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 Sun, 25 Sep 2016 04:01:30 +0000 en-US hourly 1 https://wordpress.org/?v=4.5.4 The Best Romance Books of All Time http://www.singlemoms.org/best-romance-books-of-all-time/ http://www.singlemoms.org/best-romance-books-of-all-time/#respond Mon, 12 Sep 2016 02:41:17 +0000 http://www.singlemoms.org/?p=2051 Romance novels are sexy, fun-to-read, and incredibly popular. With more than 9,000 titles published in 2013 in the U.S., it can be a tad difficult to find the best ones or know where to begin with the genre. It means that even though the titles and plots of many of these novels may look similar, […]

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best romance books

Romance novels are sexy, fun-to-read, and incredibly popular. With more than 9,000 titles published in 2013 in the U.S., it can be a tad difficult to find the best ones or know where to begin with the genre. It means that even though the titles and plots of many of these novels may look similar, they usually have something that sets them apart. It may also sound daunting to dive in, but you may want to make the effort considering that good romance novels can provide some real life love advice and even rev up your sex drive – or at least they serve as a fun beach read.

Romance junkies always make their mushy-gushy flag fly within the pages of a great romance book. It is true that a romantic novel with longing, love, and a bit of tragedy can always change your mind and even make you believe that true love exists and never dies.

If you are a fan of the romance genre, or you want to dip your toes into the genre, here some of the best romance books of all time; that is, those romantic novels that will sweep you off your feet and keep you coming back to the genre for more!

Nicolas Sparks’ “The Notebook”

Telling the touching story of Allie and Noah, pulled apart by social class, this one has to be on the list because it is one of best creations of Sparks, who is definitely amongst the best romance authors of all time. The book stands above the rest and is more popular, partly because of the classic 2004 film adaptation.

Boris Pasternak’s “Doctor Zhivago”

This 1957 masterpiece by Pasternak is what you should go for when you are in the mood for love. It received the Nobel Prize for Literature in1958. You will love the way Pasternak tells the story of the rich son of an industrialist who has to make touch life choices between family, career and the woman he meets during the Russian Revolution. Thanks to all the twists and turns, you just cannot put it down until you finish it. It is certainly one impressive read!

Audrey Niffenegger’s “The Time Traveler’s Wife”

Are you looking for one unique love story to satisfy your hunger for a romantic classic? Try “The Time Traveler’s Wife” that shares the story of a time traveler, Henry, whose relationship with his wife, Clare, evolves whenever he revisits his past. This page-turner is sure to keep you interested through the end.

Jojo Moyes’s “Me Before You”

The story is about Lou Clark who believes she knows everything about how the world works and Will Traynor who has no desire to live after being paralyzed in a motorcycle accident.  It all changes until Lou loses her job and agrees to take another one – a job that involves taking care of paralyzed Will.  How they both end up changing each other for good makes this book a must-read for all romance junkies. There is a movie adaptation of the book out now, starring Emilia Clarke and Sam Claflin.

Nicole Krauss’s “The History of Love”

Who would not want to read a book that promises to tell you the “history of love”?  The story is even more beautiful than the title is and unfolds in a breathtaking way. Do not expect it to be a boring “history” book – it is something way beyond that. It tells the story of Alma and Leo who are years apart but still find a connection between them.  It definitely deserves to be in your book collection.

Loretta Chase’s “Lord Perfect”

Loretta Chase is among the finest romance novelists, and “Lord Perfect” is without doubt her best work. The book tells the story of highly reserved and perfectly controlled man and a sharp, smart, and stubbornly independent woman. If you call yourself an independent woman, you will find a lot in this book to relate to and that is definitely one reason why the book sits great with romance junkies. You should start reading it, especially if you also want a dose of love and lust along the way.

Jane Austen’s “Pride and Prejudice”

If you love romantic novels, the chances are you already have “Pride and Prejudice” in your collection. In case you have not yet read it, you should. It is one of the very best works of Jane Austen. The book tells you how important it is to give everyone a second chance and never pay a lot of attention to first impressions.  The book shares the story of Elizabeth Bennet who faces the prospect of marriage along with her four sisters. It tells a lot about the dating game back in the 19th century and highlights how important it is for prejudice to disappear when you are in love.

Louisa May Alcott’s “Little Women”

If you are into 19th century classics, you should go get this novel today. It is a must-read for women who love this genre. It shares the story of four sisters and touches on topics like family love, sibling rivalries, poverty, priorities in life, and female independence. It is so amazing to read how a young woman manages to break the stereotype of females not competing with males. The book entertains you and definitely inspires your to put your thinking cap on to decide about your future.

Margaret Mitchell’s “Gone with the Wind”

It is Margaret Mitchell’s best work on war and love that even brought her the Pulitzer Prize. You can find a number of novels about the Civil War and its effects, but this novel takes you right into the burning cities and fields of the American South.  The way she has portrayed her characters and everything about the war, you may find the book a bit more on the historical side, but there is still a lot about southern belle Scarlett and bad boy Rhett in the book.   You are going to love the way the author has handled characters and situations throughout the book.

