Thats where grants come in.

you’re able to apply now while the questions about the new legislation get ironed out.

Probably not as good as youd like.

A writer poses for a portrait.

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

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

Ask one of these companies to help…

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The ASJA is a membership organization open to nonfiction freelance writers.

In 1987, it established theWriters Emergency Assistance Fund.

Did you know?

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Applicants should be career writers from a wide array of fields.

Writers in advertising or public relations arent eligible.

The organization accepts emailed and faxed applications, but it recently launched anonline program portal.

Be ready to answer a questionnaire on your published work, taxable income and other emergency circumstances.

Corroborating documents arent required to apply, but including them up front should speed your tool along.

Applications are available for download after youregister an accounton the website.

When you receive your requested amount, the founders ask that you remove your name from the list.

Approved applicants will receive grants for $500 or $1,000.

(Dramatists and other musical theater writers should apply for aid through theDramatists Guild Foundation.)

PEN America isaccepting applications through Submittable.

Grants are distributed through PayPal.

A PEN membership isnt required, though members may get priority.

The finer details are still being hammered out on a state-by-state basis.

Pesce is a CPA and a partner at Marcum, a public accounting advisory firm.

Thats the only way youll learn.

Adam Hardy is a staff writer at The Penny Hoarder.

He covers the gig economy, entrepreneurship and unique ways to make money.

Read his latest articles here, or say hi on Twitter@hardyjournalism.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…