With record unemployment and many rental markets at record highs, there are no shortage of single moms who need help finding affordable, safe housing. There are a myriad of programs to help mothers in these situations. Let’s take a look at the most comprehensive programs offered. Continue reading Housing Assistance for Single Moms – Simple Steps to Find an Affordable Housing Alternative
Single black mothers can take advantage of numerous income earning opportunities. There are grant monies available from many charitable organizations across the nation. Single mothers who dream of college or starting a small business will find many resources designed to offer assistance. However, it is wise to remember that there are also other organizations that offer grants and assistance that are not specifically geared to single black mothers. Continue reading Which Organizations Offer Help to African-American Single Mothers?
There are not any small business grants specifically geared to mothers, but there are small business grants for women in general. These grants often provide an option for women who need funding to start or maintain their own business. There are other ways for moms to raise the funds to start small businesses as well. Continue reading Are There Any Legit Small Business Grants for Moms?
Thinking of starting a new business or expanding one you already have you but don’t have the financial resources to do so? Applying for a government grant is one option to consider. Be aware that only a few individuals get approval for their grant applications, but it won’t hurt to try. Continue reading 5 Tips for Finding Legitimate Government Grants
There are grants for Hispanic women that are available for a variety of reasons. Twp of the most common grants are to fund a person interested in going back to school or starting a business. Foundations give grants to improve areas that the foundation thinks need improving. Continue reading Grants for Hispanic Women
Payday loans are also referred to as ‘deferred deposits’ or ‘cash advances’. These loans are typically conducted by having the borrower write a check to the lender in order to receive a short-term cash loan. For instance, borrowers may write a $200 check, pay a $40 fee and get $255 in cash. Lenders don’t cash the check until the next payday which can be up to 31 days away. Continue reading How to get a Cheap Payday Loan from a Reputable Lender
There are many government assistance programs located around the United States.Raising children or even one child is a difficult feat for a single mother. In the state of Idaho, these single mothers are offered a variety of programs.
Child Care Support
The ICCP stands for the Idaho Child Care Program and is found under the department of Welfare and the Department of Health. This program is aimed at families that have a low income or earn the minimal amount per the programs guidelines. This program is assistance for single mothers in Idaho so they can still work to provide for their family, yet have help in paying for childcare. Childcare in the state of Idaho is about $480 a month, $120 per week, or about $3 per hour for one child around 40 hours per week. There are many stipulations when using the ICCP program. Some of the stipulations may include where the parent works if they are going to school, income and the home that they live in. In addition, other approved activities may affect how much help they will receive in childcare. The program usually does not pay the entire portion of the childcare bill, but pays the majority. They usually cover a certain amount of blocks of hours per week. If the childcare goes over those hours however, then the parent is responsible for the remaining balance. The program will pay for the previous month the first week of the next month. The program will not pay for any late charges if the parent does not pick up the child on time no matter if it falls within the block of hours. If there is a change in hours in the childcare the parent and the childcare provider must report these changes to the ICCP immediately. To keep the parent informed, ICCP sends out a monthly information sheet showing the amount the program will cover, how many people in the parent’s household, the amount the childcare provider charges, and the amount the program will cover. It will also show what the parent will be responsible for. When the payment is made the parent and the childcare provider will get detailed information on this payment. This is something the parent needs to retain for their tax records.
Healthcare Assistance for Single Mothers in Idaho
Another assistance program aimed at single mothers in Idaho are the health and medical assistance programs. These programs, like the ICCP, are through the Department of Health and Welfare. In the health program, there are specifics for women and children. The first program is called women’s health check. This program is designed to help women who cannot afford health care get important screenings such as breast cancer and cervical cancer screenings. In order to qualify for this program, the single mother must fall under a certain category. Some of these categories deal with age, number of children and income level. Another program is called the women’s, infants and children program or WIC. This program is federally funded and helps single mothers in Idaho buy food for their family by providing checks with certain amounts of food they can purchase. They also teach proper nutrition education as well as tiny health check ups for the mother and children. In order to qualify, the mother must be a resident of Idaho and meet the income requirements. They also must have a child that is under five years of age to be eligible. Another program offered to single mothers in Idaho is the Medicaid program. This program is for both the mother and the child. When the mother is pregnant, this program covers all her medical expenses including for the baby as well as dental and eye care. The program is also for children that are under the age of 19. With this program, the mother can be on Medicaid for the duration of the pregnancy and two months thereafter. The child can be on the program as long as the income levels are met.
