SingleMoms.org – Financial Help, Parenting, Lifestyle http://www.singlemoms.org Get real information about parenting help, financial help, education resources, and other topics for single moms Wed, 18 May 2016 18:07:04 +0000 en-US hourly 1 https://wordpress.org/?v=4.5.2 Free Pregnancy and Baby Items for Single Mothers http://www.singlemoms.org/free-pregnancy-baby-items-single-mothers/ http://www.singlemoms.org/free-pregnancy-baby-items-single-mothers/#respond Mon, 02 May 2016 07:26:30 +0000 http://www.singlemoms.org/?p=1943 Raising a child costs thousands of dollars a year so as an expecting or new mother you will appreciate any free items for your baby that you can get your hands on. There are many different free items you can available if you look in the right place. We’ve scoured the web for you, locating […]

The post Free Pregnancy and Baby Items for Single Mothers appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
free pregnancy stuff for expecting moms
Raising a child costs thousands of dollars a year so as an expecting or new mother you will appreciate any free items for your baby that you can get your hands on. There are many different free items you can available if you look in the right place. We’ve scoured the web for you, locating free items that you can take advantage of.

This article will list and some useful freebies for expecting or new mothers.

Free Parenting Magazines

You can receive free parenting magazines to give you some good parenting tips and advice.

American Baby Magazine: You can receive a free subscription to American Baby Magazine which is full of tips and great product offers. You will get a new issue each month delivered to your home. Check out the American Baby Magazine webpage to get your subscription.

Free Diapers

As you might have already noticed, diapers are not cheap. It is estimated that the average child will go through about $2100 worth of diapers, so any free diapers are a bonus. Below are the best free diaper offers.

Huggies Rewards Program: If you join the Huggies Rewards Program you can receive free stuff from Huggies such as free diapers, toys and more. You will get codes for purchasing Huggies products that can be used online to redeem for free items. You can also earn points which can be redeemed by performing activities and providing feedback on the Huggies website. Check out the Huggies Rewards Page to sign up.

Pampers Gifts to Grow: The Pampers Gifts to Grow is similar to the Huggies Rewards program where you will get earn points when you purchase Pampers products which can be redeemed for free baby products including diapers. Check out the Pampers Gifts to Grow webpage to sign up.

National Diaper Network: If you are of low income you can get free diapers through the National Diaper Network. There are several organizations that have work in collaboration with the National Diaper Network located all over the U.S. Check out the National Diaper Network Directory to find a free diaper source near you.

Free Baby Sling

You can get a free baby sling that is almost a $50 value sent from a company called Seven Slings to you for free, you just have to cover the shipping costs. Choose any of the baby sling/carrier of your choice and enter the promotional code PENNY1 and you will just have to pay shipping. Visit the Seven Slings online store to get your free sling

Free Carseat Canopy

Similar to the free baby sling, you can get a free canopy to cover you carseat for free sent to your home. The canopy is $50 in value. Simply enter the promotional code PENNY1 and you will just have to cover the shipping costs. Visit the Carseat Canopy online store to order yours.

Free Nursing Pillow

You can get a free nursing pillow that is a $45 dollar value by entering the promo code PENNY1, where you will only have to pay shipping costs. You can choose from a variety of colors and sizes. Visit the Nursing Pillow website to order you pillow.

Target Baby Registry

When you sign up with the Target Baby Registry you will receive free Samples and $50 worth in Coupon Books. You will also get 15% discounts on future purchases. The great thing is it is completely free to join the program. Visit the Target Baby Registry website to sign up.

Free Pacifier

You can get a free Green Dot pacifier that will even let you know if your baby has a fever. You can request a free pacifier sample by entering your name and email, and they will follow up with you to send you the pacifier. Click here to enter your info.

Free Baby Food

You can score some free baby food. You will get 2 full sized jars of Beech-Nut baby food and a box of cereal. To receive these freebies, all you have to do is sign up for the Beech-But newsletter. Learn more and get your free baby food by clicking here.

Baby Tooth Chart

You can download and print this need baby tooth chart so you will know which teeth are growing in and which ones were lost. Click here to download this neat tooth chart.

Free Enfamil Formula

You can get multiple free Enfamil baby formula boxes, a coupon book, and some free baby bottle as well. To get these products all you have to do is sign up for Enfamil Family Beginnings Program which is totally free. Click here to get your free stuff.

Free Similac Gift Pack

You can get a large gift pack from Similac that has a lot off free goodies such as Similac Formula, a coupon book, a tote bag, and a pillow. All you have to do is sign up with the Similac Strong Moms program and they will send the free stuff to you. It is completely free to join.

Free Baby GaGa Pregnancy Calendar

This is a neat pregnancy calendar will will help you track your pregnancy and trimester, with help and interesting facts and info on how far along you baby is based on your due date. Click here to get started and get your calendar.

Assorted Free New Born Baby Items

You can get a whole bunch of assorted baby items such as toys, diapers, baby food and more. Simply fill in the form with your name and address and the free stuff will be sent to you. Click here to get started.

Free Belly Band

You can get a free belly band that is a $40 value for free. These bands are designed to allow you to wear your your own original jeans and pants with the help of the band. Type in the code ENBABY at the checkout screen and you will just have to pay the shipping. Check out the Belly Button Band website to get started.

More Free Resources

We’ve cooked up some more ‘Free Guides’ on our site you might want to look at:

The post Free Pregnancy and Baby Items for Single Mothers appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/free-pregnancy-baby-items-single-mothers/feed/ 0
18+ Restaurants where Kids Eat Free http://www.singlemoms.org/ultimate-guide-restaurants-kids-eat-free/ http://www.singlemoms.org/ultimate-guide-restaurants-kids-eat-free/#respond Sat, 30 Apr 2016 13:30:46 +0000 http://www.singlemoms.org/?p=1938 As a busy single parent you don’t always have time to cook dinners for you and the kids. Also, paying for your meal along with your kids’ meals can really add up. Many large restaurant chains have specified days where they allow kids to eat free. This articles will outline the best restaurants and where […]

The post 18+ Restaurants where Kids Eat Free appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
As a busy single parent you don’t always have time to cook dinners for you and the kids. Also, paying for your meal along with your kids’ meals can really add up. Many large restaurant chains have specified days where they allow kids to eat free. This articles will outline the best restaurants and where and when kids eat free.

Each restaurant will have different rules and specification that you should be aware of that includes:

  • Age Limits: Many times there will be an age limit for children. Many times the free meals will apply for children aged 12 and under.
  • Designated Time: You will have to be at the restaurant during dinner hours, usually ranging from 4pm to 7pm.
  • Drinks Not Included: Be sure to verify if the drinks are free, some restaurants will not include the drinks with the free dinner.

Below are the names of the restaurants and the free meals that are offered:

1. Red Robin

  • On Mondays Kids eat free all day.
  • Menu:Grilled Cheese Bites, Cod Crunches (fish). MVP PIzza.

2. The Locker Room

  • Every Monday children eat free from 4 to 9pm
  • Menu: Any item on kids menu

3. T.G.I. Fridays

  • Every Monday and Tuesday kids will eat free.
  • Menu: Kids Sliders, Chicken Fingers, Pasta and Marinara sauce.

4. UNO Chicago Grill

  • On Tuesdays you can get one kids meal with a purchase of an adult entree
  • Menu: Make your own pizza, Nuggets, Cheeseburger and fries.

