help with electric bill

How To Get Help With Electric Bill Costs During The Winter Holidays

With Thanksgiving and Christmas coming up, the winter holidays can be an expensive enough time as it is. However, the temperature – and your need for help with electric bill costs – also plummets. This means that you need to spend more cash to heat your home. As a result, a lot of people may need help with electric bill costs during the winter holidays. Here are some options available to you.

Remember These Options When You Need Help With Electric Bill Costs

Utility Bill Payment Assistance

In Mississippi, the state government has a variety of utility bill payment assistance programs available. These payment assistance plans are designed for those that are on low incomes and may be struggling to cover the costs of their electric and other utility bills. If you need help with electric bill because you are claiming certain benefits, or you are not in employment, then this may be one of the better options.

You will be surprised at how relaxed the requirements to qualify for help are. After all, the state really doesn't want people to freeze to death. Do bear in mind that these programs are only for those that have a genuine need for cash. You can't spend your cash frivolously and expect the government to cover utility bills for you.

Charity Assistance

Just like government assistance programs, there are some charities in Mississippi that may be able to assist with electric and other utility bills. However, do bear in mind that these programs are only going to be for the people that really do need the cash. Many of them are going to be focused on:

  • The unemployed;
  • Families;
  • Seriously ill people
  • The elderly.

You may find that assistance is very limited during the winter months, particularly in the wake of the Covid-19 pandemic. A lot of people are on limited income due to this. Obviously, charities have limited cash, so you can't really rely on this all the time.

Ask Friends And Family

If you have friends and family members, they may be able to provide you with a bit of cash to get through the winter. Of course, they will likely expect you to pay it back. This should not be a long-term solution. We can't imagine that there will be people that are thrilled to have you come to them each and every month asking for help with electric bill costs. This means that you will likely need to look into alternative options.

Talk To Your Electric Provider

Chances are that your electricity is not going to be shut off the second you miss a bill. It is highly unlikely to happen during the winter months. Instead, there will be issues if you miss a bill. It will be highlighted on your credit report, and you may have late payment charges.

If you know that you are going to be late making a payment to your electric provider, then we suggest that you reach out to them. Let them know that you are struggling a little bit, and let them know when you expect to be able to make a payment to them.

Unless you make it a habit of missing your electric bill payments, the company is going to be more than understanding since they are people too. They know just how tough it can be to get through the winter months. You may not be able to avoid some of the marks on your credit score, but some of these companies may reduce or eliminate late payment fees if you tell them in advance.


payday cash advance


Use A Payday Cash Advance To Help Pay Bills

If you have exhausted all other options and still need help with electric bill, then a payday cash advance from Mississippi Title Loans, Inc. could be an option. Here at Mississippi Title Loans, Inc., we can loan between $100 and $400. The exact amount you can borrow will be dependent on your income.

While employment income is preferable, we may also be able to consider those with other sources of income if you have the appropriate paperwork. We can also consider people with both good and poor credit. A Mississippi payday loan inquiry can be completed in as little as thirty minutes, and you may be able to receive the cash that you need the same day. Our process is designed to be swift because we know that you will want those electric bills paid off quickly.

Just fill out the online form and then bring your required items to the nearest payday loans near me. You must have your state-issued ID or driver’s license, your most recent pay stub, and a blank check from an active checking account in your name. We will assess everything and decide if you qualify for approval. If you do, you can get the money either the same day or the next bank business day.

Get The Help You Need With Electric Bill Costs Today

Need help with electric bill costs? It is worth it to your finances to remember these tips. And while these are reliable ways to help get your bills paid, they may not always be open to everybody. This is when a payday cash advance could be an option to help you out. Fill in a short inquiry form on our website today if you are interested in a payday loan. 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.