Use when someone wants to plan their money, keeps running out before the end of the month, or wants to save for rent, a deposit, a car or an emergency.
In danger right now: call 911. Crisis or thoughts of suicide: call or text 988. Not sure where to start? Call the Silver City Gospel Mission: 575-388-5071. Police, fire or sheriff, not an emergency: 575-388-8840 (Central Dispatch). Print our list of phone numbers →
These are the same steps our staff use when they help someone. "They" means the person who needs help: you, or someone you are helping. Go in order, and call ahead when you can.
1Start with a kind talk
You can say"A budget is just a plan for your money. It helps you choose where it goes before it's gone."
You can ask"What money comes in each month, and on what day?"
You can ask"What bills do you have to pay, and when are they due?"
2Write down money in and money out
List all income: pay, SSI or Social Security, SNAP, child support, cash help, side work.
List bills in this order: housing, utilities, food, phone, transportation, medicine, debts, everything else.
Subtract bills from income. Look at what is left.
3Make a plan that works
Pay housing and utilities first. They keep a roof and the lights on.
At the Gospel MissionFood from the pantry, soup kitchen meals, clothing bank and hygiene kits can free up money for bills.
4Free classes and coaching
Community Action Agency of Southern New Mexico (CAASNM)
Family Financial Empowerment: IDA matched savings, financial classes and free ta
Watts Hall, 501 E. 18th St., Silver City · Feb-early April only (2026: Mon/Wed 10am-5pm, Tue/Thu 8am-noon)
This guide is general information only, not medical, legal or other professional advice. Places and rules change, so please call before you go. In an emergency, call 911; in a mental health crisis, call or text 988. Disclaimer
Know a better way? Is something out of date?
If a number or place here is wrong, you know a better resource, or you know a better way to help, tell us. We automatically check reliable sources and update supported routine details. Unclear changes and safety guidance go to our staff for review.
📞 We need volunteers to keep this guide up to date. You can help from home, an hour a week. See how →
Questions, or want someone to walk through this with you? The Silver City Gospel Mission, 111 S. Texas St., Silver City, 575-388-5071, weekdays 9:00am-1:45pm. Everyone is welcome.