RICHMOND, Va. – Working families in Virginia are having a hard time building up even a small financial cushion.

But the authors of a new policy brief say simple steps could make a huge difference.

Beadsie Woo, a senior associate with the Annie E. Casey Foundation, says the foundation found families, especially families of color, are having trouble maintaining savings.

But she says minor policy shifts could make long lasting changes, especially for the children.

"Saving, both for short-term emergencies such as a car repair, but it's also saving for long-term aspirations like post-secondary education or chances that will change their kids' lives," she explains.

According to the brief, small changes, such as letting families keep more savings without losing government benefits, can help build financial stability and reduce the need for government help.

Critics charge that more generous rules could lead to more folks becoming dependent.

But according to Woo, when Virginia raised the savings limit for Temporary Assistance for Needy Families, the number of families receiving benefits actually declined over time.

Woo says the Casey Foundation looks to the state's congressional delegation to press for some small, specific changes in national policies.

She says the foundation found enrolling more folks in a currently little used federal housing program could lead to big changes in home ownership.

Woo recommends bringing more people into the federal starter retirement account MyRA. And she says universal savings accounts started with small deposits at birth can cut the racial wealth gap by half.

"The racial wealth gap is growing, and that's putting children of color at a huge disadvantage,” she maintains. “Policies that make it easier for families to save can go a long way toward helping children have better futures."

Woo says even a very small amount of savings can make a lot of difference, keeping families from getting stuck on the debt treadmill of high-interest payday loans.

"The typical amount borrowed from a payday lender is about $500,” she points out. “It is, in lots of ways, a very thin margin between what can keep a family from going into debt and being stable."



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La Niña is bringing a cooler, wetter winter to Oregon and likely driving up heating bills as systems work harder.

This is the third year of major price hikes for Pacific Power and Pacific Gas and Electric, with rates up by 40% from four years ago.

One report found nearly half of Americans struggle to pay their utility bills and last winter, a January ice storm and rate hikes saw power shut off for a record number of Oregon households due to lack of payment.

Jami Seymore, home energy expert for the Energy Trust of Oregon, said this winter, one way to save on energy bills is to lower the thermostat at night.

"Every degree you drop that thermostat, you can save about 3% on your energy bill," Seymore pointed out.

Seymore recommended setting the thermostat to around 67 degrees during the day and about 59 at night. If you have a heat pump, do not change the temperature more than a few degrees either way for maximum efficiency.

The most helpful way to save money is to keep the heat inside by insulating walls, attics and floors. Seymore noted filling in gaps around the home like door frames, windows and mail slots can save up to 20% on heating costs. She added Energy Trust of Oregon can help cut the costs of projects.

"Energy Trust offers higher incentives for people with lower to moderate incomes to be able to make some of those changes a little more affordable," Seymore emphasized.

One source of energy loss people may overlook is the air filter. Seymore recommends changing it about every three months, or every time the season changes.

"A dirty air filter, that actually slows all that airflow coming in," Seymore observed. "It's going to waste energy and it's going to cost you more money."

If you need help with utility bills, Seymour advised checking with your utility provider first, as most have assistance programs and payment plans. You can also apply for Home Electrification and Appliance Rebates, which offer assistance for installing high-efficiency electric appliances, along with insulation and air sealing measures.


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Temperatures are dropping in the Commonwealth and community action agencies said help is available for those struggling to pay their heating bills.

The federal Home Energy Assistance Program helps households making less than 60% of the state median income, which for a family of four is just under $95,000.

Liz Berube, executive director of the community action agency Citizens for Citizens, serving the Fall River and Taunton area, called the eligibility requirements very generous.

"These are clearly for people who work, or you were working and you're laid off, you're on worker's comp, people who slip through the cracks," Berube outlined. "This could be the program for you."

Berube pointed out the website HeatingHelpMA.org has information on heating and other energy savings programs, as well as a link to an online application portal.

The Department of Public Utilities recently approved natural gas rate hikes for National Grid and Eversource customers. Monthly bills could increase from 11% to 30%.

Sen. Joan Lovely, D-Salem, said she is already hearing from her constituents in the Second Essex District, wondering how they will make it through the winter.

"Every single day, the biggest call to our office is housing insecurity and how am I going to heat my home," Lovely reported. "How am I going to be able to stay in my home?"

Lovely is grateful for the federal, state and local partnerships making the heating aid program possible.

Joe Diamond, executive director of the Massachusetts Association for Community Action, a coalition of more than twenty community action agencies helping families apply for needed services, said keeping people warm is about more than lowering energy bills.

"It is a health program. It's a safety program. It's a housing preservation program," Diamond explained. "It is also a program that allows people to access other programs."

Diamond noted if households qualify for heating help, they automatically qualify for weatherization programs, which can include new insulation, appliances or heating systems. Public safety officials stressed the programs save both money and lives. They emphasized well-maintained heating equipment is much less likely to cause fire or carbon monoxide poisoning.


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The Save the Children Action Network is asking Iowans to support candidates in the upcoming election who invest time and political muscle in solving children's issues.

Paige Chickering, Iowa state manager for the Save the Children Action Network, is reminding voters about the importance of early education, high-quality affordable child care and school meals for kids. She noted a growing percentage of them are hungry and their families rely on some form of government help.

"In Iowa specifically, USDA data show that about 40% of SNAP beneficiaries -- and that's the Supplemental Nutrition Assistance Program -- are children," Chickering explained. "About one in six children, 15.4%, face hunger in Iowa, according to a Feeding America study."

Chickering pointed out the Save the Children Action Network has endorsed a slate of bipartisan candidates in statewide races who have adopted strong positions on children's issues, including taking on hunger in Iowa.

Chickering highlighted a Ready Nation study shows the critical shortage of child care options in Iowa is costing the state at least $1.2 billion in parents' lost wages and productivity every year. She added helping kids should not be up for debate.

"The issue of prioritizing children in Iowa is a really, truly bipartisan issue," Chickering asserted. "It's been really clear from all the people that we've worked with, our volunteers, everyone we've spoken with, that this is something that everyone is prioritizing."

The action network is also calling on Iowa politicians to approve the summer "Sun Bucks" program in 2025, which would make food available to lower-income families when kids are out of school for the summer. Iowa opted out of the program this year.