HELP!!! single mother suffering financially

Kayla - posted on 10/22/2010 ( 12 moms have responded )

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My name is Kayla and im 20 years old. I have a 17 month old and im a single mother. I work retail but my paychecks and hours change weekly. I am struggling with bills and to keep a roof over our head. I do get a little bit of government assistance such as WIC, foodstamps, and vendor for daycare. But i dont know what else to do. I have tried looking for other options for assistance but apparently since I live in the state of Missouri, there are not many sources. I have even looked for ways to get personal grants online for single mothers who need help with with bills etc., but you have to pay for a processing fee, or they just bring up pages for you to apply to go back to school. Im afraid I will get scammed. I cant afford to go back to college and im afraid if I do I wont have time for my son and I will be to stressed out to handle it. Does anyone have any ideas and ways to help? I would appreciate it any type of advice. Thanks!

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Maria - posted on 10/24/2010

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I know how you feel. i was a single mom w/ a baby going to school full-time and working 45+ hrs wk. It's tuff but you'll find comfort in knowing that you're doing it for your baby. And knowing that b/c you're getting your schooling done now you'll be able to spend more time w/ your baby when they're older and able to remember it. You might not have to miss school plays and feild trips b/c you can't afford to take time off from work. Try looking for jobs at check cashing places. In TX they can make $11 hr. And you have a more predictable hours. Try the local schools. Even as a janitor or a lunch lady you might be surprised at the income. Don't know how things work in Missouri just going off what I know in TX. Hope things work out for you and remember you have a community of moms at your finger tips if you ever need to let off steam. Stay strong.

Mandy - posted on 10/23/2010

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Kayla, first I want u to know I will be praying for u. I know u are in a tough spot. I grew up in a single mother home and she had 5 of us. (I was the oldest) while I have never been a single mom, I do know what it is like to have to spread your self too thin and still have trouble making ends meet. My husband and I tried to start our family too fast and had three children with no complete college degree between the two of us by the rime we were ages 22 and 25 and had been married for 4 years. After years of struggling we finally decided that we had to find a way to get better jobs, because what we were doing was just not working so we decided to buckle down and one at a time go back to school.

I went first and I went full time while still keeping my full time job. I tell u it was a long four years that I felt was a struggle almost every day, but I new it wouldn't last forever. For me the hardest part....being away from my kids for longer periods of time. Even when I was home, I had to study.

The most important part I want to share with u is regarding the money. School is expensive, but there are options for getting financial aid and scholarships that will pay for it with money left over to use for books and living expenses. You will be surprised that you could end up making more money going to school than when u are only working. It could be just enough to get u through. The key is to believe it is possible and keep searching for options. Also, find a friend or family member who is willing to help u get through. My saving grace was my best friend who was available to listen to me gripe when I was frustrated or overwhelmed; she offered encouraging words when necessary.

She is a single mom too, and guess who followed me to school a year after I started? :) She is doing awesome and is almost finished with her IT degree, for which she will not have trouble finding a job but trouble picking from all her options. :) She got into school on financial aid, found a scholarship called Nina Scholars after she got in, was able to leave her job at the preschool and just gets called back to fill in once In a while. She then found part time work on campus in her field. So she is gone for a normal work day going to school and work at the same time. She is home with her daughter before dinner. This semester she needed help getting her daughter from the school bus two days a week until she could get there. She reached out to our Sunday school class and now has multiple options when she needs them.

I encourage u to try going to school. It takes a little planning and a lot of faith. I had to remember when things got hard and I thought..I can't stay in school, things are too tight or too caotic at home or with schedules....it really wasn't any better before I started school, especially the money. The difference now is there is a forseeable end to this hardship. So if u do decide to go to school remember it's only for a short while and u will have so many more options once it's complete.

