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Financial Help For Single Mothers

As a single mom, you face unique financial challenges that women with supportive husbands do not face. As such, you need to be aware of programs that you can use to help your family financially. The government and many private organizations have options available to help single moms with their financial needs.
One common need that single moms face is health insurance. Your employer may not offer health insurance, or the premiums may be too high for you to afford. The government has programs that you can use to get insurance for your children. The most common government program is Medicaid. While Medicaid is for those on limited incomes, the income guidelines are determined based on family size, so you should see if you qualify. If you do not qualify for Medicaid, consider the State Children’s Health Insurance Program (SCHIP). The income guidelines for SCHIP will be set by your state, and they are higher than Medicaid. You may be able to get health insurance for yourself through this program, depending on your state.
If you are looking for utility assistance, child care assistance, food banks, and other types of assistance programs and don’t know where to look, try dialing 2-1-1 on your phone. You can use this free service to find the programs you need. With one phone call, you can find out about assistance programs you qualify for in your area. Not all areas have the 2-1-1 program, but you can find out if yours does by simply trying the number.
If you are ready to buy a home, there are programs for single moms to help with the home buying process. To start, talk to your local housing authority. This organization may be able to point you towards assistants programs in your area. You can also talk to a Housing and Urban Development (HUD) counselor. You may be able to buy a house through HUD, and HUD has several mortgage assistance programs for you to consider. The organization will also help you find a house that qualifies for the assistance program. Your counselor will be able to help you work through the process.
Single moms may face a rough road, but the good news is that there is help available. Take advantage of the programs you qualify for, because you are, after all, doing the job of two people. With financial assistance programs like these, you can ease up some of the strain on your monthly household budget or get some of the things you need for your family but simply cannot afford on your own.


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