There should be some local food banks in your area If you need gas/electric call your provider and they may be able to help you with credit or free electric blanket If you or the kids have any health conditions or any other type of difficulties you may struggle with daily, disclose these if you feel comfortable enough to. If youre with a mainstream bank you can explain your situation. I've heard of people get a gesture of goodwill credit or temp credit when in need but will most likely not