SALT LAKE CITY, Utah — In a study released this past year, the Federal Reserve discovered 40 per cent of Americans lack sufficient cost cost savings to cover an urgent $400 bill.

In 2010, the partial federal government shutdown revealed exactly just how hopeless some federal workers had been to boost money to pay for bills. Federal employees appealed for assistance in the crowdfunding site GoFundMe; they decided to go to meals banking institutions, plus some attempted to cover either part-time jobs to their expenses, or freelance work. Continue reading →