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?
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.
Home ownership has always been a part of the American Dream. A single mom purchasing her first house is protecting herself against rent increases while creating a tax benefit at the same time. Security can be especially important for a single mother .For many, however, coming up with the down payment can be very difficult, and being approved can require jumping through many hurdles. Here are a few of the programs available that single moms can look to for help in buying a home for the first time. Continue reading Assistance for Single Moms Buying a House for the First Time