Сливочка, начинайте думать о себе как о сингл мам.
И искать программы помощи одиноким мамочкам.
Я кое-что для вас нагуглила, почитайте, идите на эти вебсайты, звоните по телефонам и апплайтесь.
Contact your local welfare office however the programs listed below will provide you with a start. Since your husband is not present, you need to look at yourself as a single mother (for now) and go into protect and survive mode for you and your child. Good Luck!
Aid for Medical Insurance
Besides personal sacrifices, there are a number of federal programs that may assist low-income, one-parent families in reducing household expenses.
The U.S. Department of Health and Human Services (DHHS), through their Insure Kids Now! Program, offers free or low-cost child health insurance to families who qualify and do not have health insurance for their children.
Each state is different, so to determine if you qualify,
call 1-877-KIDS-NOW 1-877-KIDS-NOW or go to their Web site. Even paying a small amount for insurance can increase disposable income in the long run by reducing payments for expensive doctor and/or hospital visits.
Aid for Heating and Cooling Bills The DHHS also offers program benefits for low-income families to help with heating and cooling costs.
The Low Income Home Energy Assistance Program (LIHEAP) is designed to help families with elderly residents or small children, and households where income is low but energy costs are high, and health and safety risks arise if bills are not paid. Again, each state has their own application and qualifications, so to see if you qualify for assistance with your heating and cooling expenses.
Help Paying for the Essentials
The Temporary Assistance for Needy Families (TANF) program is available to parent(s) with children who cannot provide for the family's basic needs. TANF carries the slang term of welfare, but don't be embarrassed.
While trying to better yourself by getting an education, take advantage of this assistance if you qualify because the assistance is time-limited. TANF was created from the Aid to Families with Dependent Children (AFDC) under President Clinton in 1996. States have been accorded their own rules and budget for awarding assistance, so check with your local or county human services office.
According to Families.com, a blogger writes that government grants are available to single parents to reduce financial hardship. According to the Web site, government grants are available to every single parent.
However, there are eligibilities and qualifications. The article says to
contact your local City Hall for an application. While this information is not verified, it's definitely worth checking in to.
Aid for Housing
The U.S. Department of Housing and Urban Development has developed a program to increase home ownership and affordable housing through its HUD program. There are income limits for families to qualify for HUD, or Section 8.
By qualifying for HUD, a parent may have reduced rental costs for apartment or public housing. Besides the federal programs, your state may also offer living assistance.
Organizations Helping Single Mothers
CoAbode
In addition to federal programs, there are a number of private organizations that offer assistance to single-parent or low-income families. CoAbode offers shared housing for mothers to reduce the cost of living expenses.
Basically, CoAbode helps single mothers find roommates with other single mothers to share expenses, thus increasing disposable income. Remember the television show Kate and Allie from the 80's? This is the same as that show. CoAbode claims to reduce housing costs by one-half, as well as place children in a safer school district.
Sunshine Lady Foundation
The Sunshine Lady Foundation offers the Women's Independence Scholarship Program to help survivors of domestic violence. Their goal is to provide this scholarship for women of domestic violence who want to get an education at any type of college, whether full or part time. Their goal is to help women gain employment and personal independence.
Resources in the Community
2-1-1
Heard of 2-1-1? It's a free service for the community to access services such as food banks, utility assistance, housing, child care, etc, in your area. Some states already have this service, but it is estimated that by 2008, 80% of states will have this available. You can check to see if your state has this by calling 2-1-1.
Food Banks Do not forget to consider food banks as a resource for reducing living costs.
Resell Shops
Also, utilize resell shops in your area for great bargains on good clothes. Don't feel ashamed to buy from resale shops or even budget stores such as the Salvation Army or Goodwill.
Some of the best clothes at the cheapest prices can be found in these stores! Another great resource is Freecycle.org. A national program, the network is broken down by county or town.
Everything listed is FREE. Members can either post an item to give away, or post a "want" to find something needed.
Young Men's Christian Association & Young Women's Christian Association
If you are in need of shelter, find your local Y. The YMCA or YWCA provides temporary and permanent shelter to spouses with children, especially those who are escaping a dangerous or abusing situation. They also have employment services, job training, and literacy programs available to those who need it.
Tax Refunds
One last comment is to take advantage of tax credits.
It may require going to a tax preparer, but many families, especially low-income or single-parents, don't realize they can benefit from:
Earned Income Credit,
Child Tax Credit (if child is under age 17),
Education Credits,
educational loan interest paid,
or educational credits such as the Hope Credit
or Lifetime Learning Credit.
Any one of these could significantly increase a tax refund. Often, there are free tax advisors available in towns or on college campuses that can help students if a tax preparer is not affordable.
Starting Your Search
These are a few resources out there for single-parent and/or low-income families. This is definitely not the limit. Start with local resources like your human services office, financial aid office, and city hall. Then access the U.S. government for additional resources. Lastly, do a Google or some other type of search on the Internet for single-parent or low-income family financial resources
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