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 The Daily Struggles of Low Income

   Living on a low income often means making difficult choices between basic necessities. Many individuals must decide between paying for food, housing, or healthcare. For instance, Sarah, a single mother of two, works two jobs yet still struggles to make ends meet. She often skips meals so her children can eat and delays medical visits due to lack of funds.

   Limited access to education and job opportunities further exacerbates the issue. Without the means to afford higher education or vocational training, low-income individuals find it challenging to secure well-paying jobs. This creates a cycle of poverty that is difficult to break.

   Here at EDL, we believe that no one should be worried about being able to pay bills or rent when they are too disabled to work, especially those with limited incomes. The average monthly living expenses, including rent, food, and other necessities, cost low income individuals more than a third of their income. Living in poverty can cause multiple health problems, such as depression, and it significantly increases the chances of suffering from disease. Learn how EDL can help low income individuals on a fixed income. Join our Community Today!


  •   A Formal Application receives consideration for 12 applicable months.  
  • Clients who purchase a formal application have their own database too 
  • In addition to that, formal applications will be processed before individuals who registered for free in applicable months. 
  • You will also receive many resources via email and have access to our health website.
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    • You will automatically join our new client program. This means you will get your very own personal page with unique ID and password. You will also be able to contact EDL staff via comments and you can earn account points too.


    JAMES PINO//  Founder

       The founder of EDL personally knows how far help can go. In the middle of law school, 2010, he suffered a Traumatic Brain Injury while on a motorcycle. He had to relearn how to do the most basic activities like walking and talking.

       The injury he sustained and the difficulties that come with it, remind us of our values as a business. We truly understand how difficult it is to go through the day-to-day struggles of life. Living life can be so hard sometimes. That is why we highly consider “life struggles” as a main factor when determining who gets financial help. It is very hard to be reminded each day of what your former self could do. For our founder personally, his speech is slurred, his eyesight is double most of the time, his ability to think becomes foggy later in the day, he has tremors, and his energy level is almost gone by noon. All these areas are just not what they used to be for him. Every day, he is reminded about those things. A simple conversation with somebody reveals all his faults.

       To further explain the daily issues he faces, his speech becomes more and more slurred throughout the day.  To add to his speech frustrations, it is increasingly difficult for him to think. His thoughts are in order, but when he verbally speaks his spoken language does not make sense to most people.

       Even if he can somehow forget those things are occurring, his eyesight rears its ugly head and never lets him forget about his troubles. In order to see straight his head needs to be tilted or his eyesight separates into two images. His eyesight makes it is extremely hard to read and his tremors make it hard to write too. Words become unrecognizable because they are so squiggly. These obstacles are so Frustrating to deal with each day.

       Now, we know and realize many people, unfortunately, live a life much more difficult and have things much worse. However, our main point is to let you know, we know what it is like to be reminded of your disabilities daily. To be reminded each day of what things used to be like.

       The Good news, things still can be accomplished. Yes, life is a little different now, but that is ok. Acceptance of your situation must occur to move forward. Our founder achieved many things with self-determination and help from therapy and the department of assistive and rehabilitative services (DARS), he graduated law school and created this nonprofit. Without help, he firmly believes things would have turned out much different. That is why EDL wants to help. We know firsthand how much of a difference it makes.

       Our mission at Elderly or Disabled Living is to provide help to the ones who need it. EDL’s way of helping others is to assist financially or by providing resources.


    James Pino

    *However if you do not like this program for any reason, You will receive a refund within 30 days. No questions asked. *You do not have to join the formal application program "unless" you want all the benefits that come with it.

    The choice is yours. 

    You are fully protected by our 100% Satisfaction-Guarantee.

    If, for any reason, you don't like our formal application program, you can get a refund anytime within 30 days after your purchase. If you have any issues, just get in touch with our friendly support team and they'll either help you out until you get the results you need or give you a swift refund.




    *Here are some Free Resources that may help you: Click Here

    Low income applications may provide financial help in the months of January, April, July, October +  February, May, August, and November.

    *No matter what for the past seven years at least one different individual has received financial help from us each month and we will continue doing so in the future too.


    Formal Applications are Considered for 12 months

     We will formally consider your situation for 12 applicable months. Get Direct access to EDL staff via comments and your own personal page. .

    Application Database

    Formal Application clients are considered within their own database. Not from a public database like the register for free program.

    Access to Health Website

    Our health website offers multiple easy recipes and multiple tips. With this information staying healthy is within reach.


    Multiple resources including webpages, website, and a PDF.


     Fast, Easy, and Secure.

    "EDL is given 5 stars due to their sincere compassionate assistance to those who are in need. EDL listens/hears the words you write as a cry of help. They cannot help everyone BUT those fortunate to receive assistance has had their virtual tears wiped! A wonderful organization doing a great job!"

    Purchase a formal application and receive multiple resources via PDF, webpages, and website. In addition, your formal application will be considered for 12 applicable months.

    Join us today and see why we have retained so many Happy Customers!

    Giving financial support to low income individuals since 2013.

    We Are Here To Help!