Rainbow Rowell’s “Eleanor & Park”

Reading “Eleanor & Park” shows how heart-wrenching young-adult romance can be. The story is about two odd kids, Eleanor and Park. The stage is set in 1986 Nebraska where Eleanor with her red hair and wrong clothes is in love with Park. Rowell approaches this sweet tale of young love in such exceptional way that it gets you in the feels right from the word go. Caution: the book may make you feel a bit nostalgic and make you remember all those fleeting first-love moments that you had in your teen years. Still, it is a great read and makes you smile while reading the way two star-crossed 16-year-olds fall in love despite being aware of the fact that first love almost never lasts.

Kathleen E. Woodiwiss’s “Shanna”

The plot is rather unique but is still romantic and somewhat lustful too. It is about Shanna who seals a pact behind the walls of Newgate Prison with a prisoner, Ruark Beauchamp. She ties the knot with Beauchamp because she only needs a husband in name and does this all just for a night of unparalleled pleasure.  The romance takes place in the Caribbean, America, and England and the way Kathleen has handled the plot is what makes it a true classic.  Be ready to witness some explicit love scenes that are sure to make your love life spicier than ever.

Lisa Kleypas’s “Devil in Winter”

The story is about Sebastian, Lord St. Vincent, who even played villain in a previous book, and that makes things a lot more exciting for those who have read Lisa Kleypas before.  While one might wonder how Klepas could redeem such a wicked character, you would certainly be surprised to read it. Amazingly, she manages to pull it off with style and expertly tells the story of Sebastian who embarks on a marriage of convenience with Evangeline Jenner, who is shy and is entitled to receive a fortune if she can somehow escape her deceitful relatives.  You will love every minute of reading this book and enjoy how an unrepentant rogue finds confidence and strength from love for total transformation.

Cecelia Ahern’s “P.S., I Love You’

If you are looking for a novel about letting go, holding on, and learning to love again, this is it. The story is about Holly and the way she copes the world after the death of her soul mate, Gerry.  Just when she starting to believe that she cannot move on, she finds a bundle of notes Gerry wrote before his death.  These notes were for Holly – one for each month, lasting a year. It is so amazing to read how Holly reads those notes and learns that love, live, and the pursuit of happiness is a never-ending journey. It is a great read and is nothing less than a captivating love letter to the world!

Stephenie Meyer’s “Twilight”

It is one of the very best books written on paranormal Young-Adult romance.  Twilight was actually an effort by Meyer to bring back paranormal YA romance and it certainly worked.  The book shares the whirlwind tales of vampires that deserves your attention. Love it or hate it, you just cannot argue the fact that the book has staying power.  Check it out and be part of a fascinating love story of Bella, an ordinary girl, who falls in love with Edward, a vampire.

More Reads?

If you want even more romance recommendations, here area a few good romance book resources that will give you some great suggestions:

NPR’s Romance List – a large, publicly compiled romantic books list

Best Romance Books – a collection of romance best lists

BuzzFeed’s Romantic List – BuzzFeed’s own list

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How to Become a Photographer as a Stay at Home Mom http://www.singlemoms.org/become-photographer-stay-home-mom/ http://www.singlemoms.org/become-photographer-stay-home-mom/#respond Thu, 04 Aug 2016 00:17:24 +0000 http://www.singlemoms.org/?p=2017 Becoming an amateur photographer is easy. If you wish to become a professional photographer, especially one that is trusted by the photographic community, you have a lot to learn. Photography is a massive subject, and it takes a long time to master every nuance. Your dedication to learning and your commitment to photography will determine […]

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photography tips for moms

Becoming an amateur photographer is easy. If you wish to become a professional photographer, especially one that is trusted by the photographic community, you have a lot to learn. Photography is a massive subject, and it takes a long time to master every nuance. Your dedication to learning and your commitment to photography will determine what type of photographer you become. Will you become a qualified, insured, licensed and professional photographer? Or, will you become a keen hobbyist that is occasionally hired or occasionally sells a photo?

Becoming a ‘Momtographer’ is a great career to pursue, either as the single mom or as a stay at home mom. You get to be your own boss, work (partly) from home, while also working with clients. It’s not easy being a photographer or to get enough work to make a full time income, but it’s one of those careers that you can a) learn on your own if you put in the effort and b) slowly work your way up get more jobs. In time, you might just be able to make a part time or full time income as your own boss.

Here’s how to get started on your path as a momtographer.

Start by learning how to shoot in manual mode

It will force you to learn what is going on around you and how the light dramatically alters your shots. Shutter priority and Aperture priority modes are great automatic settings, but they may make your job harder if you are not fully aware of how even slight differentials in light will affect your pictures.

