Aside from the Debt-to-income ratio and risk benefits you've already mentioned, it also just helps keep everything organized.

I am looking at joining this organization and was wanting to know if what has been said still stands true?

To keep everything organized, I swear by Asana for task management; it keeps me on track.

What's the best way to save and organize digital receipts and to snapshot paper receipts? 

It’s worked well for us and keeps everything organized!

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Definitely doesn't bode well for the organization having a smoother 2017.Does anyone know who Tamela Shanks-Royston (Interim VP of HCV Program) vs Tonya Baird the Assistant VP of the HVC Program?

Makes it easy to keep the cash organized as well as bills.You don't need a credit card but debit cards for each place makes it easy.

I have kept track of all my expenses in an excel sheet/word document but feel like there may be a more organized and efficient method to tracking?

Also, if you have any local Senior Support organizations, they may have a long list of families looking for senior living.