    Thank you EDL for being the ONLY organization that was able to assist my Elderly & Disabled Mother, Susan, with a very expensive move. Your help is a huge blessing and a God-send!

    Tara N. //  TX.

    so i can suceed in school AND BEYOND...

    "It has really been difficult for me the past few months, while adjusting to living life with a spinal cord injury and with limited resources for help during this time. I am in disbelief- that Elderly and Disabled Living would step up for me in my time of need... I want to thank them from the bottom of my heart, for getting me all set up with my internet- so I can succeed in school and beyond. I am so appreciative for this wonderful gift and I will make sure to pay it forward."

    SHANNON C. // IL.

    My situation has changed...

    Excellent no other words can tell you how helpful you are. Its very difficult to pay my bills now that my life situation has changed. Thank you again Elderly or Disabled Living.

    Kim W. //  PA.

    We struggle to make it all the time...

    Thank you so much for the financial help this month. Medical bills and prescriptions costs have made us fall behind. It is very hard to live off a small fixed income. We struggle to make it all the time and can never get ahead. Adding to our problem living costs keep rising. A little financial help goes a long way. Thank you again to the people at Elderly or Disabled Living.

    Denise S. //  TN.


     Recently, EDL has helped financial recipients with school attire, covid-19 related medications, therapy, moving expenses, and rent. Thanks to our clients and the support of others, we were able to help Charles get school clothes/supplies for his daughter this year.

    EDL was also able to help Kim who is single disabled mother. She recently lost her husband to cancer. To add to that severe pain and hardship, Kim lost her youngest child to gun violence too. She has been struggling to get by and to pay her bills. Elderly or Disabled Living was able to provide her some relief for the month with financial support.  Many individuals are suffering right now, and it is up to us to come together to help each other out.

    These are just a couple of examples of how we have helped. If interested, many testimonials are provided on our website.


    Having low income for whatever reason is always difficult. Each month bills keep coming in. It seems like your head is always struggling just to stay above the water. Just squeaking by each month. That is where we come in and provide financial help for a month,  if chosen. Unfortunately, we cannot financially help everyone. However if you are chosen, the financial help we offer will help you rest easier for that month. Many clients have benefited from our assistance over the years and continue to do so.


    100% Satisfaction Guarantee

    You are fully protected by our 100% Satisfaction-Guarantee. If you don't Like our Formal Application package within 30 days, just let us know and we'll send you a prompt refund.

    James Pino


    What does EDL do?

    -Provide possible financial assistance to lower income elderly or disabled individuals, “if chosen.”

    -EDL offers many resources on its social media pages (Addresses located at the bottom of this page).

    -EDL is an online organization. Please no phone calls. Contact us via email.


    How do I get assistance by registering for FREE?

    -Register THEN

    -Email EDL your story at: Please include bill amount.

    -If you are “chosen” to get assistance for that month, we will contact you via email or phone by the end of that month (please check your junk folder for emails).


    What does Financial Assistance Mean?

    -If you are “chosen,” EDL helps pay a portion of your bill(s) or all of your bill(s) for that month. *Please check your email inbox or junk mail for updates.*

    -No requirements, no strings, and no waitlists. As a charity, we are here to help.

    -No appointment necessary.


    Can I get Assistance Each Month?

    -No, It is not permanent.

    -A person can only receive assistance from EDL one time, once per year.


    How do I Register for FREE? (Program 1)

    -Click on the register for free, fill out  form and submit

    -4 chances to receive financial assistance only

    -January, April, July, and October.


    Do I need to be a Resident of Texas to receive help?

    -No, all U.S. citizens are considered equally.


    What if I do not get chosen to receive financial assistance?

    -Re-apply, Simply email EDL again the next month at Title your email as Re-application


    Do I qualify for Assistance?

    -If you are elderly or disabled as defined by this website, Yes.

    -Elderly 55 years old or older or disabled defined by the federal government

    - NO help will be provided to those who don’t qualify


    How do I Increase my chances of receiving help from EDL? (Program 2: Formal Application)

    -Register for FREE, Fill out and Submit the Formal Application THEN

    - Pay Application Fee  Click Here

    -8 chances to receive financial assistance

    - January, April, July, October + February, May, August, and November


    Do I qualify for Assistance?

    -If you are elderly or disabled as defined by this website, Yes.

    -Elderly 55 years old or older or disabled defined by the federal government

    - NO help will be provided to those who don’t qualify


    How do I Increase my chances even more? (Program 3: EDL Membership)

    -Register for FREE, submit a formal application, pay fee THEN

    -Become a Lifetime EDL member by supporting Elderly or Disabled Living while shopping with AmazonSmile.

    -12 chances to receive financial assistance

    -January, April, July, October + February, May, August, November + March , June, September, and December



    -If you have not heard from EDL by the end of the month, please contact us on our Facebook page, websites, app, or send us an email

    -Monthly recipients will be posted on our websites and Facebook page.

    - Please check your email inbox or junk mail for recipient updates

    -EIN 46-4186130 Please support our charity in whatever way possible.