Financial Help for Single Mothers You Might Not Have Thought About

It used to be that single mothers without family support were largely on their own to cover a myriad of costs associated with raising children alone. But that has gradually changed over the years, more so with the advent of the Internet and social media – both of which have opened many doors of opportunity to single mothers looking for grants and other assistance to help ease the financial burden.

While it is well-known that there are scholarships available for moms who want to return to school to better their socio-economic position and other grants that assist with children’s schooling or in covering sky-high utility costs. But there are many other assistance programs that may not be as readily known that can assist with children’s clothing, medical and other healthcare costs, transportation requirements and even for childcare.

One of the best places to start the search for grants and other assistance is with local social services agencies and non-profits that maintain databases of locally-available options. But beyond that, there are national organizations that are ready to help too. Here are 5 great options for seeking financial help that you may not have thought of before:

  • Planningfamily.com – This website is a great resource for articles about pregnancy, children and parenting. It also includes valuable coupons that will help mitigate the high costs of groceries – one of the major contributors to household financial problems.
  • Goodwill Industries – This charitable organization with global reach accepts donations of automobiles that are then provided to needy families who are being held back by a lack of reliable transportation. Goodwill is also a reputable provider of job training and employment assistance as well as family support services. Go to goodwill.org to find out more.
  • Angel ClinicsIn most places, children are able to receive at least basic medical care through the government-supported Medicaid program. But that often leaves the single parent out of the loop unless they have insurance through an employer. For single moms, these free, or almost free, clinics can provide much-need help with health conditions that range from the common to the specialized. Many also offer women-specific treatments so that a yeast infection or other ailment does not go untreated.
  • Freegasusa.org – Rising gas prices have hit everyone hard and single mothers especially so. The Free Gas USA Inc. non-profit organization aims to bring relief to 90,000 qualified families through a fund drive with a goal of reaching $4.5 million raised.
  • The Coalition for the Homeless – Many single mothers spend their days toggling bills to keep the refrigerator stocked, gas tank full, the electricity on and the rent or mortgage paid. When the rent is late and eviction seems eminent, the coalition can help with financial assistance. Go to coalitionforthehomeless.org for more information.

Provide for Your Family with a Career in the Armed Services

For many single mothers, leaving their babies with someone else while they go off to work is a difficult thing to do. For these mothers, leaving their children behind to go off and serve in the military is unthinkable. But in the long run, it can actually be a responsible choice for you and your family. If you ever dreamed of having a career in the military, there is no need to let being a single mother hold you back.

Being in the military is a stable career and a noble one. Military families have access to the best public health care, so you will never have to worry about medical bills for your little ones, or about providing for them when you get sick. It is also a solid plan for the future. In this economy, many jobs are disappearing every day. If you enter into a job in the automotive industry or in publishing or in countless other areas that are in flux right now, you will have no idea whether your job will even be around in ten years. But the military will always be around. Even as we pull out of our wars in the Middle East, there is no way that we are ever going to shut down our best line of defense against attack. No matter how much we cut government spending, defense spending will always be strong. We respect our fighting men and women in uniform.

You can also use a career in the military to gain skills that will help you later in the job market if you decide to move on to a civilian lifestyle. There are so many different military jobs; you can use a career in the military to help train you for skills from computer science to becoming a medical doctor. And being in the military can also help you to get training outside the military. That’s right, thanks to the New GI Bill, the Montgomery Bill and FAFSA, the military can also help you pay for college. Navy Tuition Assistance will help you open up educational opportunities you never would have thought possible. With the U.S. Military paying for your education, you will be set for a high-paying and fulfilling career after you graduate, whether you stay with the military or move on to something else.

Be an inspiration to your children while providing for them by taking on a career in the military.

Affordable Childcare Options for Single Moms

As a single mom, you know how important it is to stretch your money as far as it will go. If you plan on returning to school, then the financial burden of taking care of your family – including finding someone else to take care of your children when you can’t be with them – can seem overwhelming. Relax. Plenty of single moms go to college every day, and you can do it, too. There are ways for you to find childcare you trust without going broke. Here are some affordable childcare options for single moms:
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5 Simple Money Saving Tips for Single Moms

It can be hard to make ends meet as a single mom, even when working multiple jobs – and especially if you’re going to school while taking care of your family. Add in the recent costs of inflation and you may find yourself struggling to make the numbers work. Thankfully, there are ways to save money. Whether it’s cutting food costs or taking advantage of free services, you can make it through these tough times without having to consider bad credit installment loans from greatplainslending.com or any other site. Here are just five simple money making tips for single moms.

Start a Cooking Club

A wonderful way for moms to save money on their grocery bill is to join a cooking club. A cooking club that meets once a week to exchange prepared meals is not only a great way to save money, but time. The idea is that each mother makes one large dish each week and portions it out into seven freezer containers. The mothers get together the next day and exchange the meals. This means everyone only has to cook dinner once a week, which can save a lot of money.

Join Freecycle

There may be things you need, but can’t afford. Thankfully, there is a site called Freecycle. Freecycle is a recycling program available in most cities across America. The premise behind Freecycle is that people list the items they want to get rid of and people who need these items can get them for free. This is a great way to find kids’ toys and clothing.

Try ThredUP

Imagine being able to sell boxes of your child’s used clothes, books and toys for around $10 and then purchasing another box of used items that will be new for your child for only $9. That’s exactly how ThredUP.com works. In other words, you’re basically trading your items for the stuff your children need while recycling their old stuff.

