly. I am a struggling, working wife & mother. My husband has been laid off for numerous mo.’s now. & I am falling behind on monthly bills. It’s hard to provide for a family of 3 off of my income. I desperately need help paying my power bill before I am disconnected. Do you have an useful advice or ideas? I’m lost. I’ve never had to ask for help like this before. TY Kelly Smith

  7. I am a mother of 5 and I lost my job 3months ago. haven't been able to find work anywhere. I started working on starting my own home private school and I just got my license for it. I just need to get pass July's rent so that I can get my school started. My rent is $985. I have a church that's willing to put $500.00 towards it. I now need to come up with $485.00 I just need some help so that I can start helping my family.

  8. i am a 25 yr. old single mother of three. i was recently laid off two weeks ago . they called me back to work friday july 10th, and i could not do so because i owe my childcare 50 dollars that i dont have due to being laid off. and now i have lost my entire job. i oew 375.00 from junes rent 625.00 from jlus rent ,wich totals to1,000.00 not including the laste fees wich is 10.00 after the 1st. then 5.00 every day after . my vehicle is in the impound and i cannot even get that out. it was suppose to be taken out on the 1st of july but i have had no funds. my vehicle is about 800.00 this cuming week. thats my transportation that i rely on every day for my children and i.i need all the help possible please help me out in any way…i need 2,000.00 to get back on my feet..

  9. I am single person that needs some help with different i need get on my feet. and looking for work and not find no yet and i need a place to stay and i need to pay rent real soon or else i will have to go.and the totals of 1,000 to get on my feet and start all of a again.

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