5. Bennigans

  • Kids aged 12 and under will eat free on Tuesdays after 4p.m.
  • Menu: Chicken-a-Little (Chicken strips), Hot Diggity Dog(Hot dog), Billy the Kids Burger

6. Chick-Fil-A

  • Every Tuesday from 5:30 to 7:30 gets will get a free kids meal.
  • Menu: chicken nuggets, waffle fries and a drink.

7. Denny’s

  • Every Tuesday from 4pm to 10pm kids will eat free.
  • Menu: Chocolate Chip pancakes, Macaroni and Cheese, Spaghetti.
  • Beverages are not included

8. Texas Roadhouse

  • Every Tuesday kids eat free all day.
  • Menu: any item from kids menu.

9. Cody’s Original Roadhouse

  • On Tuesdays two kids eat free for every adult entree purchased.
  • Menu: any item on kids menu
  • kids must be 10 and under.

10. Pizza Hut

  • On Tuesdays, kids aged 10 and under can eat free with the purchase of an adult pizza.
  • Menu: Kids Pizza Meal, Kids Spaghetti meal, served with garlic bread

11. Golden Corral

  • Every Tuesday children eat free at night
  • Menu: any item on kids menu.

12. Ruby’s Diner

  • On Tuesdays after 4pm, kids 12 and under will eat free
  • Menu: Kid-sized Turkey Burger, Peanut Butter and Jelly Sandwich.

13. IHOP

  • Every Monday, Tuesday and Wednesday, kids aged 8 and under will eat free from 4-8pm.
  • Menu:Funny Face Pancake, Jr. Banana Crepe, Jr. Chicken and Waffles.

14. Coco’s Restaurant

  • Every Tuesday children eat free with purchase of adult entree
  • Menu: any item on kid menu

15. Steak n’ Shake

  • Every Saturday one child eats free per adult $9 entree
  • Menu: any item on kids menu

16. Tony Roma’s

  • Sundays all kids 12 and under eat free all day
  • Menu: Baby Back Ribs, Chicken Tacos, Mac and Cheese, and Chicken strips.

17. Steak n Shake

  • On Saturday’s and Sunday’s you get a free kids entree for every $9 you spend.
  • Menu:Steakburger, Mini Corn Dog, Steak Frank
  • Available to dine in customers only
  • does not include beverages or shakes
  • kids must be 12 and under.

18. Cici’s Pizza

  • Kids aged three and under get to eat free everyday!
  • Kids buffet which features salad, pizza and desert.
  • dine in only

The post 18+ Restaurants where Kids Eat Free appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/ultimate-guide-restaurants-kids-eat-free/feed/ 0
How to Apply for the Temporary Cash Assistance for the Poor Program (TANF) http://www.singlemoms.org/apply-temporary-cash-assistance-poor-program-tanf/ http://www.singlemoms.org/apply-temporary-cash-assistance-poor-program-tanf/#respond Sat, 30 Apr 2016 10:34:47 +0000 http://www.singlemoms.org/?p=1934 If you are a low income single mother, you should definitely apply for TANF as it offers a bundle of benefits to you and your children. TANF is a federal program that is administered on a state level and has helped over 1.6 million families. This article will tell you everything you need to know […]

The post How to Apply for the Temporary Cash Assistance for the Poor Program (TANF) appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
If you are a low income single mother, you should definitely apply for TANF as it offers a bundle of benefits to you and your children. TANF is a federal program that is administered on a state level and has helped over 1.6 million families. This article will tell you everything you need to know about TANF.

The purpose of the TANF program is to keep single parents or families on their feet by offering money to help with basic expenses while they look for better employment. The program aims to achieve what they call self-sufficiency, meaning families won’t longer need TANF benefits after they have received help and better employment.

TANF offers financial relief payments to the low income single parents and families throughout the United States. The payments are received onto a card called an Electronic Benefits Transfer Card that has funds loaded onto it. Simply swipe the card when paying for necessities for yourself, and your children such as food and clothes.

Furthermore, one of the great benefits for TANF especially if you are a single parent is the child care assistance that is offered. The assistance will help you pay for child care which can be a huge benefit. The TANF childcare works in collaboration with your state’s child care program. TANF will pay a portion of your child care bill with you paying the remaining portion as a co-payment.

Eligibility

The eligibility of this program is determined by the combined income of the household in correlation with the number of dependents living in the household. Similarly, to the rental assistance program, this program is operated by the state in which the family lives in. Each state has their own set of eligibility requirements regarding the benefit levels, as well as the length of the payments. However, most states do require that families applying have an asset limit of $2000 or less. There is a federal law stating the longest a family can receive the assistance is for 5 years, however after that time period you can apply for an extension of cash assistance.

Requirements: To receive the cash assistance there are employment requirements that must be adhered to. It is required to work for an average of 30 hours per week. If you are not working you must be enrolled in school or job training.

Single mothers have more flexibility with employment, as single mothers must work an average of 20 hours per week if they have any children under the age of 6. However, if you have children under the age of 6 and cannot find adequate child care you cannot be penalized for not meeting the working requirements.

To meet the job requirements, you must do at least one of the following:

  • have unsubsidized or subsidized employment
  • receive on the job training
  • participate in community service
  • receive up to 12 months of vocational training
  • provide child care services to people participating in community service

How Much Can You Get From TANF?

This varies greatly depending on the state with payments ranging from approximately $170 all the way up to $925. The payments depend on the size of the family and which state you are in. Using an average of all 52 states combined, the amount the average payment equates to is approximately $500.

How to Apply for TANF

Application varies by the state however it is administered by the Office of Family Assistance. Searching Temporary Cash Assistance for The Poor(TANF) along with your state on the internet should bring up the contact information. You can also visit the TANF Website and select your state to begin.

The post How to Apply for the Temporary Cash Assistance for the Poor Program (TANF) appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/apply-temporary-cash-assistance-poor-program-tanf/feed/ 0
The 17+ Best Money-Saving Coupon Sites for Moms http://www.singlemoms.org/best-online-coupon-sites-for-moms/ http://www.singlemoms.org/best-online-coupon-sites-for-moms/#respond Thu, 28 Apr 2016 06:49:18 +0000 http://www.singlemoms.org/?p=1925 As a mother with children appreciate the value of coupons and use them as much as possible. You can find many great deals and coupons online without having to cut through the flyers you receive in the mail. This article will list the best coupon sites available on the internet. Online Coupon Websites Moms Can […]

The post The 17+ Best Money-Saving Coupon Sites for Moms appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
best coupon sites for moms

As a mother with children appreciate the value of coupons and use them as much as possible. You can find many great deals and coupons online without having to cut through the flyers you receive in the mail. This article will list the best coupon sites available on the internet.

Online Coupon Websites Moms Can Save (Lots) of Money With

There are many online websites that allow you to print coupons, saving you the time of sorting through flyers. Below are some of the best and most useful coupon sites that mothers will benefit the most from:

Mom Specific Coupon Sites

These are basically sites run by mom bloggers who scour the web for coupon deals and post these ever day. I post them here because they may be of interest if you are looking for products / services that relate to parenting, women, motherhood, and so on. Note that these sites are a bit messy and have a bit of an over-the-top salesy feel to them, which may drive away some people.

1. Money Saving Mom: This useful site for moms/parents that features hundreds of coupons updated regularly, with coupons available from many of the major retailers in the United States. Also this site features great deals and prices on many different products and even includes giveaways and freebies.

2. Coupon Mom: This is another great website just for moms that features a large database of coupons that will help you save on products you use regularly. Most coupons that are available in flyers will be available on this website, and it allows you to search by product to quickly find coupons for the item you are looking for. V

3. Krazy Coupon Lady: This site is very in-depth where you will find coupons on just about anything you can think of. This site also displays product offers, giveaways, contests and more.