Food Stamps Assistance
There is another program that is offered to single mothers in Idaho. This is the food stamps program. This program is designed to help struggling mothers provide enough food for their families. With all state programs, this one has specific requirements that must be met. Some of these requirements are income, employment and how many people live in the household. The amount of food stamps a person will receive will also depend on these same factors stated above. The food stamps are only to be used for food products. They cannot be used for items such as alcohol or tobacco. The majority of these programs will require that information be submitted every so often to make sure that the single mother still qualifies for the program or falls into a different bracket.
Financial Grants for Single Mothers in Idaho
One last type of help for single mothers in Idaho is financial grants for school. These grants are aimed at single mothers who want to further their education to obtain a better job to provide for their families. A single mother can apply for this assistance through a program called FAFSA. This program will give the mother loans or pay completely for school. The program will need important information such as income, number of people in the household and past tax records.
Program Assistance for Single Mothers in Idaho made Easy
All of these programs are designed to make life a little easier for a single mother. They may not have everything paid for, but every little bit helps to keep the family happy and healthy. The programs are intended for honest women that know they cannot do it on their own. If a single mother lies about their income or any part of the program then they can face jail time and fines. These programs are easy to apply to and the majority of them can be applied to on the Internet.
As a single mother you know that it is not easy raising children, and it can be even harder if you are struggling to pay your bills. Single mothers often find that they cannot work as much as they need to in order to pay the bills and still spend time with their children. If you find yourself in this position there are organizations in Michigan that are able to help and can get you back on your feet.
One of the hardest part of being a single mother is trying to afford child care on a single income. Often quality child care can cost the majority of your paycheck, leaving you with little money for the necessities. This is where Michigan’s Child Development and Child Care program comes in. They offer help to reduce the financial burden of child care.
In order to be eligible for child care assistance you must meet a certain income requirement. For example a family of 3 must make less than $1990 a month to qualify for child care assistance. You must also be using the child care assistance to work or go to school. To find out more about Michigan’s Child Development and Child Care program and how to apply visit http://www.michigan.gov/dhs/0,4562,7-124-5529_7143-15306–,00.html.
Michigan’s Child Development and Child Care program will pay for a certain amount of your child care expenses depending on your monthly income. For example, a family of three earning less than $1895 a month may qualify to have 90% of their child care covered. You must choose a child care provider that is approved by the program and you cannot use the program to pay yourself to watch your own children.
If you are struggling to pay your children’s health care bills then your children may be eligible for MIChild. MIChild is a healthcare program that is geared toward ensuring that all children have access to quality healthcare even if they are from low income families and do not qualify for Medicaid.
In order for your children to qualify for MIChild they must be under the age of 19 and have no health insurance. Your family must also meet certain income requirements, live in Michigan and be U.S. citizens. To apply visit http://www.michigan.gov/mdch/1,1607,7-132-2943_4845_4931—,00.html.
The program allows for your children to have access to comprehensive healthcare for only $10 a month for your entire family. MIChild is comprehensive healthcare, including mental health, dental, vision and hospital stays. However, it will only cover hospitalizations and extended care for 120 days. This program is an affordable and effective way to ensure that your children are covered for regular health expenses and in case of an emergency.
Family Independence Program
If you find yourself struggling through a rough patch, either due to trying to finish school, an internship or in-between jobs, you may benefit from the Family Independence Program. This program offers temporary cash assistance to help you get back on your feet and provide for your children.
In order to be eligible for the Family Independence Program you must have children under the age of 18, or a child may be 18 but still attending high school. You must have assets under $3,000 and you must meet income requirements that are based upon your monthly salary and the number of people in your household. There may be also be certain exemptions allowed depending on your expenses. To find out if you are eligible and for information on how to apply visit http://www.michigan.gov/dhs/0,4562,7-124-5453_5526-21229–,00.html.
The Family Independence Program offers temporary cash assistance that is dispersed every month. The program is dedicated to helping families becoming self-sufficient so they will also help you find job and training opportunities so that you have a better income and ability to support yourself when you are no longer able to receive cash assistance.
Food Assistance Program
If you find that you are having to cut things out of your food budget in order to make ends meet or you are unable to afford enough food to feed your children, you may qualify for the Food Assistance Program. This program is designed to help struggling families have access to adequate nutrition.
In order to be eligible for food assistance your family must meet certain income requirements. Your income level is judged by your countable income and the number of people in your family. You also must have limited assets to draw upon and you must be a U.S. citizen. To find out if you qualify and to apply visit http://www.michigan.gov/dhs/0,4562,7-124-5453_5527_6691-13176–,00.html.
The Food Assistance Program offers you a certain food allotment each month. The amount of money that you received is based on your income and the number of people in your household, as well as your specific situation. The money is then transferred to the Michigan Bridge Card when you can use at any ATM or credit card machine at a grocery store in order to access your funds. The money can be used on nearly any food purchase allowing you to choose exactly what your family likes and needs.
