Aug 292008

You are a working mother, and you pay for kids education.

Maybe the kid is in a private school or the child is now a college age student and is attending a college or university.  You know that it’s a tough road to travel, trying to balance your finances, your life and trying to supplement the financial obligations to your child.  School tuition is not cheap and even well-off two-parent households have a hard time sending their children to private schools or to college.  It seems like an impossible task to provide for your child’s education when maybe you are even getting an education yourself at the same time.

pay for kids educationThere are ways to help with your money and your time when you’re trying to pay for your kid’s education.  You may already be working one or two jobs to pay for your own finances.  The best way to pay for your kid’s education is to pre-plan.  When the child is born, start a savings account or a pre-paid tuition account for them at a local college or university.  These types of programs will allow you to put a little money in each month so that when your child is ready to go to a private school or college you have the money ready for them.  This way you won’t have to take out any loans bearing a large interest rate or put yourself under financial stress trying to pay tuition.

Some states, such as Wyoming, offer single parents assistance when their own financial means cannot meet the tuition or book costs.  Check with your local department of family services or other child welfare service for more information.

There are also many online advice groups that can help you find out more information about paying for your kid’s education.  These networks of single mothers provide advice and information to other mothers that are facing similar hardships.  Online social networking of single mothers are a great way to make new friends and get great advice of how not only to pay for your kid’s education, but other trying matters such as balancing time, work, and a quality life for your child.

Tuition rates are going to go up.  Currently, in some universities the tuition rate has gone up 10 to 12% a year.  If your son or daughter has just been born, the tuition, which is already high, it’s going to be almost 180% higher than it is now when they are 18 years old.  It is time to start looking at your finances and putting away money now.

If you have low credit or bad credit scores, putting away money in a kid’s education fund is a great way to build your credit.  With a higher credit score, you can make large purchases like a home or car.  If the education fund that you have put in place does not pay for tuition completely, your higher credit score will allow you to get a lower interest rate loan to help pay for your child’s education.  Just because you’re a single mother is no excuse and your child can have a quality education they deserve when you can pay for kids education.


Aug 262008

College Grants for Single Mothers

When you are a single mother, you have plenty of things to worry about.  Besides the tuition for school, your books, and other expenses that go along with going to college.  One thing that will relieve the pressure, at least financially is a grant.  College grants for single mothers is money that is given to you by an institution or organization that will allow you to pay for educational tuition and extra expenses and you don’t have to pay the money back.

A grant is not considered a loan.  It is an amount of money that is given to you for specific purpose.  Once the tuition and your other expenses are paid, you can use the money for whatever you wish.

college grants for single mothers requires no paybackWhen you take out a student loan, you will have to pay the money back.  This means that through the end of your college career and you come upon the date of graduation, six months later, you’ll have to start paying bills towards the college education loan.

If you are single mother, this may not be a prudent thing for you to do.  Remember that college grants for single mothers do not have to be repaid but a loan does.

But by getting a college grant you may be able to transcend from an academic career to your real-life career without owing any money.

You need to fill out the FAFSA before getting any college grants for single mothers.

To apply for a grant, you can either go to your financial aid office or talk to a financial aid officer, or you can go online and find out what grants are available for you.  Your financial aid officer will talk to you about local grants that will help you pay for college.

You may have to have special admissions requirements for each grant.  Those which are federally sponsored require that you have a low income or that you do not have a job.  Fortunately, the grant will be adjusted for your economic need.

Other grants are given to you from the state in which you live and have to meet certain financial and academic guidelines.  You have to prove that you have a good grade point average and that you will finish school in a timely manner.

If you search for a grant online remember that any time a website asks for money upfront, it is probably a mistake to choose that company.  The purpose of a grant is to give you money not take your money.

The resources that they use to find grants on the Internet are the same resources that you can locate with the proper search words.  Don’t look at the first or second web pages listed on any grant our scholarship offer you see.  Rather go way past the popular hits and find the obscure grants that nobody has applied for.

You can find specific grants for sexual orientation, ethnic background, or religious affiliations.  There are even some grants for political affiliations. You may find specific college grants for single mothers.

As a single mom, you will probably be given some leeway in the application process.  There are a lot of grants out there for single parents, and if you are single mom you even have an added bonus to the application process.  You are a female and the gender itself will allow you more accommodations for grants and scholarships.

You are a single parent and this alone will prove that you have financial need.  Apply for as many grants as you can, because if you are not accepted by one, you will have a backup source for other finances. Don’t limit yourself to college grants for single mothers as there are other types you can look for too.


Aug 082008

What is a Great Business for Single Mothers?

Working at home on the Internet is a great business for single mothers.  They receive the added benefits to stay home with their children and save the cost of childcare and other expenses that go along with working outside the home.  When you work at home as a single mother, you have time to meet your child’s needs and at the same time, you can earn cash to pay for your bills and make the quality of life for your child better.  Working at home is becoming a necessity for many people besides single mothers because of the cost of gasoline and the rising economy.

great business for single mothersOutsourced employment is becoming a booming business.  If a company hires you to work at home, they do not have to provide the equipment, the computers, the workspace, or pay rent on a building for you to sit in.  When you work at home for a business you are not paid hourly but by the task.  This saves the business owner money for downtime when a worker does not have anything else to do.  Not only do you get paid for the real-work you do, you also have time to do the household tasks that are demanded of you.

If you want to start your own business as a single mother there are a plethora of opportunities out there.  There are millions of work at home businesses that you can start and earn money from the very beginning.  Put in the key word ‘work at home’ on your search engine and you will see that there are literally millions of businesses out there that want you to either work for them or to show you how to start your own business at home.  Be wary of companies asking you to put money up front.  There are proven companies out there that can show you how to make money at home and only ask for your time or your web space or a small startup fee.

A Great Business for Single Mothers

Do you like to write?  At you can write articles for other people.  If you can write a 1000 word article in 20 minutes you could make over $45 per hour.  Not bad!

Watch the Internet for seminars or webinars that will teach you how to start a great business for yourself.  No longer are you locked down to businesses like Amway or Avon.  Stay at home mothers have become a force to be reckoned with as they have learned how to make money on the web and have created businesses that have toppled corporations.  Anyone can do it.  Start networking with other single mothers and find out how they are working at home and how they are making money.  Join forums and chat groups on social networks and start asking questions.  If you really want to learn, there are people out there that will teach you how to work from home for free, even other single mothers.

Whether you open an affiliate page, take on some outsourced work from large corporations, or just sell items on eBay, you can make enough money to pay your bills and at the same time take care of your child.  If you do a great job, you can make significant income. There is a great business for single mothers out there; you just have to be able to find them and see if they are a reality in your life.