How To Get Help For Single Mums


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The Federal government made it obvious that they intended to stop the welfare mum culture and persuade single mothers to become gainfully employed. To that end, they limited welfare for single mothers and implemented programs and policies to reward single mothers for working. If you are a working single mother, there are various choices available to help you to defray your daily expenses. Help for single mums is still out there, it just might not be as obvious to the general public as it was years ago.

The government permits employers to offer a dependent care flexible spending account as a benefit for the employees. The benefit operates by deducting child care deductions from the paycheck prior to taking out taxes. The employee then must claim the money through the Human Resources department by submitting the receipt of payment for eligible childcare expenses.

This provides some help for single mums, as well as all families, by providing a savings equal to the end of the year tax rate on that share of their salary allotted to childcare expenses. However, if all the monies that were paid into the fund are not claimed, they are not passed on to the employee. Thus, one has to be careful and only allocate to the fund, the exact amount of money that one intends to spend on childcare for the year.

One particular period that a single mother can benefit from, is at tax time. If she was employed for the entire year, she can file as the head of the household, and be entitled to a reduced tax rate, and may even qualify for an earned income credit. To be qualified as a single mother, one needs to have earned income during the year, but beneath a certain level. This credit can add thousands to your tax refund, and is a form of government sponsored aid package for working mothers. It can even be paid straight into your paycheck the following year, instead of waiting for the end of year to apply and get the benefit.

The Department of Social Services has the most information on other places to get help for single moms. They can provide you with help to qualify and get into programs like food coupons, medical care, child support enforcement, and child care subsidies.

For housing, the Department of Housing and Urban Development has programs for low-income people in the form of vouchers, section 8s, or first-time home buyer programs. In addition, the Federal government provides help for single mums in the form of education loans to help them obtain new skills and get into the workforce. You can search for these by looking through the programs that are available and then completing a FAFSA and applying to a college or university that will look through the programs to see if you qualify.

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