Read Photography Tips Online

The web is a huge resource for improving photography. Start of by reading some photography tips, especially on websites about your specific photography area. For example, if you want to master wedding photography, you should be reading wedding photography blogs and watching tutorials on YouTube. You should ALSO put into practice what you study online. This might seem like common sense, but this is how you teach yourself photography.

Shoot in manual mode to make the editing process easier

Every shot you intend to sell, be it on the freelance market or be it pre-ordered, will need to be edited. If you shoot in manual mode, your exposure is very consistent, which will help make your editing process far easier and quicker. If you hone your manual shooting skills, you will get a better feel for your shots so that the science of shooting becomes more of an art.

Referrals are your best friends

They are free and they are the hottest leads you will ever get. They are also tremendous value for money. When people refer you to other people, it is their reputation they put on the line, and many times the new people trust you already. Much of your marketing process is already cut out. Many times, the referred people will want a few questions answering before making their order. Encourage referrals as much as you can.

Market and sell with a view to filling your diary

The occasions that require a photographer will often require months of planning. As a result, you are able to book weeks and months in advance. Your aim is not to secure your next booking; it is to fill up your diary with bookings. If you find yourself becoming more and more popular, then take deposits, and consider taking bigger deposits.

There are some shots that you should consider keeping

Obviously, if you take a bad shot, you should delete it right away. However, when you are handing over your shots to your client, you should only give over the best shots. The shots where they are not perfect should not be included. Nevertheless, you should consider keeping some of your shots when you are working different projects.

For example, you may be shooting images for a new product that is appearing in the mall. While you are there, you may get a few good shots of the mall, but they are not what your client requested, ergo they are not sold to your client. You could keep those shots and sell them independently to other companies that want shots of the mall.

You will be doing more than taking shots

Small business owners are unable to hire business managers, marketing directors, and even accountants. In many cases, you will have to personally take up the many roles that are required to run a modern business. Here are a few of the roles you will be expected to take up.

[+] Business manager

Decide how you are going to make your money and what market you are going to operate within. Decide what your target audience is, what their needs are, and how you are going to fill those needs.

[+] Marketing director

Once you have your target audience in mind, you need to do market research to find out what they want the most and what they need so much that they are willing to pay money for it.

[+] Social media administrator

You need to update your Google+ and your Facebook pages on a regular basis. You need to present a professional and high quality service. People need to see examples of your work, and they need to see other people writing positive things about you.

[+] Bookkeeper

If you want to save money, then learn about accounting and do your own accounts. At the very least, you should do your own book keeping where you diligently record your income and outgoing.

[+] Scene setter

You should know by now that you are in charge of setting up your shots. This also includes managing the area, the people, the kids and the wildlife that may appear in your shots.

[+] Customer service

Your customer services are often the first that your clients see of your business. You need to deal with comments and questions very quickly. If you are lucky, they may turn into future work.

[+] Client manager

As a small business, you need to take care of your clients. You need to go the extra mile and make them feel very special. Your goal is to make them happy about their purchase, to keep them happy after the purchase, to have them come back for more, and to tell their friends about you so that they use your services too.

[+] Website creator and manager

Building your own website is easy, and if you take the time to learn, you can create a very professional looking website. Managing your website means getting it ranked up the search engines and making sure it appears on listings/directories for your local area.

[+] Budget maker and accountant

Doing your own accounts is recommended if you are knowledge enough about accountancy. You will have to cook up your budgets to run a successful business. People forget about things such as how much their time actually costs and things such as depreciation.

[+] Editor

Part of being a photographer is being a good editor too. You need to learn how to use Photoshop to improve your images. Simply adding filters and changing a few settings is often not good enough.

[+] Legal expert

There are many legal issues surrounding images. There are things you are not allowed to photograph, and things you are not allowed to sell. Some states demand that you have permission from people before selling their images, especially when it comes to child protection. There are also copyright issues you need to be knowledge about.

What about when demand fades a little?

There may be times when your services are in less demand. These are known as off-season occasions, and they differ depending upon what type of photographer you choose to be. As a stay at home mom, the way you deal with your trough-demand times will depend on your circumstances.

If you heavily rely on your photography income, then you will have to diversify a little so plug the gaps during off-peak seasons. On the other hand, as a stay at home mom, you may have the ability to take time off and concentrate on another project until business picks up.

This doesn’t mean that you should take a holiday from photography whenever things slow down. It means that there are certain times during the year when your service may not be in demand. These are your off-peak seasons, and it is up to you to either fill them with another form of photography, or to concentrate on something else until your photography work picks up again.

Learn how to “Price” your time

Some people waste a lot of time dealing with clients, scene setting, using social media and networking. Many professional photographers start out making this mistake. This is because the photographer doesn’t know how to place a value on his or her time.

For every task you perform, ask yourself what it would cost an employee to do the same thing. For example, if you just spent two hours updating your Facebook profile, would you have paid an employee minimum wage for those two hours? If your answer is no, then you need to reexamine how you spend your time. If your answer was yes, then hire somebody to do it for you.

