Financial Assistance For Single Parents

Financial assistance for single parents is sometimes the only lifeline keeping them from drowning in a sea of debt and poverty. Most people have a lot to deal with in today’s economy, but single parents have the additional burden of trying to keep the family afloat all on their own.

Added to this is the fact that single parents, especially single mothers, are quite common and can be found in every socio economic bracket. They are often struggling with emotional problems like grief, on top of all the financial issues that are part and parcel of raising a child on your own. Single parenting can occur suddenly, as in the case of the death, desertion or incarceration of a partner, or more slowly as in divorce. Either way, there is often an adjustment in finances and living arrangements that can come as something of a shock. Financial assistance for single parents could tide you over.

What to do When Disaster Strikes

  1. Don’t panic. This is paramount. When you find yourself in straitened circumstances, spinning out of control with worry is not helpful, neither to you nor your children. If you are too stressed to think your eyes will be closed to any opportunities out there. Whatever the situation, there is a way out, but you need to be calm and rational enough to see it. Financial assistance for single parents can come in many shapes and forms and you must be creative when looking for answers. Do not waste precious time and money bemoaning the negatives or they will just get bigger. Do not wallow in self-pity. Instead, find the positives, however small and work from there.
  2. Take stock. Make a list of all your expenses, assets and income. Financial assistance for single parents is easier to access when you have all your ducks in a row. It is also better to know exactly where you stand than putting your head in the sand and waiting for everything to implode. This way you can make plans with creditors and work out some kind of budget. If you have a car and can get by with public transport, sell it. If you own a house and can relocate to a smaller one or a less expensive neighborhood, do that. It is often better to make one big change that will have a substantial impact rather than small changes that will make a negligible difference and just make everyone feel miserable. Change is scary, but it can also be exciting if you approach it from that point of view.
  3. Take a personal inventory. Your biggest resource is not the government, relatives, or friends, it is YOU and financial assistance for single parents like you starts with your own expertise. Make a list of all your skills and abilities. Everybody is good at something and the smallest, most ordinary knack might just be the key to a better future. Do you like to cook, bake or sew? Can you work with figures or computers? It might be better to start with what you enjoy doing and then move on to a realistic record of your talents. Whatever you can do, start doing it, even if it is in a small way. If you are good with children you can offer to look after other people’s children, either part time or full time. There are many single mothers who have to work who would be very grateful to find a safe place for their small children. Bartering is also a great way to stretch finances and can provide indirect financial assistance for single parents. Find others who have something you need and offer to swap with them for something they need that you can supply. Even if you work full time there are certain things like shopping and cooking which need to be done anyway. You can cook while a friend shops, or vice versa. If you pool responsibilities and tasks you can get things done more efficiently. Enlist the help and talents of your children too. If one likes animals, he can walk dogs. If any of them are artistic, you can encourage them to make cards to sell. Everyone can do their bit to contribute to financial assistance for single parents. This will have other positive repercussions like an increase in self-esteem for your kids.
  4. Develop an entrepreneurial spirit. This means looking for opportunities wherever you go. Network with and speak to as many people as you can, keeping your eyes and ears open. Tell everyone who will listen what services you offer and what you can do. Put up notices on community, library, church and school notice boards. Also make use of bulletin boards at local malls and the corner café.
  5. Believe in yourself. If you believe you can do it, you can. The opposite is also true, though. If you feel hopeless and helpless then that is exactly what your situation will reflect.
  6. Look after your health. As a single parent seeking financial assistance for single parents, your job is a hard one. Getting enough sleep, eating properly and minimizing stress might seem like impossibilities, but it is vital that you maintain your equilibrium as best you can. Find ways to calm your mind so that you do not carried away with black thoughts and imaginings.
  7. Face facts. Many people feel embarrassed when they get into a financial crisis, which prevents them from functioning effectively. If you have to drop your standards and seek financial assistance for single parents, so be it. There is no shame in it and you are not alone. Admit when you need a helping hand and take one when it is offered. You might be in a position to help someone else in the future.