If u are interested in looking into school start, by going to the FAFSA website to fill out the government financial aid form. It will tell u how much financial aid u qualify for. No matter what u choose, I will be praying Kayla! U can do it! :) Single mothers are some of the strongest people I know. Hang in there! :)

VALERIE - posted on 10/22/2010

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Hi Kayla,
Sorry to hear of your situation. Is child support from your sons father an option to help you out? There are many programs for single parents that you may qualify for such as: low-income housing where the home owner subscribes to the housing program and gets the rent paid directly from the low housing program and you pay the residual which is extremely low. There are designated daycare facilities that will provide childcare as long as you continue to work. I'm not sure if you are part of any churches or religious groups but if so, sometimes the churches offer up food gift cards or you can pick up food at the church pantry's. I am a working mom of two and it's hard to live by the schedule and I would much rather stay at home most of the time. However, it's all a balancing act. maybe you can take online college courses that you can complete in the evenings so it doesn't take any quality time from your son. Some campuses provide childcare free of charge too. Another option is that maybe you may have a friend or neighbor that you can provide childcare for and they can do the same as a trade off. I wish you good luck, don't get frustrated everything always works out.

Mel - posted on 10/22/2010

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Do they have Low Income housing there. I moving out of a place that I paid 525.00 a month and in the Low Income place I pay 65.00 a month. I was working 2 jobs and going to school full time and a single mom. So know that I got into the Low income I can quit one job and spend a lot more time with my child. Look into the Low income they r great places and your rent will go down a lot

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Melissa - posted on 05/09/2013

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Don't be afraid to all jobs, it can't hurt on all job websites and find cheap daycare in your area. Even temp to perm jobs... Look at for profit education or online schools or trade schools in Admissions they pay well too. You can do whatever you put your mind too-God is good or open a day care out of your hope-take a cpr class only 20.00 and look to watching other kids. You can get health insurance through the state for you and your kids if you are a single mom. If you have to pay-Costco sells health insurance and other places-be resourceful-you can achieve!

DELLARECE - posted on 10/26/2010

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I REALLY FEEL YOUR PAIN, AS I KNOW WHAT YOUR GOING THROUGH, I AM GOING THROUGH SIMILAR, I HAVE A JOB, SINGLE MOM, WITH 3 KIDS, A WHOLE LOT OF BILLS AND NO HELP. IT IS VERY STRESSFUL HAVING TO JUGGLE BETWEEN WORK AND HOME TAKING CARE OF MY KIDS. I HAVE A MORTGAGE COUPLED WITH OTHER BILLS WHICH IS SOMETIMES DIFFICULT TO MEET. MY ONLY ADVICE IS THAT YOU STAY ON YOUR KNEES AND ASK THE GOD LORD FOR GUIDANCE, STRENGTH AND DIRECTIONS TO BE ABLE TO GO FROM DAY TO DAY.

Kelly - posted on 10/25/2010

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Kayla~ First of all, congrats on trying to make it on your own. I don't know how single mothers do it. Since you are already working retail, you must have some sales skills. You can earn $30-$40 per hour (LEGALLY) in direct sales. I currently own my own Sensaria business and you can make more than you are in retail working 8-10 days per month. I work with women who are single mothers and are living worry free! Check it out! I have the gift of helping someone start their business for only $70 this month. You should definitely do your research, but once you have the information you can make an informed decision. Contact me if you have questions or need more information. (www.sensaria.com/kbermingham)

Tania - posted on 10/24/2010

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Go to www.taniashealthycoffee.com.....this business will help you earn the money you need, and you can work your own hours. I have a toll-free number on my website if you want to talk...I am a single mom too!

Ida - posted on 10/23/2010

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Yes I would say look into low income houseing I know sometimes they are not the best of place to live but they do help out you might be able to goback to school that way and earn more money than you do know the other thing you dont have to go to collage to get a beeter job you can look at some of the trade schools and sometimes DHS can help out with schooling you just have to ask them. best of luck have been in the money bind even with a hubby around. I know it is hard

Andrea - posted on 10/23/2010

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If you can come up with $45, I suggest you join AmeriPlan. Keep your current job for about 3 months just until you get things going! That is my advice! The $45 deal is only until the end of October though, then it goes back up to $69. Check into it!!! www.FreedomAtHomeTeam.com/ACook
You can also call 951-262-1118 for a recorded overview call...
Good luck, I'll keep you in my prayers!!!!! GOD IS GOOD!!!!!

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