A load on the mind, a dent in your bank account, that’s what moving is capable of. There are so many expenses that need to be taken care of when you move. Things like moving supplies and moving trucks aren’t cheap. We know that managing finances in your daily life is already stressful and the added expenses of moving can make your life difficult.
However, you must know that there are several organizations (governmental and non-governmental) that will provide you with financial aid in times of need. These organizations aim to lessen the financial burden of moving by providing moving grants. If you are someone who needs financial assistance, we recommend that you go through this article to understand all about applying for moving grants.
Federal Aid for Relocation
The U.S Government ensures that each and every one of its citizens receives help whenever they are in need. There are different types of moving grants available for people stuck in various kinds of unfavorable situations.
1. Federal Relocation Assistance Program
This program is managed by The Federal Emergency Management Administration (FEMA) and the moving grants offered under this program can be availed by only certain kinds of people. Natural disasters have a tendency to wreak havoc and displace people from their homes. The Federal Relocation Assistance Program was launched for those people who had to leave their houses and move due to emergency situations like hurricanes and more. Your house must be majorly damaged by a disaster for you to be eligible for the moving grants.
To apply for this grant, you must visit their website – https://www.disasterassistance.gov/.
Then, give details about the disaster that struck your area and the damages sustained by your house. You can also call 911 if you need immediate help after the disaster strikes.
This program also provides financial aid to small business owners who might have to shift their locations due to such disasters. In addition to this, renters who are at risk of eviction can also benefit from this program. The moving grants offered by this program cover the transportation cost as well as the security deposits. Moreover, these grants also help people out when it comes to house repairs and temporary housing solutions.
If you wish to get more information on this, kindly visit their website (https://www.fema.gov/individual-disaster-assistance) or call the FEMA helpline number (1-800-621-3362).
2. Homelessness Prevention and Rapid Re-Housing Grant
The USA government has a department called the Housing and Urban Development Department that manages a moving grants program. Under this program, individuals or families that are homeless or at risk of homelessness due to eviction are given financial assistance. This program makes sure that such people are re-housed and, in some cases, people also receive rental assistance along with relocation assistance.
The moving grants offered by HUD are also available for people whose houses are being demolished or taken over for government-funded projects. You can obtain funding through this grant by approaching local housing agencies and emergency shelters. You are eligible for this grant only if you are homeless or at risk of homelessness.
You can get more details on this grant if you call the hotline number 211 or if you visit the following website https://www.ready.gov/shelter
3. Good Neighbour Next Door Grant
This grant is funded by the HUD and is available for the people who work in professions that directly help the community by providing essential services. Individuals with occupations in the fields of Law Enforcement, Teaching, Fire Services, or even Emergency Medical Services often work in a committed manner to serve society. They are the ones who are eligible for this grant. Good Neighbour Next Door Grant pays for up to 50% of your move. In the process, they relieve you of the financial burden of a move.
4. IRS Moving Expenses Deduction
This is not an actual grant, but when you look at the bigger picture, you will realize that your money is getting saved. IRS Moving Expenses Deduction allows you to deduct your moving expenses from your income, because of which you are not required to pay any taxes on this money. This deduction offer is currently available only to the members of the military, but the government has declared that it will be reinstated for other taxpayers in the year 2025.
If you want to apply for this deduction, you won’t have to fill any special forms if you claim the moving expenses on your federal tax return. It is advisable to save all your receipts and bills and maintain a note of all your moving expenses if you want to apply for it.
If you need any further information on this, you can visit the IRS website to clarify your doubts about what falls under moving expense.
Also See: IRS Moving Expense Deductions
Charitable Organizations and Religious Institutions
When you reach a dead-end and can’t think of any way to generate money for your move, you must start looking into getting moving grants from charitable and religious organizations. These organizations strive to help people who are in financial need. These organizations can reduce the financial burden and eliminate the stress associated with your move.
1. Salvation Army
Salvation Army is one of the most popular charitable organizations active in the USA. This organization strives to fulfill the basic needs of as many people as they can, without discriminating against the people based on their color, gender, or even nationality. They try and ensure that people from low-income backgrounds get basic and essential utility services. Along with providing funds for daily needs, they also launched different programs to help out people with their moving expenditure.
The Salvation Army provides people with moving grants when they are planning to move. However, it is important to remember that it only helps people who come from a low-income background. To qualify for this grant, you will have to show some kind of document as proof of your low-income status along with the documents related to the moving services required by you. If they deem you eligible for the grant, only then can you get the moving grant.
If you wish to get more information on their moving grants, you can contact them via phone (1-800-SAL-ARMY) or visit their website (https://salvationarmyusa.org/).
YWCA has been working since the 1850s and seeks to combat oppression as well as racism by facilitating the empowerment of women. They ensure that women, especially the ones who come from a low-income background, are given financial assistance when they are moving. In fact, this also applies to women who are stuck in situations like domestic violence or single parenting.
YWCA tries to raise funds to support moving expenses by working in partnership with other charities. Through these charities, YWCA can successfully reduce the cost of your move by a huge margin. To be eligible for their moving grant, you need to be living in close proximity to a YWCA office.
You can either visit their website (YWCA.org) or get in touch with them over the phone by calling their national hotline number (202-467-0801).
3. Modest Needs
Modest Needs is a non-profit organization that believes in the principles of philanthropy and tries to support those who are in need. It offers financial assistance to those who do not have enough money to rent a van or a truck for their move. This assistance is provided in the form of moving grants. This grant is a one-time grant and they can cover your expenditure of up to $1,000.
In order to qualify for this grant, you need to show some documentation to prove that you are below the poverty line and need urgent financial assistance.