Coupon Saving Websites / Services

These are large website that specialize in posting coupons or money saving deals. If you use them right, you should be able to cut back on some of your expenses.

4. Savings Angel: This is a subscribed coupon site that is free, but if you would like the full benefits the site cost $3.99 per week. This site does have the most comprehensive listing of coupons you will find and even offers personal advice on how to save on your groceries bills.

5. Smart Source: This coupon site allows you to enter your zip code and search for coupons that are available in your area. The upper part of the screen will even show the amount of coupons you have selected and will tally up the amount you have saved so far. This site is a must visit for mothers. Check out Smart Source to enjoy the benefits of this site.

6. Coupons.com: This site is mainly a large database of available manufacturers coupons, but does show coupons available by area, and even will display coupon codes to be used. To get the full benefits off this site, it requires a subscription fee however you can still get a lot out of this site without the fee. Check out Coupons.com to explore the site.

7. Valpak: This is unique site that allows you to search for coupons in your specific area. The unique part about this site is it allows you to find coupons available for more than just groceries. You can find deals and coupons for restaurants, and other things such as movie coupons and more. Be sure to make this a site you visit for coupons. Check out the Valpak website and have a look around.

Loyalty Card Websites

A new trend that can be very convenient is the ability to store coupons on your grocery store loyal cards. This can save the hassle of printing and sorting coupons making things a lot easier for you. Check the websites of the stores you currently have loyal cards for to see if they offer this attractive feature. If they do not there are still some other useful sites that allow you to store coupons on loyalty cards that are shown below:

8. Shortcuts: This website allows you to input all your loyalty cards onto the site, and allows you to easily add coupons to your loyalty cards that will automatically be deducted when you are checking out with your groceries. Visit Shortcuts.com to check it out.

9. Cellfire: This website allows you to search for coupons in your area where you can then store the coupons directly onto your loyalty card, or you can even add coupons to your cellphone. Visit Cellfire.com to get started.

10. P&G eSaver: This site allows you to sign up for free to receive any coupons that are offered by Proctor and Gamble which includes many brands such as Bounty, Crest, Bounce, Gillett and more. You can print out coupons or add coupons to your loyalty cards. To sign up visit the P&G eSaver website.

Coupon Apps for your Phone

Another method of using coupons is through mobile coupon apps. These apps can find coupons for you based on your location and which store you are at. For example, if you are at a Kroger store these apps will show you all coupons available at that store. Below are some of the best coupon apps.

11. Yowza: This app will record your location and show you all the coupons available in your area. The coupons can be scanned directly from your phone as the app displays a barcode. This app also provides direct links to the retailer’s websites. You can download Yowza in the Google Play Store and the Apple App Store.

12. RetailMeNot: This app features a massive database of coupons readily available with over      50 000 retailers and restaurants nationwide. This app is easy to navigate as you can search through a number of different categories. RetailMeNot is available on both the Google Play Store and the Apple App Store.

13. Groupon: Perhaps the most popular coupon site, Groupon is a must have for every mother. This app features great deals and coupons on just about anything you can think of. You will find coupons on groceries, restaurants, vacations, actives and a lot more. This app is completely free and is available on the Google Play Store and the Apple App Store.

Honourable Mentions

Below are some other coupon sites that are worth checking out:

14. Amazon Mom: You sign up and pay a monthly fee, but get huge savings on certain categories of products on Amazon, such as saving 20 percent on all diapers. They have a free trial you can sign up for.

15. Gerber: Sign up for the Gerber Start Healthy Program to receive coupons sent to your email.

16. Enfamil: You can enroll in the Enfamil Family Beginnings program to receive coupons and rebates.

17. Living Social: this app is similar to Groupon helping you find deals in your area.

The post The 17+ Best Money-Saving Coupon Sites for Moms appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/best-online-coupon-sites-for-moms/feed/ 0
A Guide to the Federal Work Study Program (FWS) http://www.singlemoms.org/guide-federal-work-study-program/ http://www.singlemoms.org/guide-federal-work-study-program/#respond Sat, 16 Apr 2016 08:25:10 +0000 http://www.singlemoms.org/?p=1905 Most people will agree that a college education results in a higher paying career. Unfortunately for a great many, college is unaffordable. In addition to low-income individuals, single parents struggle with paying tuition while supporting their family. If you are looking to go to college in the US, it’s even more difficult to pay for […]

The post A Guide to the Federal Work Study Program (FWS) appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
federal work study program
Most people will agree that a college education results in a higher paying career. Unfortunately for a great many, college is unaffordable. In addition to low-income individuals, single parents struggle with paying tuition while supporting their family.

If you are looking to go to college in the US, it’s even more difficult to pay for this schooling (a regular university degree from a state public college will run you about $25,000 per year, and roughly $100,000 in total for your 4 year education).

The good news is there are a number of federal programs out there that can help supplement your costs. These are a combination of grants and loans that taken together can roughly cover most of your costs (depending on your financial need). However, if financial aid does not cover your total costs, you’ll need to seek out other assistance — such as a part time job, summer job, or help from your family / parents.

The main federal assistance programs are:

  • Federal Perkins Loan
  • Federal Direct Loan Program
  • Pell Grant
  • TEACH GRANT
  • FSEOG Grant
  • Federal Work Study Program

To qualify for many of these, you need to fill out the FAFSA form. You can find out more info on the US government student loan website.

What is the Federal Work Study Program?

The Federal Work-Study (FWS) program is a federally funded, need-based, financial aid grant, that allows students to earn funding through employment.

The FWS is a grant which does not need to be paid back. The student is physically working and earning their awarded amount. This is extremely valuable for students who wish to gain hands-on experience in their career field. A student can work with the registrar’s office, with professors, or social and history programs. It is a chance to network with professionals and other students, while learning the ins-and-outs of college.

In addition to working at their school, an awarded student may also work for any federal, state or local public agency. In other words, if a student is attending school for a teaching degree, they can possibly work for the Board of Education. If they are going to law school, they can work at the county clerk’s office.

It is important to acknowledge, that finding a program that accepts the Federal Work Study program can be a challenge, due to the high demands for these jobs. Other students may be interested in the same opportunity, do the research and apply early. It is a first come, first served program. To find out if your college accepts Federal Work Study, click here.
How Much Will I Earn?
In general, students earn minimum wage. Undergraduates are usually paid by the hour, while graduate students can earn a yearly salary. At times, there may be opportunities that pay a higher wage depending on your state, amount of experience, and job requirements.

Once you have accepted a job, you will be paid for the hours that you work. You need to work the full hours allotted to earn your grant award amount. If you lose your employment for non-attendance, you may not have a second chance to gain access to this grant.

The money you earn through the Federal Work Study program is paid to you directly. It is your responsibility to pay your tuition and fees. Your employer will allow you to work part time (and possibly odd hours) to ensure you have time to attend classes and study properly.

The History Behind The Federal Work Study Program

The Economic Opportunity Act of 1964 paved the way for opportunities like the Federal Work Study program. It allows individuals who need financing, to gain funds to attend college, without having to depend solely on conventional student loans.

