Housing, or shelter, is one of our most basic needs, along with food and clothing. To be without housing or to have a daily struggle with housing can derail the most motivated jobseeker or worker. Like transportation, housing problems can cause worker absenteeism or tardiness, which can lead to job instability and unemployment. Low-income individuals have greater difficulty finding and keeping affordable housing. There often is a waiting list for obtaining low-income housing; and, once obtained, that housing can be fraught with plumbing, heating and/or insect-infestation problems. Similarly, low-income individuals may be faced with a choice of which bills to pay in any given month, due to financial shortages.