It is probably true that if you are a single mom, getting an education is something that you really want, but probably do not have time nor the money.  There are special educational grants, scholarships, and other financial resources that are out there, but they will not come to you, you have to go out there and find them.  Go online or talk to a financial aid officer at your local school and you’ll be able to find a program that will fit into your budget, if not your time.  There are also some community colleges who offer free shopping opportunities for prospective students.  If you find that your local college does not offer the services, there are several government programs that will pay a partial or full amount of child care while you are attending school.

An education for single moms is very important.  And only when you get the career that you want, will you have a more secure future in which to raise your child.  You’ll also be a role model for your child as they become older.  A child of the college graduated mother is more likely to go to college themselves than if their mother had a high school graduate education or GED.

Time management is your biggest issue after your finances are covered.  How can any woman manage a child, a household, an education, and a job?  It can be done with the right management.  Join a network of other single moms that have alternative schedules. You can take care of their children while they are at school and you can have your child taken care of while you are in school.  If there is not a single mom network within your college, create one.  Put up flyers and have a meeting.  You’ll find that there are a lot of people in your situation that have the same difficulties with finances and time management that you do.

Use family members if they are available.  Take advantage of the opportunity without taking advantage of the people around you.  Show them that you’re responsible and that you want to have an education. They should understand that you know an education for single moms is a must if you are to have a financially secure family.  Sit down and talk with your family and say to them that you want to graduate from college to make your life better and your child’s life better.  Tell them that once you have a job and graduate from college that you will reciprocate all the assistance, love and the understanding, and maybe the finances that they give you.

If you’re a single mom that needs to finance an education get the free MP3 audio and a detailed report covering many ideas on how single moms can earn money for college.  Go to How Single Moms Can Pay for College or http://MomPays.com .

Most online colleges are asynchronous. This means that the single mom can go to college or go to class any time of day or night. The single mom will be able to interact with the class on her own schedule by adding comments to those posted by the other students on the classroom chat board. The instructor will give out an assignment for the day or week and a mom can complete it at any time as long as she completes an assignment before deadline. If the baby is taking a nap, mom can jump on her computer and be able to type out her lessons or respond to other students or instructor without interruption.

Another benefit of online college classes for the single mom, is that your identity is anonymous. The people see your name in words, but they know nothing about you. You don’t have the social stigma of having a child or not going to class because your child is sick. You are equal in that classroom. Gender, race, or any physical appearance is a mute point within an online class. You are there to express yourself in words and those words are taken literally, because they cannot be judged by nonverbal interaction, your appearance or inclinations in your voice. What you say is what you say and you’re graded for what you say.

Not only time is saved when you take an online college course as a single mom, but money to saved too. Even though online courses are sometimes a little bit more expensive than traditional brick-and-mortar courses, the amount of time it takes you to drive to class, attend a class and drive back home, is also money that is being spent. Gas money and other expenses add up quickly. In the online college, a single mom may stay in her own home. If research needs to be done, it can be done on the University online library. There is no packing the kid up and taking them to daycare. Just find your seat and go to class. You can simply roll out of bed, get a cup of coffee, and sit in front of the computer and work toward getting an education.

Most online courses are offered in eight to ten week segments. This gives you a chance to go to school for eight to ten weeks and then take a week off. You will get the credits, you’ll earn your degree, and you’ll be on your way to setting up a better lifestyle, both financially and emotionally for both you and your child.

If you’re a single mom that needs to finance an education get the free MP3 audio and a detailed report covering many ideas on how single moms can earn money for college. Go to How Single Moms Can Pay for College or http://MomPays.com .

Let’s say I’ve had it with the day job. My debt is beyond belief. I have no time to spend with my kids or family. I’ve read the Rich Dad Poor Dad books and decided that I no longer want to trade time for money but I have no idea on how to get started in my own home based business or how to become an entrepreneur. What do I do?

Well there are successful home based business plans available to single moms who want to build wealth that are already set up, running and making huge profits. And the beauty is they are looking for other single moms to partner with and are willing to help them develop their business. These businesses help other achieve their goals, so if you’d be the type of person that would be willing to help others achieve their goals too, this could be right for you.

How easy would it be to start one of these? Most of these companies have a very low entry cost, from $30 – $200 and a low monthly participation cost, about $150 – $300 per month that could be earned back within a few weeks or months. Income potential is unlimited. You do have to work at it to get there and they are not get rich quick schemes. But the amount of work that you put in over time compared to the amount of reward possible is so different that this type of business would be considered truly leveraged. Plus, you develop a work plan suited to your own schedule. You get to see your kids during the day if you want.

These types of business take advantage of current trends like distribution, baby boomers, the health care and wellness industry, plus the shift from the industrial age to the information age driven by the internet. This is the perfect storm of entrepreneurship and suited to single moms. Millions of dollars are waiting to be made, now and in the next several years.

Read “The Next Millionaires” by Paul Zane Pilzer or “Rich Dad’s Business School for People Who Like Helping People”. These books are great resources for the kind of business I’m about to tell you about.

What is it? It is direct sales or network marketing. “Oh my gosh,” you say. “I can’t sell anything.” Neither can I but I can learn what it takes to become a millionaire real fast. One of the first things that come to mind when the words network marketing are mentioned is the old model of making a list with all your friends, family, acquaintances, people you see walking down the street, people you don’t even like and everyone that has an occupation that you can think of — then calling them. Yes. This could be though of as scary by most.

