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How To Get Help For Single Mums
The Federal government made it clear that they intended to abandon the welfare mum culture and encourage single mothers to become gainfully employed. To that end, they minimized welfare for single mothers and facilitated programs and policies to reward single mothers for working. If you are a working single mother, there are many choices available to assist you to cover your everyday expenses. Help for single mums is still out there, it just might not be as evident to the general public as it was in the past.
The government permits employers to provide a dependent care flexible spending account as a benefit for the workers. The benefit works by deducting child care deductions from the salary prior to taking out taxes. The employee then has to 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 providing a savings equal to the end of the year tax rate on that portion of their salary set aside for childcare expenses. However, if the deductions that were put into the fund are not claimed, they are not passed on to the employee. Hence, one needs to be careful and only allot to the fund, the right 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 for the entire year, she could file as the head of the household, and be eligible for a reduced tax rate, and could even be eligible for an earned income credit. To be eligible as a single mother, one needs to have earned income during the year, but beneath a specific level. This credit can add a significant amount to your tax refund, and is a form of government sponsored support package for working mothers. It can even be paid straight into your paycheck the next 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 other places to receive help for single moms. They can provide you with help to become eligible 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 provides 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 loans to assist them learn new skills and get into the job market. 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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