Financial Help for Single Moms

Financial Help for Single Moms

If you’re a single mother, you may need to know about financial help for single moms . There are often many financial challenges associated with raising children as a single parent. If you already work but find you don’t have adequate financial resources in your budget to pay for child care, health care, or legal assistance, it’s important to know about legitimate financial programs that can help. If you don’t have a job, need skills or retraining, or you’re fighting a drug or alcohol addiction, it may be difficult to know where to turn for help.

Image Credit: TBIT (Pixabay)
Image Credit: TBIT (Pixabay)

You’ve probably noticed lots of offers for single moms that seem too good to be true. That’s why you should know about real financial resources that can make a difference for you and your family. Here are some of the ways to identify legitimate financial programs for single moms:

  • The program offers either free services or uses a sliding scale based on what you earn.
  • The program or service has a website and a phone number for you to contact them.
  • When you contact the program or service, a representative contacts you within a reasonable time frame.
  • The program provides references on request.
  • The program is probably linked with other legitimate programs, services and organizations:
    • To determine these links, type links: and the website you’re exploring into a search engine. For instance, if you’re exploring, type links: into the search engine. You’ll see a list of additional links associated with the website.

Financial Resources for Single Moms

If you’re looking for financial resources now, you can use a phone to begin the search. Dial “211” to ask about legitimate programs and services that provide financial assistance to moms in your location.

Dialing “211” puts you in touch with financial resources and services throughout the state. It’s a bit like dialing “911” in a physical emergency. You’re immediately connected with people who can help. The call is free. A call to “211” can put you in touch with:

  • Services for your children (local Child & Family Services), such as child care or recreation programs. This service can also put you in touch with local parent education classes.
  • Urgent services for single moms and families (local Human Services) can help you pay a utility bill or assist with an emergency rent payment. If you’re hungry or in physical danger, you’ll be connected with local shelters, food banks, or soup kitchens right away. If you and your family need warm clothing, “211” can tell you how to get it now.
  • Health care services for your family (local Health Services) are essential. If you and your family need crisis services, medical insurance, or assistance with Medicaid/Medicare, you’ll receive the help you need. If you’re in search of rehabilitation services for drugs and alcohol, or you just want to quit smoking, the referral professionals at “211” are there to help.

If you need new skills training, a new job, or you need a way to get to and from a job, ask “211” for assistance. Know that “211” probably can’t link you to all the financial resources available to you but, when an urgent need arises, it’s a good number to have on hand.

It’s also possible to access information about “211” financial help online. Search for “211” and your state. For example, if you live in Massachusetts, go to

211 Program Benefits

Many single moms can access financial resources or services through the “211” hotline. In some cases, even if you were told before that you make too much money or didn’t qualify for help, it’s possible to connect with many resources for free or reduced cost through the “211” program.

Calling “211” can help you learn about services or programs you didn’t know existed. For instance, your state’s “211” service can help you get car repairs if you work or help you pay for heat in winter.

If you previously applied for government help in the past but your financial circumstances have changed, “211” staff can also help you apply for TANF, SNAP, and WIC.

Single Mom’s Budget Help

Your local Community Services Center can help to identify other budget help services:

  • If you don’t have enough money leftover to pay for essentials after paying your bills, a local CPA firm or retired CPA offering community services might be able to assist in making a budget.
  • You might need a bill pay or money management service to get out from under your debts. Ask your local librarian or contact your local municipal services office for a referral.
  • If you need help to file a tax return but don’t know where to start, ask your local librarian about free tax preparation services.

Stretch your budget to its maximum potential. Don’t be afraid to reach out for help. If you’re worried about arranging child care to ask for services and financial resources for which you qualify, it’s good to know that many are accessible through your phone today.


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