When You Need Immediate Help

If your circumstances are extreme and you need immediate relief, the steps above will still need to be followed and will prepare you to access financial assistance for single parents from other sources. These include the following:

Financial Assistance for Single Parents

  • Government grants
  • National School Lunch Program
  • Church organizations
  • Privately funded organizations
  • Helping Hands
  • Salvation Army
  • Non-profit organizations
  • Employee Loans
  • Bank Loans
  • Community funds

At www.benefits.gov you will find the most comprehensive collection of information available to help you access government grants, food aid, medical insurance, housing assistance and a host of other benefits. Use the Benefit Finder first to narrow down your choices and to see if you qualify for any of the programs. This is the quickest and most efficient route and will enable you to see the scope of programs. You can also search by state and by Federal agency. Eligibility depends on any number of factors including any disabilities, your current financial status and income and the amount of children you support. It may seem like an onerous task to track down financial assistance for single parents this way but this is your best option for discovering what the government has to offer. When providing your information, there are three important criteria to bear in mind.

  • Honesty
  • Accuracy
  • Completeness

Use these to fill in the on line forms to the best of your ability. Remember this system has been open to abuse before, so you will want to be as thorough as possible to give you the best chance of success.

There is so much erroneous information on the internet that would have you believe there is plenty of money available in government coffers and all you have to do is access it. Unfortunately, nothing could be further from the truth and believing this could lead you down a path of frustration and disillusionment when you finally discover the truth. Remember, there are hundreds of thousands of people in dire straits and even though millions of tax dollars are allocated to federal assistance programs, they have to be spread out as fairly as possible. The onus is on you to prove neediness and to seek whatever financial assistance for single parents is available.

Don’t get caught by internet sites that offer give you access to this kind of information for a fee, or that sell e books with lists of sites for government aids. After purchase, you will still need to go through all the steps yourself with regard to your personal details and circumstances and all this information is freely available anyway. With thousands of government agencies in different sectors offering different types of financial assistance for single parents, it can seem like an overwhelming task, but the benefits website is still your best bet. The government has tried to make this a one-stop shop with all the facts and figures in one place.

Ensuring that your children are properly nourished should be one of your first priorities and is the type of financial assistance for single parents that is the easiest to access. Apply at their respective schools for the information and forms. Depending on your income your children could qualify for low cost or even free breakfast and lunch. Free milk might also be available in your state. The SNAP, or Supplemental Nutrition Assistance Program, guarantees a place in the national free lunch program if you have been accepted. Additionally, if you are on unemployment benefits this should pre- qualify your children for free lunches.

If you are specifically looking for financial assistance for single mothers there are programs that target this group. Try the following:

  • Women’s Business ownership assistance
  • Women’s Bureau

If you have exhausted your options with regard to government benefits in your search for financial assistance for single parents, the next step is to seek out support from non-profit organizations and privately funded and volunteer groups. Your local telephone directory would be a good place to start. This will give you contact details and give you an idea of what is available in your specific region. Again, talk to anybody and everybody you can. Treat this like you would any other job. Be realistic and forthcoming and try to keep emotion out of it. Even if groups like the Salvation Army and Helping Hands cannot help you, they might be able to steer you in the right direction.

Networking with other single parents could be your greatest resource for finding and sharing knowledge about financial assistance for single parents. Get out into the community and onto the internet and connect with as many people as possible. The more you interact with other people, the more you increase your chances of finding the help you need. You may even be able to help other parents.

If you are employed, ask about employee loans and whatever else your company might be able to offer in the way of financial assistance for single parents. There may well be programs and emergency funds that you are unaware of. If you don’t ask, you won’t have access to them. If nothing is currently available, perhaps you could come up with creative suggestions. This is the time to start thinking outside of the box. You don’t necessarily have to rely on what is available, if you can come up with your own solutions. Look around and see what you can offer in exchange for assistance. Offer to work overtime or to take on extra work outside of your own. If you notice there is a need somewhere or a shortfall somewhere else, try to fill it.

As a last resort, bank and other loans could be a way to get financial assistance for single parents. The interest, however, could prove devastating in the long run and put you in a worse position.

The economy is tough but it is not impossible to thrive in it. If you keep your head you can find opportunities to get ahead. Keeping a positive mindset and a can do attitude will take you farther than one full of doom and gloom. Approach your research with all the possibilities in mind and an openness to financial assistance for single parents.