The declaration of the act states that, “The United States can achieve its full economic and social potential as a nation, only if every individual has the opportunity to contribute to the full extent of his capabilities and to participate in the workings of our society. It is, therefore, the policy of the United States to eliminate the paradox of poverty in the midst of plenty in this Nation by opening to everyone the opportunity for education and training, the opportunity to work, and the opportunity to live in decency and dignity.” Below is a detailed description of the requirements according to the Act:

● The work is related to the student’s educational objective
● Will not result in the displacement of employed workers or impair existing contracts for services
● Will be governed by such conditions of employment as will be appropriate and reasonable in light of such factors as the type of work performed, geographical region, and proficiency of the employee
● No such work shall involve the construction, operation, or maintenance of so much of any facility used or to be used for sectarian instruction, or as a place for religious worship.

Who Qualifies For Federal Work Study?

To know if you qualify, you must first apply through a Free Application for Federal Student Aid (FAFSA) application. You must provide the basic requirements highlighted below, as well as prove that you have financial need. The FAFSA is a completely free online application that can help students qualify for over $150 billion dollars in grants.

Filling out a FAFSA takes approximately 30 minutes. You should fill one out even if you don’t think you qualify. There are numerous grants and finance opportunities available for students.
Most colleges and school advisors will walk you through the application, so there is no need to pay anyone to fill out this application for you.

To qualify for state or federal funding, you will need to pass the Expected Family Contribution (EFC) guidelines. The EFC measures your family’s financial strength and is used to determine your eligibility for federal student aid. Qualification varies from household to household. The way your need is determined, is the cost of attendance minus expected family contribution. You must also meet these basic qualifications:

● A high school diploma or GED
● Are accepted into a college or university
● Have a social security number or eligible non-citizen card
● Not owe any other federal student loans
● Must maintain a satisfactory academic grade and attendance
● Must be pursuing a first Bachelor’s degree

All grants are on a first come, first served basis. Therefore, you should apply as soon as you can. Every individual state and college, determine the due date for the FAFSA application. You can see a list of deadlines in this guide. The Board of Education also lists deadlines on their website. As an example, for the 2015–16 school year, applications need to be in Jan. 1, 2015, and June 30, 2016. For the best possible outcome, you should contact your school’s financial aid office to get exact dates for your school of choice.

In Conclusion

There are finance options other than student loans to help students achieve their goals of attending college. The Federal Work Study Program is one of them. Currently there are over 3,400 participants receiving Federal Work Study awards. This program is a wonderful chance to have flexible employment while also gaining relevant career skills. It seems like FWS is a win-win situation for local public agencies, as well as those who gain the opportunity to work with the future employees of their agencies.

The post A Guide to the Federal Work Study Program (FWS) appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/guide-federal-work-study-program/feed/ 0
The $5775 Pell Grant http://www.singlemoms.org/5775-pell-grant/ http://www.singlemoms.org/5775-pell-grant/#respond Fri, 15 Apr 2016 16:36:02 +0000 http://www.singlemoms.org/?p=1901 Approximately 83% of Americans say they can’t afford college. Although an education is considered important to the majority of families, most believe the cost of an education is completely unaffordable and therefore, don’t consider it a viable option. The truth is the federal government has a financial assistance system in place specifically for low-income individuals. […]

The post The $5775 Pell Grant appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
Approximately 83% of Americans say they can’t afford college. Although an education is considered important to the majority of families, most believe the cost of an education is completely unaffordable and therefore, don’t consider it a viable option. The truth is the federal government has a financial assistance system in place specifically for low-income individuals. Furthermore the less your income the higher the grant amount you could be awarded.

There are many types of grants available to students. We will focus on the Federal Pell Grant. Every year the Pell Grant allows over 3 million students to attend college. In addition, the government provides over 150 billion dollars in grants yearly. If you have thought about attending college but fear you can’t afford the tuition please read on.

Recently the Huffington Post conducted a survey where a majority agreed that a college education is necessary in order to get ahead in life, compared to just 28 percent who said it was not. Another interesting survey conducted in 2015 stated that 70% of working adults hate their jobs. Are you one of them? If you are it is imperative that you know you have options.

What is the $5775 Pell Grant?

The Pell Grant was created back in 1972. A Pell Grant is money the U.S. government provides for low-income students. More and more students qualify for grants and the amount usually increases every year. A Pell Grant does not need to be paid back. If you qualify you can be awarded a maximum of $5775 according to your need on a yearly basis.

How Do I Qualify?

Federal Pell Grants are limited to students with financial need, who have not yet earned a bachelor’s degree, or who are enrolled in certain post-baccalaureate program through participating institutions. They use a formula called the Expected Family Contribution or EFC to determine your eligibility and award amount. Working full time does not automatically disqualify you. We will discuss the requirements in detail below.

How Do I Apply?

The first step is completing and submitting a Free Application for Federal Student Aid. Applying online is free and gives you access to many sources of financial aid to pay for college or career school. Your FAFSA application is used by the Department of Education to determine which assistance if any, you qualify for. This application will be intricate, it’s important you are as honest as possible when filling out the form. This is a federal document and should be treated as such. You can also ask for assistance in filling out the FAFSA. Start by calling your school’s registrar office. Inform them you would like to come in for assistance on filling out the FAFSA form. They will not charge you. Remember to bring your W2’s, paystubs, expenses etc.

Facts About Pell Grants:

  • A Federal Pell Grant does not have to be repaid.
  • Beginning 2015 you can receive a maximum of $5775.
  • The amount depends on your financial need.
  • You can have full-time or part-time student status.
  • Students may not receive Federal Pell Grant funds from more than one school at a time.
  • You must plan to attend school for a full academic year.
  • Participating institutions either credit the Federal Pell Grant funds to the student’s school account, pay the student directly or combine these methods.

Which College Can I Attend?

Students have a choice of over 5,400 participating postsecondary institutions. If you are concerned that your college won’t accept you because of financial assistance or a grant don’t be, students who receive financial assistance are considered a high priority for enrollment. Click here for a list of colleges who accept the federal Pell Grant.

How Do They Decide If I Qualify For A Pell Grant?

According to the U.S Department of Education, there is a basic formula that is used to distinguish which students have a higher financial need. Along with the basic requirements, income plays the largest role in qualification as grants are income based. Below are the basics on determination:

  • The student’s expected family contribution (EFC)
  • The cost of attendance (as determined by the institution)
  • The student’s enrollment status (full-time or part-time)
  • Whether the student attends for a full academic year
  • Being a citizen or eligible noncitizen of the United States.
  • Having a valid Social Security Number.
  • Having a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling.
  • Be enrolled in an eligible program as a regular student seeking a degree or certificate.
  • Maintain satisfactory academic progress.
  • Not owe a refund on a federal student grant or be in default on a federal student loan.
  • Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans).

How is the EFC Determined?

  1. If the student is independent the EFC is determined by the student’s income and assets. If the student lives at home, the parents income and assets will be factored in the formula.
  2. The family’s household size, and the number of family members.

The EFC will be a sum of the percentage of the remaining income after subtracting allowances for basic living expenses and taxes. (2) a percentage of net assets remaining after subtracting an asset protection allowance. It is important to note that your Expected Family Contribution is not the amount your family will have to pay for college nor is it the amount of federal student aid you will be awarded. After your application is submitted, The Board of Education and your college will calculate your financial need and determine how much aid you will receive.

What Other Federal Grants for School are There?

Pell Grants are given automatically when you apply via the FAFSA and are given student aid, with the amount determined based on your need. But there are other grants.

  • TEACH Grant — another federal grant that’s given out for students in specific education areas
  • FSEOG 
  • Perkins Loan — a federally backed loan given out in pre-approved amounts when you apply with the FAFSA.

In conclusion, we hope we have shed some light on your options for paying for college. Although it shouldn’t be considered the only way, it should definitely be in your arsenal. Therefore, if you were considering attending college and meet all of the above criteria, you should apply for a Free Application for Federal Student Aid today.