Download CardStar for the iPhone

Do you often forget your loyalty cards at home or can’t find the one you need when you get to the register? Then you need this free app. CardStar allows you to scan in all your loyalty cards so that they’re in one place. When you get to the register, you can access the card with a single touch.

Keep a Shopping Journal

One tip many single moms use to save money on groceries is to stock up. Of course, you want to get the best price possible. This is where a shopping journal comes in handy. With a shopping journal you can not only list the price of items for various stores, but keep up with the dates that items go on sale throughout the year so that you’re always prepared.

As you can see, there are several ways to save money that require very little work. Whether you’re joining an online community to trade items or downloading an app for your iPhone, it’s easier than you might have thought to save money as a single mom. You can continue going to school and taking care of your family with a little bit less to worry about.

Tips For Single Moms Save Money On Health Insurance

One of the most expensive purchases a family can make is their health insurance, but it is an expense that is necessary for families and individuals. If you have ever fallen ill or needed to have surgery then you know how gut wrenching it can be to see that huge bill from the doctor’s office. This can be financially damaging without some type of insurance coverage. Below are some tips for single moms raising a family on their own to save on their health insurance coverage.

The lowest price is not always the best price. Remember the saying “you get what you paid for”? This applies to your health insurance premium, just because you are paying the lowest premium you make up the cost in the amount you have to pay out of pocket.

Take a look at all your options. Understanding insurance policies is not easy task so having a basis of comparison between two or more policies is highly recommended. The items that you will need to compare include:

  • Amount your pay out-of-pocket
  • Limits
  • What the insurance covers
  • Amount for the premium

A good way to cut down on your insurance cost would be to choose a plan with a specific network of doctors, this is also known as a HMO (Health Maintenance Organization), however, if you or your child has a special need that is not covered by the doctors within the network than it will cost you more for an out of network plan.

Lower your premium by paying a little more for your deductible. While this may not sound like the best option available you can sign up to use a savings account specifically geared to those wanting to save money to pay their deductible. This acts as an extra insurance policy so that if you have a major health issue you and your family will be covered. Always plan for the amount you may have to pay out-of-pocket.

While you are using some or all of the above tips to lower your insurance, DO NOT take away from the max amount you will have to payout. If you or a kid(s) are severely injured or become struck by a major illness the costs can be drastic.

Unfortunately as a parent and individual you are unable to predict what is going to happen from one day to the next so it is best to be prepared. Health insurance coverage is one expense that should not be overlooked.

4 Tips To Getting A Scholarship For Single Moms

The statistics are staggering, with millions of single moms throughout the U.S., many of them are young mothers that have dropped out of school or are giving up their dreams of having a college education in order to go to work and support their families. All is not loss, there are benefits available for moms that makes it possible for to get their education. Below are tips on how you can get a scholarship for returning to school.

1. Know Where to Look

If you dropped out of high school, try speaking with a counselor or with a counselor at the financial aid office at your nearest community college. If you plan on applying for federal scholarships single moms, you should contact the department of higher education in your state to find out if they have any specific guidelines and where to find an application. There are different types of scholarships to apply for, some scholarships will pay for all of the expenses you may incur for obtaining your education. This includes books, tuition and even room and board near closer to the college to plan on attending. If you plan on applying for a grant then some may have special conditions that you must follow once you have received your financial aid for school. Some of these conditions may include the number of classes you take or the college you attend.

2. Government Grants

There are various government run grant agencies that offer over 800 programs and education grants is just one of many that are directed at single moms. Contact your local welfare office for the contact information for your area. In order to apply you will need to contact FAFSA (free application for Federal Student Aid) online or via the phone to submit an application at which time your financial situation will be assessed and your eligibility determined.

3. Privately Owned Organizations

The benefit to applying with these types of organization is that many offer you a larger variety of options for you to apply for a scholarship. These organizations can be found easily through online research or throughout your local community organizations that assist single moms.

4. Speak with your current employer

Larger companies often offer their single mother employee scholarships. Contact your HR department and find out if they offer any such benefits for single moms and find out if you are eligible and what is needed to be apply.

3 Tips To Single Mom Time Management

Being a single mom and being able to handle your time wisely can be difficult. Single moms must have the ability to multi-task in order to keep their household running smoothly. The first thing you need to remember is that you are only one person and there are only 24 hours a day for work to be done. Below are three tips designed to help you learn how to manage your time on a daily basis and to better balance work, school and your mommy duties

Time Management Tip #1

Your work schedule should be designed to help you maximize your time. This is especially important during the months where you have to plan for birthdays, holidays and school events for your child. Sticking with your schedule is just as important for you as it is for your children. The only time you should stray from your schedule is in the case of emergencies and/or sick days.

Time Management Tip #2

One of the difficulties starts within the home. If you get home from a busy day at work doing the laundry, taking out the trash and other housework may be the farthest thing from your mind. This is where your children come in, delegate some of the household chores to your children. Granted if you have smaller children this may not necessarily work as well as one may hope.. This will help you with keeping the house running smoothly and help you kids have a better understanding of responsibilities.

Time Management Tip #3

If you have smaller children then you may wish to look into getting a babysitter on the days you know you will be working late or a daycare that offers after hours services (this can be costly). If you would rather keep an eye on the kids then you may wish to opt for working from home or finding a job that offers a daycare facility. This will keep your kids nearby and still allow you to manage your time at work.

Lastly, know what your priorities are. When setting up your schedule place the more important items at the top of your list. This is so if something unexpected comes up or you find yourself bogged down with too much work then take a look at your list and start from the least important item on your list and move it to a later date.