As of 2014, the US economy is still struggling, people are having problems paying their mortgage, and foreclosures are all still common. We’ve put together one of the most comprehensive ‘Help My With My Mortgage’ guides on the web with quite a few specifics. This guide applies specifically to ALL people: senior citizens, families, single mothers, single fathers, etc. We will in the future have a specific look at mortgage help for single mothers, but for now this guide will answer those questions. Ok, the good news first. There...

If you’re a single mom, you’re probably a very busy lady. You have to take on all the normal duties of parenthood alone, and you also have to assume the mantle of breadwinner and go out to earn a living. At the end of the working day, when traditional bread winners come home and flop into an armchair or onto the couch with the newspaper and a glass of beer to await dinner, there’s no such luxury for you. You come in from work, pick the kids up from the child minder, tidy the house after the morning chaos, and set about...

FSEOG Grant Introduction The Federal Supplemental Educational Opportunity Grant (FSEOG) is a needs based grant for undergraduate students. This grant does not have to be repaid. Students must be eligible for the Federal Pell Grant in order to be considered for the FSEOG grant. Eligible students need to demonstrate extreme financial need and have among the smallest Expected Family Contributions of those students who received the Pell Grant. An Expected Family Contribution (EFC) is a number calculated by the federal government. It is an...

“Dispelling the myths that can interfere with successful breastfeeding”   Breastfeeding your baby is one of the most important things that you can do to give her a good start in life. It not only provides your baby with the best possible nutrition (no formula can quite match it, breastmilk is perfectly designed for human babies) but it also provides essential protection aginst infection and illness. A breastfed baby enjoys the comfort of that very special closeness with her mother, and the skin on skin contact that she loves. Breastfeeding...

A Direct Loan Consolidation (also know as a Direct Consolidated Loan) is a program run by the federal government that allows people to combine their multiple student loans into one loan. This means that instead of making multiple loan payments over the course of a month you will make only one. The purpose of a Consolidation Loan is to help people manage their student debt and make repayments that are appropriate and realistic for them. There is no required minimum loan amount for consolidating nor is there a maximum. Since this is a whole...

So you are taking home your new baby, do you know what you are in for? Sure you have prepared for this moment for a long time. You have bought all the right stuff and read everything you could get your hands on. But actually living with a baby 24/7 is a whole new experience. There is a steep learning curve when it comes to parenting. There will be many, many new experiences that you will have to learn to handle and work through. But how exactly do you cope with a new baby? What will be some of the most challenging things you will have...

Whether  you began your pregnancy knowing that you would be a single mom  or whether something went wrong along the way, being on your own and expecting your first baby can be daunting. There’s a bewildering array of baby goods in the stores, online and advertised in magazines. Moms’ forums are packed with people raving about the latest products for babies…and if you ‘re on a tight budget you might well be really worrying about how much you’re going to have to spend. Some moms seem to spend a fortune, but...

The Teacher Education Assistance for College and Higher Education Grant (TEACH) is a merit based grant offered by the Department of Education. It is not dependent on financial need. The TEACH Grant is offered to students seeking a bachelor or graduate degree and are committed to serving as a full time teacher for 4 years. The conditions of this service are: you serve in a private or public school or an educational service agency that serves low income families and you teach in a high needs area for over half (51% or more) of your teaching...

Taxes are a once a year pain in the neck problem that most people have to deal with. Taking one look at even the most basic of tax forms can be overwhelming. Every line is numbered and this line needs to be added to that line and subtracted from the other line. You need to know this number and that number and what your Earned Income and Passive Income are. At a glance,...

Divorce is a difficult experience for everyone. No one undertakes it lightly, but sometimes it’s unavoidable. Once you are certain that your marriage has irretrievably broken down, or he has left for good, divorce and all the misery it entails is the only option. That said, sometimes, being apart once and for all draws a line under an unhappy relationship and can actually be a bit of a relief, although it is usually tough for the kids unless they have been actively abused by their father. However, in many marriages, neither parent...

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