We also encourage you to read our how to pay for school article and our financial aid article.

The post The $5775 Pell Grant appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/5775-pell-grant/feed/ 0
The Parental Guide on How to Handle Your Child’s Nightmare Dreams http://www.singlemoms.org/how-to-handle-your-childs-nightmare-dreams/ http://www.singlemoms.org/how-to-handle-your-childs-nightmare-dreams/#respond Fri, 01 Apr 2016 08:27:53 +0000 http://www.singlemoms.org/?p=1868 One topic that often doesn’t get discussed when talking about raising kids is how to deal with our children and their dreams. What does it mean when your child dreams about going on a wild adventure with his friends or has a nightmare about the world coming to an end? Most parents rarely discuss the […]

The post The Parental Guide on How to Handle Your Child’s Nightmare Dreams appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
children dreaming guide
One topic that often doesn’t get discussed when talking about raising kids is how to deal with our children and their dreams. What does it mean when your child dreams about going on a wild adventure with his friends or has a nightmare about the world coming to an end?

Most parents rarely discuss the topic of dreams with their kids because it is something that we simply don’t know too much about. We already know that everyone dreams, but do those dreams have any meaning or are they simply thoughts in our heads?

When it comes to interpreting and understanding the dreams, most researchers are split on how to interpret dreams. Some people believe that dreams are a collection of our unconscious thoughts, feelings, desires, fears and emotions that are being reflected in the dream.

By interpreting specific symbols inside the dream, you can discover underlying clues to fears, anxieties, hopes, urges or aspirations that are within the dreamer.

Other psychologists believe that dreams are simply a matter of brain activity and have no meaning what at all. While it would be easy to brush our dreams off as simply a matter of brain activity when we sleep, most people can attest to having some pretty powerful dreams at some point in their lives.

When it comes to understanding what do dreams mean, unfortunately there is no universal handbook that you can read that will uncover the meaning of your dream. Dream interpretation, is by it’s nature, more of an art than a science and interpretations can vary wildly depending on who you talk to.

While there are dream dictionaries available online and many dream books that have been written, these dreams provide general interpretations, but cannot take into account the context of your life in determining the meaning of the dream.

If you believe that our dreams are a collection of our unconscious thoughts, feelings, desires, fears and emotions, then it would be logical to point out that most dreams that your child has are simply a reflection of their state of mind before bed.

Circumstances That Can Affect Your Child’s Dream

Most parents don’t realize that a child’s dream can often reflect circumstances in their lives. Since children do not have any control over things that have a big impact of their lives, their dreams will often reflect that lack of control.

1. Going through a Bitter Divorce

A child who is dealing with their family going through a bitter divorce is more likely to have troubled dreams than a child who is in a stable environment. Don’t be surprised if your child has a difficult time sleeping if there is a lot of trouble brewing in the home.

This is why it is important as a parent to protect your child from any arguments that you have with their father. No matter how much you may not like the father of your children, you should always try and avoid conflict when your children are involved.

2. Being Bullied at School

Sometimes a child’s dream may provide clues to things the root cause of the dream. If your child is being bullied or tormented in school, these things could have a big impact on their psychology and wellbeing. If your child is having a difficult time sleeping because of bad dreams, it is important to ask the right questions and try to find the root of the problem.

You should also realize that bad dreams are common among children, so you should never just assume something bad is happening to your child if they have a bad dream. These dreams happen to everyone.

3. Watching Scary Movies

Our children have huge imaginations that can often run wild if you give them a chance. This is why kids are afraid of the dark and worried about monsters that may be hidden inside of the closet. Because of these large imaginations, it is important that you shield your child from watching things that can cause problems when they sleep.

If you allow you child to watch a scary movie, there is a very good chance that they will end up having a nightmare about that movie.

While it is easy to get caught up in your own problems, it is important that you pay attention to what your child is watching. Is the stuff on TV good for their education and development or is it simply for entertainment?

Scary movies and cartoons are one of the biggest reasons why children have bad dreams at night. Filtering the content of what your child watches is something that every parent should do.

4. Bad News on TV

Another thing that could have an impact on your child’s dream is a natural disaster or terrorist events that occur. Because these events are covered all over the media, it is easy for a child to start fearing things that they see on the news.

While you are far more likely to get hit crossing the street by a car, then being killed in a terrorist attack, fear is a powerful emotion that can cause people to worry about things they have no control over.

If you are worried and anxious about something, there is a good chance that your child will pick up on that fear and start to worry also. Remember that you should lead by example. Whenever a bad event happens on the news you need to explain to your child that everything is fine and that bad things happen from time to time.

5. Other Reasons

These are just a few things that may affect your child’s dream, but the reality is that everything they do in their lives will have an impact on their dreams. Don’t get caught up trying to play the role of psychologist with your child. If you think there are some underlying issues that your child is experiencing that may be causing the dreams, take your child to a psychologist or doctor for professional advice.

Childrens’ Nightmares and Bad Dreams

Have you ever been woken up in the middle of the night because your child just had a nightmare? Nightmares and bad dreams are very common in children as they are growing and developing their minds.

Children who have big imaginations can often have nightmares that involve bad characters from movies, or TV shows that they watch. If your child is afraid of the dark and believes there is something hiding under the bed or the closet, that fear can be realized into their dreams.

What Should You Do When Your Child Has a Nightmare?

Whenever your child has a bad dream or a nightmare the first thing you should do is give them a big hug and kiss. Comforting them and tell them that dreams are a part of growing up. We all dream good things and bad things, whether we want to or not.

After you have calmed down your child, ask them to explain the content of their dream. Often talking about a bad dream and explaining to your child why it could never come true can remove some of the fear about the dream.

Once you learn about the dream you can see if there is a dream scenario that you can identify the dream to. For example, did your child dream about being chased (chase dream) or was there a natural disaster that happened? The subject of dream interpretation is not concrete, but there are common themes you can pick out from a dream.

An example of this would be if your child had a nightmare about being abandoned by you, it could indicate an internal fear that is unrealistic. By showing your child that this dream could never come true, that can help ease some of the tension that they experience.

Common Nightmares that Kids Have

There are some of the more common nightmares your kids might have.

1. Dangerous Animal Dreams

Dreaming about being attacked by a shark, snake, crocodile or bear is a common dream that many children have. Children can often use these animals to represent an internal fear of a bad person or situation that may happen in the future.

2. Abandonment Dreams

Dreaming about being abandoned is a common dream that many children experience at some point in their lives. These dreams are a reflection of an internal fear of being left alone or abandoned by the family. While these dreams are never based in a merit, that doesn’t stop the unconscious mind of a child from imagining the worst case scenario.

3. Monster Dreams

Given the wild imagination of a child, it is not surprising that children dream about monsters. Monster dreams are very common, especially for children who are afraid of the dark and fear the unknown. Sometimes monsters in a dream can represent bad feelings or emotions in the mind of the child that are being projected into the dream.

A child being bullied may dream about a monster that they cannot escape from, no matter how hard they try. Conversely, monster dreams could be a result from watching too many bad movies or reading scary books.

4. Getting Lost Dreams

 Another common dream that children have is getting lost somewhere. Whether the child is in a store, park, building or city, the dream always ends up with them being lost and unable to find their family.

Sometimes these dreams reflect the child’s inner fear of being abandoned or lost in the real world, while others times the dreams could indicate a child that is

5. Kidnap Dreams

Dreaming about being taken or kidnapped is another nightmare that children will commonly have. These dreams may reflect a feeling of helplessness that the child feels in the waking circumstances. Perhaps the family is going through a bitter divorce or there is a lot of arguing and fighting in the home.

