Help For Single Mums Is Available But It Could Be Hard To Find

The Federal government made it obvious that they wanted to stop the welfare mum culture and urge single mothers to become gainfully employed. To that end, they limited welfare for single mothers and facilitated programs and tactics to reward single mothers for working. If you are a working single mother, there are many options available to help you to pay for your everyday expenses. Help for single mums is still out there, it just may not be as evident to the masses as it was in the past.

The government allows employers to offer a dependent care flexible spending account as a benefit for the workers. The benefit works by deducting child care deductions out of the salary prior to taking out taxes. The worker then must claim the money from the Human Resources department by showing the receipt of payment for eligible childcare expenses.

This provides some help for single mums, as well as all families, by offering a savings equivalent to the end of the year tax rate on that portion of their income allotted to childcare expenses. However, if the deductions that were put into the fund are not claimed, they are not passed on to the employee. Thus, one needs to be careful and only allot to the account, the exact amount of money that one plans to spend on childcare for the year.

One significant period that a single mother can benefit from, is at tax time. If she was employed throughout the year, she could file as the head of the household, and be eligible for a lower tax rate, and may even be entitled to an earned income credit. To be eligible as a single mother, one needs to have earned income during the year, but beneath a certain level. This credit can add a significant amount to your tax refund, and is a type of government sponsored support package for working mothers. It can even be paid directly in your paycheck the following year, rather than waiting for the end of year to file and get the benefit.

The Department of Social Services has the most information on where else to receive help for single moms. They can provide you with assistance to qualify and be accepted into programs like food stamps, medical care, child support enforcement, and child care subsidies.

For housing, the Department of Housing and Urban Development has programs for low wage earners in the form of vouchers, section 8s, or first-time home buyer programs. In addition, the Federal government gives out help for single mums in the form of education grants to help them acquire new skills and get into the job market. You can search for these by looking through the programs that are available and then filling out a FAFSA and applying to a college or university that will study the programs to determine if you qualify.

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