And besides scary, it’s not that productive. Where is it written that perfect strangers even care who you are let alone are interested in some whacky business or product you are trying to promote? This is not to say that you can avoid talking to people in network marketing, on the contrary. You want to talk to people and show them how easy it is, but you don’t want to talk it into people. You want people to come to you and ask to be shown.

And how is it that the internet which is connected to literally billions of people isn’t the most awesome tool for finding new people? Tell that to the list makers.

How do you get people to come to you? It’s called attraction marketing and basically you become a desired force or expert in a specific niche and people want to learn from you. At that time they are open minded enough to listen and consider network marketing as a viable business opportunity for them. It takes time, but consider the alternative of working until you are 65 and retiring on half your salary and having your kids live at home with you while they go to community college.

There are over 1,600 network marketing companies around. Some are much better than others. Be careful because some of the companies will hold you hostage for six months with a non-compete clause which means you can’t legally join any other program or they can sue you. Do your research. Talk to people who are active in plans. Pick the best payout and then have the person who signs you up help you to achieve success. They will be happy to help because your success improves their success. You can find the best home based business for single moms with some research and by talking to people. Lots of people are willing to help you.

Click here for a detailed report and audio from Lana Hawkins about How Single Moms Can Earn Money For College.

She told me that the mortgage guy said she should apply for two credit cards. Wow! Silly me. I thought everyone, except the credit card addicted, had a credit card or two.

I guess if you paid cash for everything you needed you’d be a very lucky and disciplined person, but for me, using a credit card makes life way easier and it improves my credit rating.

Why? Because I pay it off every month. Even if you don’t like the idea of having a credit card using one and paying it off every month establishes you as a good credit risk.

It takes a few months for the credit companies to find out how great a lendee you are though, so if you are contemplating needing a real loan for real estate or financing college, get a credit card or two, spend a little every month. Put it into your budget and don’t forget about it. Pay it off on time or early, and your credit score should go up.

You can use a department store credit card for this, or a gasoline card or a regular old Visa or MasterCard.

If you use Visa or MasterCard make sure to find one that doesn’t charge you a yearly fee, or has a high interest rate. Having some kind of bonus associated with it is a bonus. This could be frequent flyer miles, new car rebates, or cash back.

If you have a real problem with credit cards and run up the balance then have to pay high interest fees, this is probably not for you. Or maybe you could have a friend or a parent hold them for you so you can’t use them. Just maybe put some monthly recurring payment on it but keep the card away from you. Or not.

Tell me what your credit card strategy is.

If you are looking for new ways to earn money for college or anything else, give this information your full attention. It’s valued at $97 and can really get you mind going.  There are other ways to earn a living than doing your same old day job. How Single Mom Can Pay for College.

Well I didn’t know exactly so I googled it. For an undergrad degree it costs about $45,000 a year. And for four years of medical school it is around $450,000. They say to think of college as an investment. If you invested that amount of money for four years at 7.5% you’d yield about $209,000. Sink that into an investment that earns 7.5% and after 40 years you’d have close to $3,700,000 dollars. That’s right. Now that’s an investment.

How much money is your kid going to make in a lifetime after you or your kid invests $200k over four years? Hopefully it’s more than $4M. Plus also remember that if you borrow that kind of money you are going to have added interest expenses to go along with that.

OK. OK. Not that many people go to Harvard or expensive schools like that. But even a public college costs somewhere around $23,000 per year for a resident, and $44,000 per year for out of state or non-resident. These numbers are from the University of Michigan undergrad program and include tuition, room and board, books and other expenses. Holy Cow!

No matter who pays for this, you or your kid, it’s a huge chunk of money by most people’s standards. If you pay for it and you don’t have the money already saved, it means working more hours, leveraging your home or borrowing the money and paying it back. This could put a serious crimp in your lifestyle or plans to retire.

Well I’m faced with this reality. I want my kids to go to college. I think that education is valuable regardless of what you earn because of it. I also want to avoid loading up myself or my kids with a huge debt if I don’t need to. Yes we will research scholarships. I’m pretty sure their dad will contribute, but some single moms aren’t in that situation. They are totally on their own.

It seems a shame to work so hard to get your kids ready for college only to find out that the costs are prohibitive. Well I never take no for an answer when it’s really important. I’ve been looking all over the place for ways to fund my kid’s college and earn some serious chunks of cash. I figure I’ll need roughly $4,000 per month for every year one kid is an undergrad. The way my kids are spaced out, that will amount to eight years of $4,000 per month, close to $400,000.

Well there is a way to fund your child’s education, if you start now, and I found it. You’re not going to make that kind of money instantly but after a while that extra $5,000 a month will go on autopilot. How sweet will that be! No more worrying about tuition.

If you are and avid reader, and you should be, read The Next Millionaires by Paul Zane Pilzer. He talks about how more and more people will be stepping into the millionaire category and how many of them will get there. I’m going to be one of them.

If you want to take control of your tuition situation and your financial future listen to this FREE audio recording to learn about many ways to earn money from home. See you there! HowSingleMomsCanPayForCollege.