You may think you are networking when you spend 45 minutes chatting to a grandfather at a wedding, but would you allow an employee to do that? Every minute you spend on your photography business is going to cost you money. You need to recognize that your time costs your business money.

Hire an accountant eventually

If you are able to turn a profit on your business after a year, then consider hiring an accountant. Not only will an accountant help you save money on your taxes, he or she will also save you from jail for not paying your taxes correctly. Do not hire an accountant right away, especially if you are not sure if you are going to stay business in the long term.

Explain what you do on your website and show the areas you cover

Many people do not know how to order photography services, and even fewer know what they will get. You need to show them on your website. You need to show them how to make an order, what they will get, and what they have to do to get it.

You need to show them what your package deals mean, and explain that you will edit the photographs to make them perfect. They need to know how they will receive the images, especially if you are not able to print the images for them personally. They may find it cheaper to take your images in digital form to a printer and have them printed off themselves.

It is also vitally important that your website shows where you are based. Some photographers show the areas they cover, but it limits how attractive they are because some clients may want you to travel to different locations. You are better off stating where you are based, and explaining that you are prepared to travel to far off locations in some circumstances (if you are paid more)

Add notes to your client list

You need to create a client list. It holds the information of all your ex-customers. It is handy to have if you wish to solicit for more work in the future. You should also add notes to it. They will help you understand what you did, when you did it and why. Add notes about your clients and what you did for them, and it will help create an instant rapport when they contact you again. You can mention something about the job you did for them last time and instantly regain their trust, which will make the selling process a little easier.

Stop trying to compete on price

You simply cannot win, and you will shortchange yourself every time. No matter what type of photographer you decide to become, there is always room for your business. There may be 33 other photographers within a 10 mile radius that are better and more popular than you, and yet you can guarantee that every month those 33 will have days where they are fully booked and people will come to you. If you compete on price, you never win, even if you actually win the project–because you will be working for a fraction of your worth. Find a way of promoting yourself without competing on price.

Being good with children is a plus

Some people are restricted as to the type of photography jobs they can take because they are not good at something. Some are not good night shots, others are not good with animals, heights, staging, and so forth. Some people cannot do certain photography jobs because they are not good with children, but that is not the case for you.

There are many events that involve children. As a stay-at-home mom, you could target events that have children. There are children’s parties, charity events, kid’s celebrity events, birthdays, bar mitzvahs and so forth. Managing children at these events is tough. It is a skill, and such a skill can make you more employable than your closest competitor if there are children involved.

Photography Resources

  • Flickr.com (the best photo sharing website with millions of examples of different photography types)
  • BetterPhotograph.com (a great website with photography tutorials and tips, especially for travel and landscape photography)
  • National Geographic (a landscape photographer’s go-to source for tips and inspiration)
  • photo.net (one of the better, no frills photo tip website on the net)

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How to (Easily) Get Kids Exercising http://www.singlemoms.org/how-to-get-kids-exercising/ http://www.singlemoms.org/how-to-get-kids-exercising/#respond Mon, 25 Jul 2016 17:07:48 +0000 http://www.singlemoms.org/?p=2010 Many studies have found that making young kids jump, run, hop, squeal, and chase after each other can help improve their ability to think. There is a positive link between physical activity and cognitive performance in kids, but getting young folks to be more physically active is not always simple.  Even some adults do not […]

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how to get kids exercising

Many studies have found that making young kids jump, run, hop, squeal, and chase after each other can help improve their ability to think. There is a positive link between physical activity and cognitive performance in kids, but getting young folks to be more physically active is not always simple.  Even some adults do not like the idea of getting up and start working out in the gym. So, the question is, “how do you get the kids to exercise?”

Here are some  simple tips and activities that will help keep your kids active and motivated all the time.

1. Walk the Dog

You may not know it but your dog can be a great motivator. Take your beloved pet out for a scenic family stroll. Your kids will enjoy your company and your dog will thank you too for getting him some exercise.

2. Show Active Participation

Whatever the activity, be sure to join in the game. This little initiative will make activities a lot more interesting and exciting for kids. Studies show that kids love when their parents join in the game. Activities like taking a family hike, biking to school together, or having a game of catch will keep your kids motivated and active at the same time.

3. Select a Right Time

Whatever activity you select, be sure to time it right. You have to pick a time when everyone in the family is willing to do them. A perfect time to have a game of croquet or a family walk is right after dinner. After school seems to be a great time for kids to get up and burn off some pent-up energy.

4. Do Not Push too Soon

You should understand the importance of starting it small – do not push your kids to run 5K because that is something they are not prepared to do just yet. Start small. Go for a mile first and then increase the distance gradually. Keep it entertaining and your kids would want to spend more time doing that activity.

