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Eastern Oregon Center for Independent Living
Empowering individuals with disabilities and seniors to improve the quality of their lives

 Be *Financially* Prepared!

The best defense is a good offense


A sometimes overlooked part of independence is being prepared for the everyday — and the unexpected. This includes financial preparedness.

For links to emergency food, housing and utility and energy assistance, see our Resources page. Finally, be sure to check out our Disaster and Emergency Preparedness page.

Personal Financial Management

If you do not have a budget and do not manage your financial resources adequately, you can find yourself feeling like your life is spiraling out of control.  You may experience anxiety and stress trying to figure out how to pay a bill or buy food. Financial instability is a major threat to independence: it creates chaos and can lead quickly to crisis. If you have experienced this, you already know that it is not a good or comfortable way to live. 

EOCIL encourages all individuals to develop a carefully balanced budget to reduce chaos and crisis potential.  You can contact an Independent Living Specialist for assistance or access the following resources:

Tax, Mortgage and Other Special Situations

The most carefully balanced budget can go by the wayside because of a single missed check or health emergency. Life happens, and EOCIL has established the Emergency Financial Assistance (EFA) Fund to provide short-term emergency financial assistance to individuals experiencing temporary financial crisis.

It is to be used to assist clients through temporary, out-of-the-ordinary emergencies that would affect client independence. The fund is made possible through donations, grants and fund raising. The EFA Fund allows the client to get through the emergency by working with an IL specialist to stabilize the situation and develop a long-term plan to prevent recurrence of the crisis.

Funds may be restricted donations or grants and maybe available only to specific disability groups or based on eligibility conditions placed by the donor.  EOCIL operates this program with the “Pay it Forward” philosophy of Benjamin Franklin; “I do not pretend to give such a sum; I only lend it to you.  When you meet with another honest man in similar distress, you must pay me by lending this sum to him; enjoining him to discharge the debt by a like operation, when he shall be able, and shall meet with another opportunity.  I hope it may thus go thro’ many hands, before it meets with knave that will stop its progress.  This is a trick of mine for doing a deal of good with a little of money.”

Contact an EOCIL IL Specialist for an application.

Individual Development Accounts (IDA)

Individual Development Accounts (IDAs) are matched savings programs that enable families with limited financial resources to save and build assets. With an IDA, you identify a savings goal (amount and intended use of funds), and participate in financial literacy classes while you work toward reaching your savings goal. When you reach your savings goal, the IDA program matches your savings $3 for every $1 you saved. These funds, plus the money you saved, can then be used to pay for the assets you planned to purchase when setting up the IDA. Contact your local IDA providers listed below to find out more.

IDAs are available for the following assets:

Housing Authority of Malheur County

Counties Served

Malheur, Harney

Service Areas

Housing, education

IDA Specialist

Karla Veloz
Phone: 541-889-9661

Lake County Development — OMEN Affiliate

Counties Served

Baker, Harney, Lake, Malheur, Grant

Service Areas


IDA Specialist

Ronne Lindsay
Phone: 541-947-5300
PO Box 263
Lakeview, OR 97630

Treasure Valley Community College

Counties Served


Service Areas


IDA Specialist

Andrea Testi
Phone: 541-881-8822
650 College Blvd
Ontario, OR 97914

Northeast Oregon Economic Development District

Counties Served

Baker, Union, Wallowa

Service Areas

Business, education, adaptive technology

IDA Specialist

Lisa Dawson
Phone: 541-426-3598
101 NE First St., Suite 100
Enterprise, OR 97828

Be a Smart and Safe Consumer!

Whatever the season, wherever you live, scammers and financial predators are always a potential danger. Be informed!


Dream it! Plan it! Achieve It!