Education Assistance – Education grants and scholarships
If you are looking to go back to school but are not sure how you will be able to pay tuition then you can fill out a FAFSA (Free Application for Federal Student Aid). This allows you to receive federal funding to use toward your education. The program disperses money to lwo income families and the amount of money that you receive is based on your individual need. If you do not receive federal funding, you may still qualify for a Michigan education grant. You can find out more about the FAFSA here http://www.fafsa.ed.gov/ and there are several other education grant programs that you can apply for to help pay for tuition.
These programs are just the start toward helping you build a better life for your children. The programs are often only temporary solutions to help you get on your feet and into a better career to support your children.
Living assistance from the government can be available in the form of grants and other state programs. In cases of severe financial distress, low-income and under employed families may qualify for a one time government grant to help with living expenses. This program is most commonly used for rent and mortgage payments to avoid eviction or foreclosure. Other forms of Government assistance are also available.
HUD Housing Program
HUD Housing is low income; Government subsidized housing that aids families in obtaining safe housing for their families. There are a lot of stipulations associated with this program. HUD Housing can be privately owned or publicly owned. Privately owned HUD housing allows for an apartment building or home owner to offer reduced rental rates based on a family’s income. HUD is living assistance from the Government.
Families that qualify for HUD Housing assistance must abide by strict guidelines. Only those listed on the HUD application may live in the home. Certain criminal offenses will be disallowed for tenancy. Strict income guidelines must be followed. Any and all income changes must be reported immediately. This can change your eligibility as well as decrease the amount of rent paid if an income decrease takes place.
Many HUD houses are built by volunteers. HUD homes are also built for specific families from time to time. These special homes are built in special circumstances. They are usually built for families that have disabled members requiring modified living conditions in order to live with their families. Those living in HUD homes are often so appreciative of the program and how much it has helped their family that they will volunteer to help build a home for another family in need. The HUD community can become very close.
Section 8 Housing
Section 8 housing living assistance from the Government provides qualifying families with reduced rental rates for subsidized or public housing. There are also strict income requirements for this program. Most states are on a long waiting list to enter this program. By the time your number on the list is reached, it is likely that your financial situation has changed for the better. There are cases where a family can be on an Emergency Section 8 list. This would mean that the family, with young children, is homeless.
Section 8 also has strict rules as far as staying in their program. In order to remain eligible for Section 8, you must abide by all of the rules and regulations of the program including not allowing unauthorized people to live in the home. Criminal activity cannot take place within the home. The home itself cannot be damaged or sublet. Section 8 does have the right to inspect their property with 24 hours notice. They do expect their homes to be kept neat and clean. Unsatisfactory living conditions upon inspection can cause a person to be taken off of the program.
The Section 8 program is fully funded by State and Federal Governments. Program availability can change from year to year as funding amounts do often change. If the national budget cannot suffice the large amount of funding for the program in a specific year, fewer applicants are approved for the program. There is nothing that an agency can do to push an application through if the funding is not there and all of the housing is full. The most that they can do is find other sliding income housing or a suitable shelter.
Government Grants for Living Assistance Purposes
Living assistance from the government in the form of grants is attainable for families suffering severe financial hardship. These grants are offered only one time to low income families. A grant can be given for eviction prevention or foreclosure prevention, home repairs and for general living expenses. A general living expense grant is sometimes available depending on the program you are applying to.
Government grants for these purposes usually do not require reimbursement. Since the grants are available to a person only once in their lifetime, the government often seeks further funding to keep this program available. The items needed to apply for a government living assistance grant include a letter of intent, proof of financial hardship, proposal of the need and what the funds will be used for. It can take several months to receive an answer regarding the acceptance or denial of your request.
Other Living Assistance Programs
Local agencies may be able to provide living assistance from the government. The government does provide funds to some local agencies to assist their community members. These programs are usually saved for the elderly and extremely low income families, including single mothers. Those that are homeless will take precedence over others that are simply a little short on their bills.
One local agency that may be able to help with Government provided living assistance funds would be your local Salvation Army office. They receive funding from state and federal government agencies as well as private funding in the way of donations. The Salvation Army provides living assistance from the government in the way of rent or mortgage payment, electricity payments and natural gas payments. Some Salvation Army locations offer transportation assistance, car repair assistance, food assistance, clothing, toiletries and medication assistance. They can help only once per year with a major expense such as rent or utility payments. There are also some locations that can help with moving costs to obtain suitable housing by helping with security deposits or the first month’s rent. If they do not have funds available to assist you and your family, ask them about other government funded programs in the area that may have funds. They will gladly provide you the resources needed to reach out to another agency.
Living assistance from the Government may not be available in all states. Programs for this type of assistance often run out of funds early in the year. It is difficult to replenish the funding as donations and grant funds have decreased. If all of these programs fail to have the funds to help you, ask them to refer you to a safe shelter for temporary housing.