Conversely, maybe the child is starting a new environment and they are afraid of what may happen in the environment. Other times these are just inner fears that have no basis in reality.

 6. Toys Coming to Live Dreams

Dreaming about a doll or toy that comes to life is another dream that is common among children. This was a particular nightmare that I had when I was a child after I watched the move “Chucky.” I can still remember dreaming about every doll wanting to kill me after seeing that movie.

Watching a movie or seeing cartoons with toys that are alive can often make the child dream of bizarre things like toys and dolls that are coming to life. These dreams aren’t necessarily always nightmares, but they certainly can turn into them.

7. Paralyzed Dreams

Nothing is more frightening than being stuck in a situation or environment and being unable to move out from it. You could imagine how your child must feel if they get stuck in quicksand or in a situation when they are unable to move.

8. Chase Dreams

One of the most common nightmares that children experience is being chased in a dream. Often the thing chasing the child is something that is either a monster or a bad person. If your child ever dreams about being chased, they will wake up in a panic and will need you to help calm them down.

These dreams are not only fearful for children, but they are also terrifying for adults. Being chased in a dream can indicate a number of things depending on the context of the dream.

How to Interpret Dreams Your Kid Has

When it comes to interpreting dreams it is important to understand that this field is extremely subjective. As I mentioned before, most people agree that dreams are a collection of our thoughts, feelings, emotions, and past experiences that are being projected. However, trying to find the meaning of a particular dream is a difficult task because it requires you to look at the individual circumstance of the dreamer.

There are many websites that offer dream interpretations and dream dictionaries that allow you to look up particular symbols in the dream and see what possible meanings these dream could be. However, when it comes to interpreting a child’s dream, you shouldn’t try to play the role of psychologist.

It is important to explain to your child that dreams are a natural part of life and that we all have good dreams and bad ones from time to time. Comfort your child and let them know how much you love them. As long as they feel safe and protected, that is the most important thing you can do if your child has an impactful dream.

Final Thoughts

As a parent it is important to understand that your children are experiencing dreams just like you do. Don’t be afraid to ask your child about their dreams and see what kind of topics they are dreaming about.

Did they dream about acing a test in school, being a professional basketball player, or even inventing something new? Dreams can often indicate how your child views himself in the world.

You may be able to learn something about your child by talking to them about their dreams. Dreaming is something that makes us humans so don’t be afraid to embrace it.

Please note* This is not professional advice. If your child has trouble sleeping or suffers from emotional issues, make sure you take them to a doctor or psychologist who can help you. I am not a professional and this dream is only an opinion.

Dream Resources

 

The post The Parental Guide on How to Handle Your Child’s Nightmare Dreams appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/how-to-handle-your-childs-nightmare-dreams/feed/ 0
Child Care Assistance for Single Mothers http://www.singlemoms.org/child-care-assistance-for-single-mothers/ http://www.singlemoms.org/child-care-assistance-for-single-mothers/#comments Fri, 25 Mar 2016 06:53:48 +0000 http://www.singlemoms.org/?p=1860 On average, a school-aged child will spend 36 hours a week in child care. Any working parent can tell you that one of their greatest concerns is daycare. Even in a two parent home, daycare expenses can consume a large portion of a monthly income. This can easily leave parents with a shortage on other […]

The post Child Care Assistance for Single Mothers appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
child care assistance programs for single moms
On average, a school-aged child will spend 36 hours a week in child care. Any working parent can tell you that one of their greatest concerns is daycare. Even in a two parent home, daycare expenses can consume a large portion of a monthly income. This can easily leave parents with a shortage on other equally important expenses. In an average single parent home, daycare expenses can be completely unaffordable. According to the 2014 U.S census, there are over 13 million single parents raising over 21 million children. In addition to childcare costs, finding someone who is both qualified and trustworthy proves to be extremely challenging.

An article found in the Washington Post, states that daycare costs surpass college tuition. Furthermore, America currently has the highest childcare costs for children under five. The average yearly cost for daycare in cities like New York is approximately $14,500. Massachusetts surpasses NY at an astonishing $16,500 a year. In this article, we will discuss options available to parents, as well as money saving tips for daycare expenses.

Child Care Options: What Are Your Choices

Below, we gathered an extensive list of childcare services and other resources available to parents. We have included price averages and tips to help you make an informed decision.

Day Care 

Daycare is by far the most common form of childcare. Parents drop off their children during work hours, which are usually between 7 am and 6 pm. A legitimate daycare is a licensed business with a specific schedule. Most daycare centers tend to specialize in infants through preschoolers. Some daycare facilities offer before-and-after school care for school aged children.

Daycare is an economically booming business and the facilities can be quite competitive with each other. This dynamic gives parents options when it comes to what services they want their children to receive. There are daycare facilities that are specialized for infants, school-age children and children with special needs. Many daycares offer such services as tutoring, homework-help, and extracurricular activities.

It is very important when in the process of choosing a daycare, that you check with your state to determine their licensing and regulation requirements. Also, it is advisable to ask other parents for their opinions, and check online reviews. Here is a list of what to look for in a day care.  The average price for daycare is $188 per week per child.

Family Home Daycare

Family home providers care for children in their own home. Usually, there is a ratio of roughly five children to one adult, according to what your state regulations are. Family home daycare can offer a more personalized and individual service. They care for infants through school-age children. The hours are also flexible. It is extremely vital to make sure the family home daycare of your choice is licensed by the state. Providers are required to take yearly training and keep their license displayed where it is easily visible. States have very specific rules when it comes to safety requirements, the age of child, and capacity. Click here to find a statewide providers list. The average price for family home daycare is $140 per week.

Private Nanny

Hiring a nanny can be a very convenient option for the working parent. A nanny will work around your schedule and provide care at your home. When hiring a nanny you have multiple options. You can go by referrals from friends and family, you can place an ad online or you can hire through an agency. It is highly recommended that you check references and run a background search regardless of which method you choose. Click here for a list of childcare agencies. A private nanny can also live in, handle personal services like wash clothes, cook and clean. The average price for a private nanny is $470 a week.

Baby Nurse

A baby nurse specializes in care for newborns. They’re educated, trained and skilled in all areas of infant care. They usually work with new parents anywhere from a couple of weeks to possibly a couple of months depending on the parents preference. Many new parents hire baby nurses to help teach them good feeding and sleeping patterns. The average price for a baby nurse is $600 a week.

Family Members

At times, parents need to rely on family. Having a family member care for your child is convenient, affordable and will allow you the peace of mind of knowing your child is in the best hands. Although most parents would prefer a family member, it’s not always an option.

Speaking with other parents is key as you might have a neighbor who has children your child’s age that can use the extra income. Just keep in mind if you don’t personally know the person a background check is always recommended.

Quitting Your Job

This would be a last resort and is more common than you think. Many parents find themselves paying more from childcare than they earn at work. This works better in a two parent home where one parent can stay home and care for the children while the other works. Before you make a drastic decision, study your options. Below is a list of financial assistance and subsidies for child care.

Federal / State Childcare Assistance

The below list consists of federal or state programs that assist low income families with child care resources, employment, training or education.

Office of Children and Family Services

The Office of Children and Family Services supports low-income families with resources and financial assistance. They can guide you in finding affordable child care and can even assist financially if you qualify. They also promote education and afterschool programs. OCFS offers a list of statewide resources and programs on their website. You can also go in person and speak directly with a social worker. Call ahead in case you need to make an appointment.

