We talk about the importance of having a well-stocked emergency fund and wiggle room in your budget.

Thats the ideal, but living paycheck to paycheck without a savings cushion is a reality for millions.

Various charities and private companies have stepped up to provide help to those in need.

People volunteer at a food pantry.

You just dial 211 on your phone or visit 211.org.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

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But what if your car breaks down, or you have a sudden medical bill?

Dont wait until a bill that you cant pay is due.

Click here to find your local United Way.

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Salvation Army

The Salvation Army provides aid to vulnerable populations with services like homeless shelters and soup kitchens.

Did you know?

Use thissearch functionto find your nearest Salvation Army location.

it’s possible for you to learn more about theapplication process on their website.

They can also provide information about how to apply for national food programs likeSNAPandWIC.

You cansearch for a food bankin your area via your zip code or state.

Churches and Religious Organizations

Regardless of the bang out, most churches offer assistance to those in need.

Some even help stock a place with essentials like laundry detergent and toiletries.

you might search by region for your localSt.

Vincent de Paul Society, which offers assistance with rent, food, clothing and other emergency needs.

Nicole Dow is a senior writer at The Penny Hoarder.

Deputy editor Tiffany Wendeln Connors updated this post.

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