Single mothers in Kentucky know that it is not easy to provide the best care for the children, especially during a tough economy. However, there are a number of programs available in Kentucky to help families who are struggling.
SNAP (Supplemental Nutrition Assistance Program)
Often food costs can make up a large portion of a family’s budget but SNAP helps to ease this financial burden while still making sure that families get adequate amounts of nutrition.
In order to be eligible for SNAP your family must meet certain income requirements that are based on the amount of people that live in your household. Everyone in the household that is between the ages of 16 and 60 are able to work must be actively looking for work. You may be able to count certain expenses as subtracted from your monthly income in order to increase your SNAP benefits and eligibility. You can get a SNAP application form here http://chfs.ky.gov/dcbs/dfs/snapapplication.htm.
Once you are approved for SNAP you will be mailed an Electronic Benefit Transfer card. This card will be loaded with your approved funds each month which can then be used to buy nearly any type of food. Alcohol, tobacco, household products, pet food, medicines, and hot and ready meals are not able to be purchased with SNAP funds.
KCHIP (Kentucky Children’s Health Insurance Program)
This program offers free or low cost healthcare for children. This is a great way for single mothers to afford healthcare for their children and ease the financial burden of regular doctor’s visits.
The program is available for children under the age of 19 whose family’s income is less than 200 percent of the federal poverty level. For example, a family of four must make less than $46,100 a year before taxes in order to qualify for the program. If you have recently left a job there is a six month period before you can apply your children for KCHIP, however if your employer dropped your health coverage your children may be eligible immediately. You can get an application for KCHIP here http://kidshealth.ky.gov/en/kchip/apply.htm.
KCHIP covers nearly all aspects of healthcare for your children, including regular doctor’s visits, dental care, mental health care, prescriptions, hospitalizations and more. This is an affordable way to get comprehensive health coverage for your children at little or no cost to you.
If you are looking to find a way to afford your rent or fear that you may soon be homeless, then you can apply for housing vouchers. These vouchers can be used to help pay for rent and help to reduce the financial burden that housing may cause. To apply for housing assistance you must meet with the contact for your area to apply for the program. You can find out about the contact for your area here http://www.kyhousing.org/page.aspx?id=600.
K-TAP (Kentucky Transitional Assistance Program)
This program is designed to help needy families move toward self-sufficiency. The program temporary offers monthly cash assistance to help families who are struggling to get back on their feet and reach self-sufficiency.
In order to be eligible for K-TAP you must meet certain income requirements that are based upon monthly household income and the number of people in your household. For a family of three the monthly household income must be less than $974 a month. This will allow you to receive a maximum of $262 a month. To find out how to apply visit http://chfs.ky.gov/dcbs/dfs/ktap.htm.
The program will give you monthly cash assistance in an amount determined by your income and the number of people in your household. This is a one-time assistance program that will last for 60 months, after this period you can never benefit from the program again.
Low Income Home Energy Assistance Program
This program is for low income families who are unable to pay their heating and cooling needs for their home. This program helps over 150,000 Kentucky residents every year and it can be a great resource to help you and your family as well.
To be eligible for the program you must be at or below 130 percent of the federal poverty level. Your household must also not have more than $2,000 in liquid assets, unless one member of the household has a catastrophic illness, in this case the assets may equal $4,000. To see if you are eligible for the program and to find out more information visit http://chfs.ky.gov/dcbs/dfs/liheap.htm.
There are three programs involved with the Low Income Home Energy Assistance Program. There is a subsidy component that operates in November and December to help low income families pay their heating costs. The Crisis component operates from January to mid-March and helps those families that are in imminent danger of losing their heat and have no means to heat their home. It can also offer help to families that have received an eviction notice. There is also a program that offers help with cooling costs if there are funds available.
WIC (Women, Infants and Children)
The WIC program in Kentucky is dedicated to providing pregnant and nursing mothers, and children under five with healthy and adequate nutrition. The program is available to low income families and offers a number of services to help new families.
If you meet the requirements for Medicaid or food stamps, then you automatically are eligible for WIC. The income requirements are dependent upon the number of people in your household, for example a family of four must have a monthly income of less than $3,554. To find out how to apply for WIC visit http://chfs.ky.gov/dph/mch/Applying+For+WIC.htm.
The WIC program offers food checks every month that can be used to buy food that meets certain nutritional requirements. These checks can be used at most food stores and ensure that you provide your young family with adequate nutrition. They also offer breastfeeding support and nutritional advice and support. They can also provide immunizations for children.
Taking advantage of these programs can help you provide for your children and move toward self-sufficiency and the ability to provide a better future for your children.