Child Care and Development Fund

The Child Care and Development Fund provides assistance to low-income families who need child care due to attending school or working full time. They also provide work-related training. In order to qualify, you must be a parent or primary caregiver for children under the age of 13 years of age. You would also qualify if your child under 19 has special needs.

Child Care Subsidy for Federal Employees

Child care subsidy programs for federal employees provides financial assistance to eligible families. Their programs assist employees with child care by assisting parents in finding a licensed family care home or child care center. Parents of children ages infant to 12 may qualify.

Temporary Assistance for Needy Families

TANF is a government program that assists low income families with a wide range of services. Every state has their own requirements and deadlines. Please visit the above link to be directed to your local office.

Head Start / Early Head Start

Head Start is a federally funded program that provides free child care and other services to help eligible families. Headstart is for children under the age of five who are preparing to go to school. To qualify you would have to meet federal poverty guidelines.

Non Profit Organizations Childcare Assistance

The below organizations are not for profit. Each organization has their own list of programs in which you would need to meet specific qualifications. This list serves as a great resource for parents looking for child care, employment or emergency resources.

The National Association of Child Care Resource and Referral Agencies

The NACCR works directly with the Department of Defense in assisting military members with childcare. They have a statewide referral list that can connect parents to affordable child care providers.

Bridge To Benefits

The Bridge To Benefits Child Care assistance program assists parents who are low income pay for childcare. Parents would need to be working, looking for work or enrolled in an educational course.

National Urban League

The National Urban League assists adults with educational programs, career counseling, and advancement. Their goal is self-sufficiency. They have nationwide offices that serve as an excellent resource for parents looking for community assistance.

Soroptimist

The Soroptimist provides single women by giving them employment projects, career building, and educational resources.

The Sunshine Lady Foundation

The Sunshine Lady Foundation provides scholarships nationally through local agencies to women who have left a domestic situation and who are pursuing an education. Their focus is to provide economic independence for women and their children.

Parents Without Partners

Parents with Parents is an international nonprofit agency who assists single parents and their children. They provide resources, support, education and networking for single parents.

Helping Hands for Single Moms

Helping Hands provides assistance to single parents with educational grants, emergency funds, household assistance and other resources.

Ronald McDonald House Charities

The RMHC assists parents of ill children with housing and medical resources. They also provide financial assistance.

The YMCA

The YMCA provides child care at a very low cost. They also have reading, writing, and extra curricular activities for children and teenagers.

Other Saving Tips for Daycare Expenses

Many employers assist with childcare expenses. You should contact your corporate office or HR manager who can provide you with options.Programs such as FSA, WageWorks and Spending Accounts provide parents with a pre-tax benefit account used to pay for dependent care services. They can cover preschool, summer camp, before or after school programs, and daycare. Having this set up through your employer can save you on average 30% a year. That’s about $4000 a year!

Get Insurance Rebates for Daycare Expenses

Many insurance plans have specific coverage for household expenses. Nationwide is well known for having this sort of plan. If you are paying for life or car insurance ask your provider for information on child care expenses. Chances are if they don’t have it, they will have an affiliate or referral.

Day Care and Child Care Coverage by Nationwide

They cover emergency medical expenses, accidents, and daycare.

Cigna Reimbursement For Daycare Expenses

Pre-tax contributions that are used for child care expenses.

Aetna Eligible Care Expenses

Reimbursement for after school and daycare expenses. Also may cover tuition, preschool and nursery charges.

Shared Babysitting

Some parents hire a babysitter and share the costs with other parents. At time you get a discount for additional children.

Babysitting Cooperative

If you don’t know of one maybe you should start it. A baby co-op is a couple of parents who get together and take care of each other’s children. Its casual and a great way for everyone to save!

Public Library

Many libraries offer after school activities for children. You can also count on them to be educational. A library is also a great place to network and look for postings on other child care services.

The post Child Care Assistance for Single Mothers appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/child-care-assistance-for-single-mothers/feed/ 1
New Single Dad: Where to Start http://www.singlemoms.org/new-single-dad-where-to-start/ http://www.singlemoms.org/new-single-dad-where-to-start/#respond Tue, 22 Mar 2016 06:04:50 +0000 http://www.singlemoms.org/?p=1855 Though this website is dedicated to SingleMoms, we also don’t want to forget that there are also just as many single dads out there, struggling to raise a family on their own. Many of the issues single moms struggle with — raising kids alone, trying to work while having to raise kids, etc, are also […]

The post New Single Dad: Where to Start appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
Though this website is dedicated to SingleMoms, we also don’t want to forget that there are also just as many single dads out there, struggling to raise a family on their own. Many of the issues single moms struggle with — raising kids alone, trying to work while having to raise kids, etc, are also faced by single fathers too. While there may be some advantages for single fathers when it comes to finding a job (yes, there is a gender bias in the work place that favors men), men also face a lot of issues women don’t. For example, many of the assistance programs out there are geared for WOMEN and CHILDREN, but not for single fathers. We will be having a series of articles just for single dads shortly.

A New Single Father…Where To Start

Everyone who gets married thinks that it will be forever. You hope to build a life with this person, and imagine a future together. Maybe you’ll start a family and buy a home together. You certainly don’t tie the knot imagining that you might get divorced one day. Sadly, things don’t always work out as you planned. Divorce is extremely common, with a hefty percentage of marriages failing – many of them involving children. And although in the majority of cases the mother takes custody of the children, a significant minority of single-parent families will be headed by a father.

In the last half-century, the number of single-father households has increased significantly, and now numbers more than 2.6 million. This means that a lot of men are facing new challenges and may need some hints on the practical and emotional matters involved. Here is what you need to understand to get started as a new single dad.

Emotional Issues

Becoming a single father doesn’t just mean changes for you; your children will have to adjust to seeing less of their mother and maybe moving to a new place. They may also feel that the split was somehow their fault. So the key is to be open and talk about it. Let them know that they can talk to you any time about what has happened and how they feel. Make it clear to the kids that they are not responsible in any way for the separation, or for repairing the relationship. Talking and openness helps everyone concerned.

Although you are mourning the loss of your relationship and familiar life, you shouldn’t dwell too much on what has gone wrong. You need to get on with building a new life for yourself and your children. Living in the past and trying to figure out everything that went wrong won’t help. Therapy may be useful, however, to help you understand and avoid repeating the same mistakes in future relationships.

The kids can help with daily chores

Don’t let guilt make you overcompensate and do everything for the family. Most children can help with suitable chores for their age. It may be helpful to draw up a chart and allocate certain chores to each child. Participating in the household routine will help them feel involved and understand that everyone needs to contribute to running a home.

Set Some Rules

Setting rules will make it clear what is and isn’t acceptable, and will help avoid many problems. For example, you can cover a lot of issues by making one of the rules that nobody should cause more work for others. This will help the kids understand that they shouldn’t leave the bathroom messy or leave toys all over the place for someone else to clear up.

Teach them to put dirty dishes straight in the dishwasher, rather than in the sink or on the worktop. Food or drink should stay in the kitchen or dining room, and not in bedrooms or the lounge where it can get spilled on carpets. Also, tell them to keep hands off the walls, to avoid marking them.

Designate laundry days

When you’re raising a family, there’ll be a lot of laundry to do. You need to wash clothing regularly or the laundry will soon pile up. Make it easier by designating days to put the washing machine on. Older kids can take care of their own laundry; just show them how the machine operates. Make sure that the clothes are separated into whites and non-whites, so that you avoid any mishaps like having a stray red sock turn your white shirts pink! An easy way to ensure this doesn’t happen is to buy a dual laundry basket that has one space for whites and another for non-whites.

