It can be heartbreaking when you cannot afford to purchase a simple toy for your child at Christmas. Children don't understand, when you are broke, they just want to be like everyone else. There are wonderful charitable organizations that love you and your family and want to give your children a gift for Christmas. Find out who these organizations are and how to apply.

Many working people, have to go without dental and medical insurance, because they cannot afford it. As a result you health and appearance can be affected. The good news is there are dedicated dentists who are willing to donate their time to treat people who cannot afford the care they need. Find out where you can get to the dentist for free, or a huge discount.

The government is giving away free cell phone plans to disadvantaged Americans and residents who qualify financially. Even if you don't qualify for a no-cost phone, they offer paid plans for very reasonable rates. If you are unemployed, working but still considered low-income, find out how to apply and qualify for this amazing benefit program.