5. Keep it Exciting

To make physical activity exciting, you will have to mix things up a bit. Do not forget that play is exercise and you can always switch between activities to make your little ones interested. Take a short walk one day and enjoy gardening on the next day. If you stack wood one day, go bowling the next. Understand that any activity that gets your kids moving is just perfect.

6. Be Creative

If you realize the fact that going to the gym alone is not the only form of exercise, you can always utilize every opportunity to be physically active. While standing in a line with your kids, do jumping jacks. Ask your kids to join you in a race from the car to the house. Ask your kids to have a few pushups with you during TV commercials. And do everything you can to push that heart rate up a bit.

7. Spend Time Outdoor

You have to make it a habit to get your family outside whenever you can. Instead of an indoor workout session, go out and have fun in natural settings. Walking around the block or simply playing backyard game will deliver a motivational twofer and will make everyone feel better.

8. Help them Hang Out with Peers

Bringing a friend along will always make simple activities feel special. Invite your child’s friends for a bike ride and it will become a fun activity. You can also ask your kids to invite their friends for ice-skating or simply having some fun in the playground. As long as your focus is on making fitness fun, you will be fine.

9. Five-Minute Trick

It will never be easy to make kids commit to exercising, but you can still convince them to do it for five minutes. This is usually enough to break a small sweat and will certainly help build an interest in exercising. Doing a five-minute jog or a five-minute bike ride does not sound difficult, and you can make it fun to inspire your kids to turn a five-minute drill into ten.

10. Walk for a Cause

You can arrange a walk or another activity for a special cause. You can find more about organizations that host fundraising walks in your area. Go have fun with your kids and family. You can also organize walks for another cause such as your kid’s Little League or PTA.

11. Let Your Child Take Charge

Give your child the power to decide what they would want to do during the weekend. Letting them choose an after school activity or active weekend pursuit will keep them interested. This also makes them feel that they are in control and have the freedom to make their decisions. Some kids would want to go out on a walk, while others would wind up at a bowling alley, batting cage, or belly dancing class. Just give them what they choose so long as it helps keep them active.

12. Lead by Example

How you behave in your daily life is what you should expect from your kids. Vegetating in front of the television every night is only going to work against you when you ask your kids to be active. You have to practice what you preach and this will automatically motivate your kids. They want to spend more time with you and if you love to be physically active, they will follow suit.

The fact of the matter is that you can definitely try a number of ways to motivate kids to exercise regularly. You have to make it look like a fun activity, not just a boring exercise. Ask their friends to come along and take part in those activities to keep everyone safe. And of course, be sure to notice how your child responds to certain activities and then identify the best way to make fitness easy.

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How to Get Free Clothes http://www.singlemoms.org/how-to-get-free-clothes/ http://www.singlemoms.org/how-to-get-free-clothes/#respond Tue, 21 Jun 2016 01:07:05 +0000 http://www.singlemoms.org/?p=1984 Welcome to our how-to guide on finding free clothes. When you are in need of basic life necessities like clothing you may feel helpless and frustrated. Finding important resources are priceless in times of need. We have put together an extensive list of local and statewide organizations and businesses that provide free clothing, and other […]

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how to get free clothes

Welcome to our how-to guide on finding free clothes. When you are in need of basic life necessities like clothing you may feel helpless and frustrated.

Finding important resources are priceless in times of need. We have put together an extensive list of local and statewide organizations and businesses that provide free clothing, and other resources for families in need.

Each city provides free programs to their residents. At times, we can look for help in other places, for example, religious institutions. Religious institutions rely on donations made by the public, therefore, are strong advocates in giving back to the community.

Many churches of numerous denominations provide free resources to individuals and families in need. Here is a nationwide list of Catholic & Christian churches. You could locate organizations in your neighborhood and ask about the programs they provide. If you have children most public schools also host clothing drives.

General Clothing

Craigslist is a popular online classified site. Many people from all over the world shop second hand on craigslist for great discounts. You will find new and hand me down items at a competitive cost. One of it’s most visited section is the FREE listings. Every state has their own individual site with residents giving away electronics,furniture, toys, and clothes. It is important to note to follow safety methods when meeting a stranger in their home, it is suggested you bring along a friend or family member.

FreeClassifieds is another popular site that allows you to search based on location. They list free clothing, furniture, food and even vehicles that are looking for a new home.

Super Ads is popular for their real estate listings, free furniture and clothing section. It is definitely worth a look to find items no longer needed by private owners.

Coats

If you live in a part of the world with cold winter seasons, finding a coat for yourself and your children is vital. Luckily many cities, counties and states hold public and private coat drives. One of the most famous is the New York Coat Drive by New York Cares. Every year thousands of coats are donated by the public for people in need. When you visit their site you will find locations where you may pick up coats. You will also learn of other resources available by local organizations.

Nationwide Organizations

The below organizations have nationwide resources that can assist you with obtaining clothing, coats, baby clothes, blankets, and other items. All of the below are not for profit and can locate other local resources for you as well.