Accept help

As a single dad, you’re not necessarily helpless, but if people offer help then don’t be too proud to accept. You’re taking on two roles, so appreciate that you can’t manage to do every single task on your own – there just isn’t enough time. If you need someone to show you how to do something, ask for help. It may also be helpful to employ a cleaner, so that you can spend more of your free time with your kids rather than doing chores around the house.

Technology can help

Now that you have to take care of everything yourself, turn to technology for assistance. There are many useful apps that will remind you of important appointments, such as taking your kids to a sports session or doctor’s appointment. You can also use apps for dealing with your finances.

Think ahead

You’ll need to think ahead so that you can deal with your children’s needs. Make sure that you carry the things they’ll need with you when you take them out. You will also need to prepare them for life changes like starting school.

Starting a new relationship

At some point, you might think about starting a new relationship. Dating as a single dad is different from when you were just a single guy, and you’ll want to find someone who understands that your kids come first in your life. That could be another single parent, or a woman without children who appreciates that you might have to cancel if the kids are sick or your sitter cancels. But there are women who can handle dating a single dad, so don’t give up hope. It’s wise though to give a little thought to what lessons you should learn from your past relationships and what you want from a new one.

Be proud of your single-dad status

You might be wary of telling potential dates that you’re a single dad, but the right one will be impressed by the fact that you’re caring for your kids alone. She won’t feel that she’ll have to compete for your time and attention. So don’t try to hide your status – be proud of it, and of your kids.

Get Dadvice Online

There are millions of single dads in the United States and likely, hundreds of millions around the world. Being a single father is NO new thing. There are plenty of online resources that offer help for single dads — parenting advice for dads, financial help for single dads, or simply places to share your own painful stories. ‘No man is an island’ so the phrase goes. Look for help online and you will find it. At the very least, you can find a community of other like-minded single dads to share and get advice from.

We recommend you check out SingleDaddy.org for advice for single fathers. Also look at parenting.com — there are some articles geared for single fathers.

The post New Single Dad: Where to Start appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/new-single-dad-where-to-start/feed/ 0
Blood Plasma Donation: How to Make Money Donating Blood http://www.singlemoms.org/blood-plasma-donation-how-to-make-money-donating-blood/ http://www.singlemoms.org/blood-plasma-donation-how-to-make-money-donating-blood/#respond Tue, 01 Mar 2016 09:57:02 +0000 http://www.singlemoms.org/?p=1832 Are you a good candidate to donate blood plasma, and give “the gift of life” to someone suffering from a chronic disease? Needles aren’t for everyone. If you are squeamish then this might not be the way for you to get a quick cash injection. Plasma collection centers all across the US, pay for the […]

The post Blood Plasma Donation: How to Make Money Donating Blood appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
Are you a good candidate to donate blood plasma, and give “the gift of life” to someone suffering from a chronic disease?

Needles aren’t for everyone. If you are squeamish then this might not be the way for you to get a quick cash injection. Plasma collection centers all across the US, pay for the time it takes to harvest the plasma from you. So in today’s cash strapped world it might be an option, when you need a few extra dollars in your pocket.

What is Blood Plasma?

Blood plasma is made up of water and essential proteins. These are nutrients that are carried all over your body, and used to keep your body functioning properly. These substances are also used in treatments for a lot of chronic, and often genetic, life threatening diseases all over the world. These therapies are called Plasma Protein Therapies. Patients on these treatments will require transfusions, or injections of these essential proteins for the duration of their lives. And at this time, there is no chemical or synthetic substitute. So it’s human blood proteins or bust.

 Who can Donate?

Because diseases like HIV and Hepatitis C can be transmitted through blood plasma, there are very strict requirements for donating. Any potential donors need to disclose their full medical history, undergo a physical examination, and a series of blood tests. You also have to have a suitable level of protein in your blood, and not suffer from anaemia.

There are other requirements, you must be at least 18 years old, weight over 110 pounds, and not have had a piercing or tattoo done in the last 12 months. If you are looking to become a regular donor, centers also advise that you follow a diet that includes 50 to 80 grams of protein intake daily.

Remember your ID. You will need to produce it to donate.

How to Donate?

According to our research a first visit to a collection center, could take up to two hours out of your day. Depending on how busy the center is, it may take longer. But the procedure seems to be quite standard across the board.

You will receive a form about your medical history that you will have to fill in. This will also include questions about your sexual behaviour, body art and piercings etc. They urge all candidates to be truthful, and disclose any medication or treatments you may be on. This is vital since people’s lives are at risk.

Then you will have to undergo a medical examination to determine your state of health. If you are sick it could jeopardize, not only your own health, but also that of the recipient of the plasma therapy.

After this you go for a small blood test to determine if your protein levels are satisfactory. If they are, and you test non-reactive for HIV and other diseases, you will be able to be a donor.

The process seems quite straightforward. You will be taken to a collection area and made to sit down on a comfortable chair.  A needle will be inserted into your arm, in much the same way that this would happen if you were donating blood. The difference comes in that once collected, your blood is run through a centrifuge, where the plasma is then removed from your red blood cells. The plasma is collected while the red blood cells are pumped back into your body. This process is called plasmapheresis.

How Often Can You Donate?

All the literature says that you can donate once or twice a week in the US. However European doctors recommend only donating twice a month to ensure you stay healthy.

How to Get Paid?

In the past collection centers would hand out cash or checks for successful donations. Those days are gone. What they have resorted to using now, is a form of debit card payment. Once you have made a successful donation, the bag with your plasma and ID number will be entered into the system. Once that happens your Donor Debit Card will be debited with the payment automatically. Some centers even have an ATM on site for your convenience, ensuring you can reach your money right away.

From our research it seems the amount paid is center and area dependant. It seems to range from $10 to $60 a donation. For more information you would have to find a donation center near you. http://donatingplasma.org/donation/find-a-donor-center

Preparing to Donate. How to Avoid Side-effects:

It is very important to make sure that you prepare yourself properly before donating.

Remember you will be taking essential nutrients and fluids out of your body. This can lead to dehydration which can cause dizziness, and in some cases blackouts. So make sure that you drink plenty of water the day before donating. Also keep in mind that your electrolytes will be low afterwards, so you will need to supplement them. Drinking a sports drink or two should help with that.

Make sure you follow the prescribed diet. This will ensure there is enough protein for your donation and your body.

Another thing to consider is that long term donating can often lead to scarring in your veins. This makes them weaker. Sores can also develop over time. So take care of yourself.

You may also find that your immune system is depleted after donating. This is because immunoglobin is part of the plasma being removed from your body. Over time this can leave you feeling run down, and you could experience sever exhaustion.

An anticoagulant called sodium citrate, is often used to stop your blood from clotting during the procedure. This can lead to a calcium deficiency in your body. The sodium citrate bonds with the calcium in your blood making it unavailable for your cells to use. This can cause hypocalcaemia which can be fatal. But this is only over time. So if you plan to donate often it would be prudent to ask the medical staff at the center about this.

As a means to scoring some cash for a little extra effort, this isn’t a bad idea. However, your health is important and should never be compromised.

The post Blood Plasma Donation: How to Make Money Donating Blood appeared first on SingleMoms.org - Financial Help, Parenting, Lifestyle.

]]>
http://www.singlemoms.org/blood-plasma-donation-how-to-make-money-donating-blood/feed/ 0