Applying for this grant is very easy. You just need to create an account on their official website (https://www.modestneeds.org/) and fill some form to register yourself for a moving grant.
4. Catholic Charities
Catholic Charities USA works is a religion-associated non-profit agency that works towards the upliftment of the poor. They also try to reduce the financial burden of a move by providing people with moving grants. They aspire to eradicate homelessness by covering your moves through their stable housing programs.
If you wish to qualify for their grant, you need to be someone who is either homeless or at the risk of being homeless. People, especially women who are dealing with a situation like domestic abuse, can apply for their moving grants as well.
You can apply for their moving grants by visiting one of their local offices. You can also reach out to them by calling them directly (703-549-1390) or visiting their website (https://www.catholiccharitiesusa.org/) .
5. Housing Emergency Fund
The Housing Emergency Fund is administered by the Housing Industry Foundation under their Homelessness Prevention Program. The HIF wants to provide stable housing to the needy and prevent homelessness. This moving grant can help those people who do not have sufficient funds for moving. The Housing Emergency Fund covers up to $2,000 of your moving expenses. Every year, the HIF manages to help thousands of US citizens who are in desperate need of funds.
Employer Aid for Relocation
Private organizations generally set up ‘financial aid for relocation’ programs for their employees to help them out with the financial aspects of their move. Employees can avail the benefits of these programs mainly when their move has been sanctioned by the company. For instance, you might get a promotion or there might be a vacancy in one of the branches of the company which is located in a different town or state. In these cases, you will be eligible to apply for a moving allowance.
However, the company sometimes isn’t able to provide you with money immediately after you request it. In these cases, you will have to use your own money for the move, and then save up all the receipts and bills. The company will reimburse you for your move once you submit your bills and receipts.
Some companies cover a part of your move and some others cover the entire cost of your move. If your company is insisting on you moving, you must always try to get the company to refund the entire amount of money that you spent on your move. The moving allowance offered by your company will definitely make your life easier during a move.
Who can Benefit the Most from these Moving Grants?
1. The Low-Income Group
Families that experience difficulties while generating money for a move generally belong to a low-income group. The cost of living is already high and the additional expense of moving leads to further economic hardships. At the end of the day, the government of the country has to take the responsibility to help them out. That’s why the government and even non-governmental organizations try to provide these families with financial assistance.
If you are someone who falls into the low-income category, you can seek financial assistance through various programs. These programs are run by different housing agencies, NGOs, charities, federal agencies, and religious organizations as well. All you need to do is figure out what grant works the best for you and then if you are eligible to apply for it, you start with the application process.
2. People with Disabilities
The fact that people with disabilities (mainly physical) find it difficult to fund their moves is not difficult to believe. They often do not have the finances required for a relocation because of which there are many governmental and non-governmental agencies working towards providing financial aid to such people. If you are someone who is differently-abled, you can approach the local housing agencies or the HUD, and they will help you out with your relocation. They will ensure that you apply for the right moving grants and get the necessary financial assistance.
The Veteran Supportive Services are backed by the government and they ensure that the veterans can avail various kinds of moving grants whenever they need financial assistance. To qualify for these services, a veteran must meet certain pre-decided requirements laid out by the government. These requirements could be something like ‘has to be discharged from duty’ etc.
If you are a veteran and are eligible for the Veterans Relocation Assistance program, you will receive aid in the form of money for utilities and rent, security deposits, housing support, child care, and many other services. This program ensures the availability of moving grants whenever you need them.
Things you can do to Generate Money for your Move
Though governmental and non-governmental organizations will bear the expenses of your move in most of the case, you can also try to generate some money on your own. There are several ways in which you can make a quick buck or even save some money in the process of moving.
1. Enquiring about Tax Rebates
You are eligible for a tax rebate when you are moving to another town or state due to professional reasons, like transfer for jobs and businesses. This will help you to make some money for your move. If you want to check whether you qualify for this, you should talk to your financial advisor or a tax expert and they will guide you through the process.
2. Selling your Things
A lot of us own several things that we have no use for. There is a huge market for second-hand things, especially because of the growing consciousness about consumerism. You can either sell your stuff through yard sales and garage sales, or you can sell them online on websites like eBay. If you are holding a garage sale and you want it to be successful, make sure that the maximum number of people know about it (when or where it is happening).
Selling your stuff will help you in two ways. It will obviously help you raise some money to cover your moving expenses and it will also reduce the bulk or weight of your move and make the move cheaper for you. We believe that this is the best way to make quick money.
3. Taking Part In Research Surveys
Many of you won’t know this, but many companies pay a good amount of money to you if you participate in their research surveys. Psychological research studies and other medical research studies need people to volunteer as participants. Other companies pay people to try out their products. Try to find a research study, as participating in it will help you cover your moving expenses.
4. Get In Touch With Your Families, Friends And Acquaintances
Members from your social circle will help you out with the moving process if you ask them for help. They can help you out with the packing and loading. This will help you save a good chunk of money from your moving budget. You can also enquire whether they have used moving supplies or own any vans or trucks. Getting a truck from your new neighbor, or a friend will ensure that you don’t have to spend much on your move.
You must try to repay their kindness by paying them for the stuff you use later or maybe inviting them over for dinner. Strengthening your relations with people is great because only people can help you when you are in dire need of help.
5. Seeking Help From Your Church
If you are a regular member of the church, they will help you with your expenses when you don’t have enough money. Many churches receive donations. This money is then used for those who need help. Some donors tend to be very generous and if you get in touch with them directly, they might be able to help you out as well.
To sum it up, several governmental and non-governmental organizations will provide you with generous grants when you need relocation assistance. Make sure that you check out the different grants available when you plan a move and also try to create more awareness about them among your social circle.