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🥶 We're entering some of the coldest days of the year, which may be stretching your utilities budget. If you're having trouble affording your utility bill, here are a few tips: 1: Contact your utility company to explore long-term payment plans and assistance programs. 2: Contact religious organizations in your area about their emergency aid services. A local chapter of the Salvation Army, Catholic Charities, Lutheran Social Ministry, Vincent de Paul Society, or Jewish Federation of North America may be able to help you pay your bill. 3: Call 211 to see what programs you may qualify for, like the Low Income Home Energy Assistance Program (LIHEAP).