  • Goodwill Industries
    • Goodwill Industries International, Inc.
      15810 Indianola Drive
      Rockville, MD 20855
      (800) GOODWILL
      contactus@goodwill.org
  • Safe Horizons
    • 2 Lafayette Street, 3rd Floor
      New York, NY 10007

1.800.621.HOPE (4673)

  • Salvation Army
    • The Salvation Army National Headquarters
      615 Slaters Lane
      O. Box 269
      Alexandria, VA 22313

1-800-728-7825

2443 Fillmore St. #380-5363

San Francisco, CA 94115

877-663-9276
drives@onewarmcoat.org

  • American Red Cross
    • National Red Cross
      American Red Cross National Headquarters
      2025 E Street, NW
      Washington, DC 20006

1-800-733-2767

Work Clothing

If you are seeking work and find yourself in a position where you need to interview to find employment, don’t let not having the right clothing stop you. First impressions can be a huge factor in getting a job. Many private organizations focus on assisting adults looking to acquiring suits and other work clothes. A popular drive held by private companies is:

Dress for Success is the largest international program assisting adults in getting free suits, shoes and work clothes. Here is a description of their program: Dress for Success began in in 1997, Dress for Success has expanded to almost 145 cities in 20 countries and has helped more than 925,000 women work towards self-sufficiency.

Statewide Services

Along with the nationwide programs listed in this guide, every state has their own list of private and public organizations. Below is a list of programs state by state. Tip: Community programs usually work with other private and public programs. They serve as a great resource for finding out about other free programs and services you may qualify for. As a U.S citizen, the welfare system is available for individuals in financial need. If you are in need food assistance for your children (regardless of your citizenship status) please call or visit.

If you need financial assistance you may visit your local HHA office. They can provide you with immediate vouchers to use to purchase clothing for upcoming interviews. They can also assist you with diapers and children’s clothing. You should gather documents that prove your address, income and identity before speaking to a social worker. This will make the process more smooth and get you the assistance you need immediately.

  • US Human Resource Administration.
    • S. Department of Health & Human Services
      200 Independence Avenue, S.W.
      Washington, D.C. 20201
      Toll Free Call Center: 1-877-696-6775

In Conclusion

To qualify for free resources you will need to meet income guidelines along with other requirements. If you receive any type of government assistance you may automatically qualify for state and federal programs. Below is the basic chart.

Family Size                                                                Yearly Income

Family of 1 $11,770
Family of 2 $15,930
Family of 3 $20,090
Family of 4 $24,250
Family of 5 $28,410
Family of 6 $35,570
Family of 7 $36,730
Family of 8 $40,890

There are thousands of organizations who distribute clothing and other donated goods to families in need. If you have a small budget there are other alternatives like garage and yard sales and thrift stores. Every local paper has a classified section where they will list upcoming clothing drives or donations.

A popular statewide paper is the PennySaver. Supermarket and malls have designated areas for local postings. You can always ask a neighbor or associate. Children grow fast and many parents simply throw away unwanted clothing that no longer fit. As you can see there are many available options for finding free clothing. The first step is to contact the organization or visit in person and ask for help. We hope that you found our guide helpful.

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How to Open a Bank without ChexSystems http://www.singlemoms.org/open-bank-without-chexsystems/ http://www.singlemoms.org/open-bank-without-chexsystems/#respond Tue, 14 Jun 2016 23:20:59 +0000 http://www.singlemoms.org/?p=1976 One thing you might just take for granted is your ability to open a bank account. Until that privilege is taken away that is. Having a bank account in 2016 is not an option thing. It’s a requirement for living in a first world country. You need a bank account to get paid, to make […]

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chexsystems problems

One thing you might just take for granted is your ability to open a bank account.

Until that privilege is taken away that is.

Having a bank account in 2016 is not an option thing. It’s a requirement for living in a first world country. You need a bank account to get paid, to make payments, to keep your money, to apply for and maintain a credit card, and much, much more.

For example, if you apply for a new job, get hired, you may be required to give that bank your bank account number for a direct deposit of your paycheck. If you workplace does not issue direct bank account payments, they will write you a check. However, to cash a check and receive the money often requires a bank account on your part.

So a bank account is an important part of your life.

However, many people who have had financial problems in the past, may find themselves banned from opening a new bank account. In some cases, people may find existing bank accounts closed down.

The reason is usually because of ChexSystems — a company that maintains a banking ‘behavior’ file for everyone who owns a bank account in the US. This is a sort of credit history, but one that covers banking history rather than credit history.

You may know the difficulties of what having bad credit may do for you, but having a ChexSystems record can be just as bad — arguably worse even.

If you have a chexystems record, there are  few things you can likely do about it to fix the problem.

1. Dispute your ChexSystems Record

You are allowed to dispute your ChexSystems record. However, first you must request your free chexsystems file from ChexSystems. Once you have the file in hand, you can specifically look at it for any mistakes. If you find any such mistakes or errors, you can file a dispute. Provided you win the dispute, your record may be removed within 30 days.

