Many service providers work with clients who are financially unstable. Financial instability can vary depending on the person, but common characteristics include having limited or unpredictable income, being behind on rent, not having enough money for food and other basics, and having insurmountable debt. The hallmark of financial stability is having a consistent and regular flow of resources to meet ongoing living expenses. The tips below are adapted from the Consumer Financial Protection Bureau’s Your Money, Your Goals toolkit, available at www.consumerfinance.gov/your-money-your-goals.