I once had to handle some unplanned dental work. A toothache isn’t pleasant for anyone — and neither is the bill that comes with fixing it.
That month my spending exceeded my usual budget by roughly $2,000, putting my ability to cover other essential costs, including rent, at risk. I wasn’t sure what I would do until I discovered an organization called Modest Needs.
Modest Needs is a charitable group that awards modest grants to people who are generally able to meet their financial obligations but are temporarily unable to because of unforeseen events like a medical or dental emergency, death in the family, unexpected job loss or a large utility charge.
If you need a bit of short-term assistance, Modest Needs might be able to provide support.
Who Qualifies for Assistance?
Modest Needs focuses on issuing Self-Sufficiency Grants to those who don’t qualify for other public aid, as well as to active duty military personnel, veterans returning from service, public school teachers and first responders, though they accept applications from anyone who’s struggling.
If you’re eligible, they’ll help with an unforeseen or emergency expense, such as an unexpected medical bill, legal fees to finalize an adoption or the cost to replace a major household appliance.
They’ll also assist with monthly bills you can’t pay because of a documented hardship, like my rent when I had to cover unexpected dental surgery.
Modest Needs only evaluates requests for expenses that are considered essential to the household, such as rent, electric or gas bills; the purchase of eyeglasses; or urgent medical care. They do not fund internet, cable or phone charges; state or federal taxes; personal loans; rental or utility deposits; bankruptcy expenses; or credit card balances.
Applicants do not receive cash, gift cards or any direct payment — Modest Needs pays vendors directly, for example your landlord or medical provider.
How Does Modest Needs Operate?
Modest Needs does not rely on government grants or large philanthropic foundations. Instead, the money comes from everyday people who want to help a neighbor in need. Potential donors can view applications on the website, and if they choose to support someone they like, they donate an amount they select. Gradually, contributions accumulate until the request is fully funded.
How Do I Apply?
The application is straightforward, although you’ll need your most recent tax return and a current bank statement for some of the fields. In the final section you’ll be asked pointed questions about your emergency and circumstances. Be as detailed as you can here: everything is kept confidential and it helps make your case more compelling.
You’ll be required to submit documentation showing you’re genuinely in need, such as pay stubs, the outstanding bill (for example a notice from your landlord or an overdue utility statement), your latest tax return and proof of identification. You can upload these documents to the website or fax them to Modest Needs.
If you’re struggling to make ends meet this month, Modest Needs might be able to offer a lifeline.
Riley Morgan is a contributor to Savinly.