You can file a dispute here on the official website.

We highly recommend you do request your chexsystems record here (it’s free and from the official chexsystems website) so you know where you stand. You can’t dispute what you don’t know.

2. Pay off any money you owe to a bank

If you have a chexsystem record due to financial misbehavior with a specific bank (you went into overdraft and did not pay it, you wrote fraudulent checks or have committed bank fraud or some other such banking misdemeanor), then one way to repair your ChexSystems record is to contact the bank you owe money to and pay what you owe.

A bank can directly request ChexSystems remove a record that the bank has submitted about you. Banks MAY do this if you pay them what you owe. This can often fix your problem.

3. Open a Second Chance Banking Account

If you can’t open a regular bank account and you are unable to dispute your ChexSystems record, another option is to look at opening a specialized bank account made for people with ChexSystems, EWS, or Telechex problems.

These bank accounts often have different names, but they are generally called ‘Second Chance’ accounts. They are offered by some banks and credit unions.

These bank accounts often have limitations imposed on them, such as limited checking ability, limited withdrawals, no ability to write checks, and higher monthly fees. However, if you get such an account, in time that account may, with good financial behavior on your part, upgrade the second chance account to a regular bank account. This often takes 1 to 2 years.

However, if you are stuck then it’s your best option for getting a regular bank account. A second chance account will still offer you the basic banking options such as deposits, withdraws, the ability to make online bill payments, ATM cards, and more.

4. Use a Prepaid Credit Card or Debit Card

Another option is to avoid a bank entirely and just go with a prepaid credit card or debit card solution. These function a bit like a bank account in that you can add more money to the card and make withdraws from the card. As such, you can use it like a bank account to receive, send, and withdraw payments — both online and via ATM machines.

The cost here is usually in the cost. You often pay per transaction. Each time you add money or withdraw money or send money online, you may pay a small fee of a couple dollars. This depends on the type of card you get, however.

5. Find a Non ChexSystems Bank

Another option is to find a bank that does not use ChexSystems. There are a few of these out there, usually in the form of credit unions and small banks. Some larger, national bank chains in the United States may not use ChexSystems as well, but you’ll have to call them or find out online if this is the case.

Note that banks don’t usually publicly post this information, so you are going to have to do some research to find out. This website gives you a list of nonchexsystems banks that you may want to try.

6. Open an Internet Bank Account

A final option here is to look at opening an internet-only bank account. These are usually banks that don’t exist in a physical location, but offer you all the features that a regular bank would, but just over an online interface.

You should be able to send money, deposit, make ATM withdraws (the bank will mail you an ATM card), and more.

Some internet banks are less stringent about doing ChexSystems checks on their customers. So it could be you can open an Internet bank account even though you can’t open an actual physical bank account with a major bank.

 

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Why You May Be Spending Too Much (You Might Not Like the Answer) http://www.singlemoms.org/may-spending-much-might-not-like-answer/ http://www.singlemoms.org/may-spending-much-might-not-like-answer/#respond Sat, 04 Jun 2016 14:28:27 +0000 http://www.singlemoms.org/?p=1971   You may have heard the theory that the key to saving and wealth building is to dramatically lower your spending. The idea is logical, but seemingly undoable for most people, so let us examine why you are spending so much, and maybe convince you to spend a little less. This is not an article […]

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You may have heard the theory that the key to saving and wealth building is to dramatically lower your spending. The idea is logical, but seemingly undoable for most people, so let us examine why you are spending so much, and maybe convince you to spend a little less. This is not an article on saving money because we already have plenty of them.

If you are struggling financially and the causes for those struggles are related to your spending habits (you are spending TOO much on completely unnessesary things), then ytou may have a problem.

You won’t be able to help yourself and get out of finacial difficulties unless you address the underlying problem: you.

This article is not aimed at those single moms / single parents who are in financial difficult due to a lack of a job or a low income.

It’s aimed at those who make enough money to be somewhat comfortable, but spend more money than they can afford.

The goal of this article is to actually convince you not to spend as much money as you do.

You May Be Spending Money To Make Yourself Happy

Life is boring most of the time. Most people are neither happy nor sad most of the time. Guess what…that is how life is supposed to be. Trying to make yourself happy with drink, drugs, sex or spending is the same as going on the same roller coaster again and again to make yourself happy.

The fact is that you cannot be happy all the time, but why not turn “happy” your default position. Instead of waiting for something to make you happy, why don’t you decide to be happy? Learn the benefits of being grateful for what you have–because you could have far less.

Recognize the fact that you keep spending money in order to make yourself happy. Understand that doing so is the same as riding the same rollercoaster over and over again. The truth is that you cannot “make” yourself happy; you can only decide to be happy.

