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91 Ways to Save on Almost Anything
Here's how to stretch your dollars -- and pinch your pennies 'til they scream -- while you feel little or no pain.
by Kiplinger's Personal Finance Magazine
Want to save a buck? How about a few hundred or a couple thousand?
read more...
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Second Week Of February
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Q:
"Good Morning Joy, I'm curious to know if there are grants available specifically for single mothers/caregivers of children who are disabled. I am connected to the social service system for my daughter who is severely disabled, and she receives services by way of medical assistance, etc., however because of her needs I am unable to be employed and am now facing losing my major medical health insurance due to my inability to continue payments. The expenses of raising a child with severe disabilities is exorbitant in comparison to raising a child without disabilities (respite care costs, van for wheelchair vs. efficient car, wheel chair accessible home, out of pocket medical expenses, etc etc.) Anyway, I'm just beginning my search to see if there are any foundations that recognize the plight of single family caregivers beyond just being a "single mom." My daughter is 15 years old and one of twins. My children were born in 1986, nearly 4 months prematurely, weighing about 1.5 lbs each. My first twin spent nearly 5 months in neonatal intensive care and sustained massive brain damage shortly after her birth - something quite common in infants born extremely prematurely. My second daughter escaped the most severe of prematurely-related problems and is a sophomore at our local small town high school. I'm specifically interested in knowing if there are grants available for families like mine who are full time caregivers for their severely disabled child and unable to be employed outside of the home. I've been single again since 1996. The girls' father pays the bare minimum in child support and some maintenance, but has backed out of our lives nearly completely even though he lives a short distance away. He is remarried with several step children and is very much a parent to these new children. His parents continue to take my daughter who is disabled 2-3 nights per week allowing me some relief from the lifting and constant care giving. This has also allowed me to spend some quality time with my other daughter without the constant demands and constraints of caring for her sister."
A:
"In reply to T., thank you for the information. After our research, there isn't any grant for SingleMom/caregiver. I'm very sorry to tell you this. However, since the father should be the one who supports your child with you. You can always demand the financial support from him.
Here is the number of Child Support in your State: Wisconsin 1-608-266-9909
Child Support Experts
• www.supportguidelines.com/main.html - Comprehensive resource for the interpretation and application of child support guidelines in the United States.
• www.supportkids.com/ - The Child Support Experts
• www.childsupport.com/ - Child Support Network
State Child Support Enforcement Offices
• www.acf.dhhs.gov/programs/cse/ - Federal Office of Child Support Enforcement (OCSE)
• www.ncsea.org/ - National Child Support Enforcement Association - the voice for the child support community (NCSEA)
Here is an Email from one of our visitors:
"This in response to Feb.15. single mom with disable children. I have a 29yr.old son who is physically disable and he is my blessing. I think I need him more than he needs me. Just have peace and accept what the Lord has given us and help our family and make the best of it. Have a positive attitude on everything even when everything seems to be going wrong. With every trial try your best to work it out and grow and learn from it. His father has never helped me with him at first and many years I hated him because my son loves him very much but I realized his loss and my gain. What state do you live in? Try to be an advocate for your children and find out what service there are, if you don't look and ask nobody will tell you. I'm my son's attendant and get paid for taking care of him. I live in Texas and there are a lot of services that I had to go out and look for them and appeal if my son didn't qualify. Don't give up I know it very hard but you are very blessed. N.C., Texas"
I hope you find these information and I wish you the best. Thank you for visiting SingleMom.com™."
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back to Ask Single Mom Joy
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9 Cash-Saving Tips That Pay Big Bucks
complaintsboard.com
The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...
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Could fat babies mean fat toddlers?
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The 10-Ingredient Shopping Trip
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Short-term Payday Loans
econ4u.org
...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when
the loan is repaid promptly. However, these loans are not suited for longer repayment periods...
Being realistic about budgeting can help avoid the need for short-term borrowing.
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Your Just-in-Case Emergency Plan
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Who do you call if you can't make it home in time to meet the kids' bus? Who do
you trust to take in your mail when you're on vacation? Who do you trust with
the extra set of keys to your house?
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How to save $10,000 in 2009
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If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that
$10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as:
Housing, Transportation, Food.
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The Super, Sexy, Single Mom on a Budget
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A quick reference guide designed for the busy, single mom who has
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32 and Counting? Finding Your Happily Ever After Today
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The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just
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Single Mothers &
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Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They
nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another
equally-invested adult.
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Your 5-minute guide to protecting your identity
20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.
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Diary of a Wimpy Kid: The Last Straw
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For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...
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