Originally posted 2011-08-04 23:14:52.

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Comments

  1. Consuelo Yero says:

    I am looking for immediate assistance with rent to try to keep a roof over the heads of my 6 children and I. Living off of food stamps is not enough to be able to provide for a family. Looking for work today is not as easy as well know it sounds. I can spend a whole day like working on a full time job looking for work. If I don’t get help soon my kids and I will be evicted by 14 Sept 2010.

  2. David Martin says:

    Respected Persons
    October 18, 2010
    I am seeking financial assistance with my college. I am currently 3 months behind in rent. I have been looking for work but to no avail have I found a job. I am seeking an Associates of Applied Science Degree in Industrial Technologies at a local community college. I have been ineligable to obtain financial aid because I am in a deflauted student loan which was around
    $ 12,000 which I have brought down to $ 666.00 over the years. I sustained an industrial inury in 2008 at a power plant and lost two brand new vehicles. I can not get enough money to pay this payment I have been divorced since 2007. I have two boys 12 and 10. Once I start working in a power plant I will pay back any amout of funds aquired. My kids and I would really appreciate any help you can provide us. I will be seeking a Bachalor of Science in Mechanical Engineering hopefully at Berkley. I am an American Indian with the White Mountain Apache Tribe in Arizona. I was a police officer for ten years and was illegally fired from the tribe. I have tried to ake a foreberance with Sallie Mae but there was no response. Your help is of a paramout issue. Please respond.
    Respectively Submitted

  3. jojuana petre says:

    i am a single parent of a one year old girl. I am seeking assistance with rent , home improvement for the health and safety on tmy child. I was a victim if identity therefore which caused me to fall behind in my rent. I purchased a older model single wide mobile home under the assumption from the seller that this would be a sound investment. As it turned out, it wasn’t. so therefore I need to make the necessary repairs to make my home suitablefor living and bring the structure up to code. My rent has to be paid in full by March 01, 2011. I’ve enrolled in classes at my local community college. Unfortunately I receive only the tuition assistance from my pell grant due to the fact that I don’t have a high school diploma or GED certificate. As a result I am left to foot the bill for my transportation, books, and child care. This is a summary of why I am asking for assistance. Your help would be greatly appriciated. I look forward to hearing from you soon. God bless you.

  4. Markis Barnes says:

    Hi, I just became a single parent of 2 children,12 and 5,feb 2011 after my wife passed. The 2 kids and I are currently living with my mom and things are not going well. I have no income. I am waiting on a disability claim to either go through or not. My wife’s death is still fresh,and I’m trying to cope with her being gone. I want to do my best for my kids sake and mine. I really need some kind of assistance to help us because we need it ,and I feel like I’m going to loose all of my composure without my wife or any assistance.

  5. Jane Smith says:

    I am a child of a single mother and I know how tough it is. If you are lucky however, you might have a child like me who takes up the other parents place. Also do not give up in your search for financial assistance. If you plan for your child to go to post-secondary, I suggest starting up a savings fund for that cause as soon as you can.This will help you with money in the future as you won’t have to dish out a lot of you regular money for their education.

  6. I AM CURRENTLY A SINGLE PARENT OF TWO BEAUTIFUL KIDS A 6 YEAR OLD SON AND A 3 MONTH OLD DAUGHTER. I AM CURRENTLY SEEKING EMPLOYMENT BECAUSE MY CURRENT BABY SITTER WHICH WAS MY MOTHER IS VERY ILL AND CAN NO LONGER TAKE CARE OF MY KIDS WHICH FORCED ME TO LEAVE WORK SO I CAN BE WITH MY KIDS BECAUSE WORKING 3PM-11PM AND 11PM-7AM LEFT ME WITH NO OTHER BABY SITTER. I ALSO HAVE NO VECIHLE TO GET AROUND WHEN NEEDED, I HAVE TO CALL FAMILY OR THE TAXI TO TAKE MY KIDS AND I HERE AND THERE. MY BILLS ARE BEHIND AND IVE BEEN STRESSED. I WANT TO GO TO SCHOOL TO BETTER MYSELF NOT ONLY FOR MY KIDS BUT FOR ME ALSO. PLEASE HELP…

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