Your Desire To Spend May Be Insatiable

Let’s break it down to the most basic level. Some people develop a “want” and the more you feed this “want,” then the stronger it gets. Addicts have this problem. Sure, when they are clean, they still want to partake of their addictive act, but the urge is not as strong as when they are doing it habitually.

If you spend money to cheer yourself up, or worse still, if you spend money because you are bored or unfulfilled, then you may have a big problem. The fact is that the more you go through the cycle of spending to manage your feelings, the more you rely on spending to manage your feelings.

You Can Manage Your Happiness So You Do Not Need To Spend

It is easy enough for an article to tell you what not to do, but few offer advice on what to do after you stop, so here is some. You should ask yourself what other people do to manage their feelings, as looking outwards may give you a clearer perspective.

Understand that you can engineer a situation where you make yourself happy by default. Whenever you are feeling neutral, decide to feel happy. Decide to be in a good mood. Do not wait for an event to make you happy, and do not try to manufacture an event to make you happy.

How much time do you spend chasing happiness? Consider this point because few people realize that their biggest frustrations in life are based on their insatiable need to chase happiness. Are you frustrated with dogs barking or kids playing because it genuinely bothers you, or because you want and expect things to be under your control and for your current mood to remain untainted? Are you eating because you are genuinely hungry, or have you just become bored or stressed?

You can manage your feelings far easier than you think. When you are having an argument with your spouse and somebody turns up at the door or calls on the phone, do you shout at the other person? Do you maintain your bad mood? Are you angry and ratty with the other person? Or, do you do what most people do and put a happy face on and act like everything is fine? Most people can change their whole attitude and mood in seconds to suit the situation. If you can do it then, why can’t you do it all the time? It may feel fake at first, but as you practice, you start to realize just how much control over how you feel on the inside.

Do Not Try To Remove Negative Thoughts From Your Mind

You are going to read a lot of articles that tell you to be positive and remove all negative thoughts from your mind, but apart from being childish advice, it is also useless. Nobody can remove all negative thoughts from their mind; it is part of human nature and part of your survival. A person that is positive all the time must be mentally ill.

Instead of trying to remove negative thoughts from your mind, try replacing them with positive thoughts. You may be sad that your partner left you, but be happy that you got as much time with that person as you did. Also, remember that you must have been happy if your partner’s departure makes you this sad.

There is a good example here: https://www.youtube.com/watch?v=X-7558NYtwY

Trying to see the best in everything is okay, but it is probably more realistic to try to find the lesson in each event. It is an idea first taught by Napoleon Hill, where he said that every failure offers a valuable lesson. If you figure out what you can learn from each failure or sad event, then you create a benefit where there were none. You turn a negative into a positive. Try to find the lesson in each sad event, even if the lesson is existential, such as how life is short and we should treasure every moment.

Learn The Joy Of Saving And Investing

Getting to see the fruits of your investment is very satisfying. Even keeping your money in a savings account and seeing it pay you interest is rather fun. If you are just starting out, then look for accounts that pay interest monthly, so you may experience the joys of earning interest a little sooner.

The more you learn about saving and investing, then the more you will enjoy it. Actually gaining experience through doing it and earning your reward (however small) is oddly satisfying. You may also have more success if you learn more about it, so start today. Here are a few of our articles to get you started.

Your Life Is Not What You Thought It Should Be…

This section is based on a principle that Dennis Prager came up with. If you do not know him, he is a radio show host and writer…and a very frustrating man. Some of the stuff he says will have you throwing your hat in the air and celebrating your agreement with him, and other things he says may disappoint you. He is a very intelligent and well reasoned man, even if he does (rarely) have a few disagreeable opinions, and he says that nothing you ever have will be sufficient, and your quest to fill said sufficiency void will often leave you poor or in debt.

He gave an example with a poster advert he once saw. The advert said, “If you are not completely satisfied with your sex life, give us a call.” It is a clever advert because people are never “completely satisfied.” No matter how perfect something is, a person is never completely satisfied.

This is not to say that human nature is a negative one or that human nature is critical or prone to complaining. The fact is that human nature is insatiable. People are never completely satisfied because their nature will not let them. If you ever meet a person on the fortune 500 list, ask them a few questions that include the fortune 500 list, and you will find one commonality. All of them are a little upset or disappointed that there are people above them in the list. It wouldn’t bother them if the list didn’t exist, but because it does, they want to be higher on it.

You will never be sated. You will never be thin enough, rich enough, sexy enough, strong enough, talented enough, and so on. No matter how much money you spend, there is always a limit to what you can have and achieve. Learn to recognize your insatiable nature for what it is, and stop spending money on a battle you cannot win.

Your life is not what you thought it should be, and the fact is that it never will be. Life is going to hand you different cards, and it is up to you how you play them. You can spend the rest of your life trying to live up to the perfect image you have in your head, or you can accept that your human nature is insatiable, and invest your time in using what you have got to give yourself a better future.

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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 […]

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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:

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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 […]

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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

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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 […]

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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.

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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 […]

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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.

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