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Single moms who don't have alot of money & live on their own: How do you do it financially?

Anonymous
Posted by Anonymous
  • 14 Replies
I don't know if I can. Could you share (anonymously or not) how much you make, how much you pay for your rent or mortgage & if you recieve any kind of financial assistance? Also fill free to throw in any other suggestions you may have.
Posted by Anonymous on Jan. 15, 2012 at 3:55 PM
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Replies (1-10):
Anonymous
by Anonymous 2 on Jan. 15, 2012 at 4:14 PM

Well I've lived on my own for a while, just recently moved back home so currently staying with my mom. I'm staying with her so I could save money though. I don't have a job yet but I start school  so I will start receiving money every month for going to school from being in the military. Roughly around 1100. I get CS but it varies because its not court ordered. He does what he can right now which is about 200 every month. I'm not on PA or WIC even though I should at least be on WIC right now. My rent will be 600 and my car note and insurance every month is 350. My utilities will run about 100-150 every month. Food, about 100 since it's only me eating. My son gets formula now so that costs about 20 every 10 days and I get diapers from walmart they work really good. 196 diapers for 20 bucks is great to me. They last for a month . I will be on a very tight budget until I start working which hopefully I get this job as a front desk clerk at a casino's hotel. If you have any questions ask away. 

Chrismomto5
by on Jan. 15, 2012 at 5:35 PM

Before I was able to transfer my nursing license, I had to get a crappy job making $8 an hr and couldn't even get 40hrs a week.  I had about $600 a month in CS (sometimes less.)  I brought home roughly $800 a month from my job.  My rent was $699, electric averaged $150 a month, $50 for internet/cable (needed internet for school and it was cheaper to get it with basic cable.  W/O cable, internet would have been close to $70 a month.), and $80 for my cell phone (no house phone.)  On average, I paid $1000 for bills, and had $400 a month left over for food, gas, clothes, ect.  It was very tight, but I just bought things on sale and didn't spend money on anything we didn't need.  For a while I was also paying $300 for a friend to babysit my kids.  When my bf (now husband) moved in, he took over that job so it saved me $300 a month in childcare.  

melrose79
by Gold Member on Jan. 15, 2012 at 6:56 PM

BUMP!

randi1978
by Murdoc's Mistress on Jan. 15, 2012 at 7:05 PM

I got laid off and my unemployment is about $500 less than what I was once earning.

Just enough to keep us above water.  I pay for my own food, rent, utilities, etc.  I do receive medical for my daughter, but that is it.

It's tight as hell, but we manage.  All you can do is just plug away. 

sarahramirez
by on Jan. 15, 2012 at 7:12 PM

BUMP!

Anonymous
by Anonymous 1 - Original Poster on Jan. 15, 2012 at 8:44 PM
Quoting Anonymous:

Well I've lived on my own for a while, just recently moved back home so currently staying with my mom. I'm staying with her so I could save money though. I don't have a job yet but I start school  so I will start receiving money every month for going to school from being in the military. Roughly around 1100. I get CS but it varies because its not court ordered. He does what he can right now which is about 200 every month. I'm not on PA or WIC even though I should at least be on WIC right now. My rent will be 600 and my car note and insurance every month is 350. My utilities will run about 100-150 every month. Food, about 100 since it's only me eating. My son gets formula now so that costs about 20 every 10 days and I get diapers from walmart they work really good. 196 diapers for 20 bucks is great to me. They last for a month . I will be on a very tight budget until I start working which hopefully I get this job as a front desk clerk at a casino's hotel. If you have any questions ask away. 




I may have to stay with my parents but am trying to avoid it at all cost since when I stayed with them the times before when we got separated it made things alot worse for me.
Anonymous
by Anonymous 1 - Original Poster on Jan. 15, 2012 at 8:49 PM
Quoting Chrismomto5:

Before I was able to transfer my nursing license, I had to get a crappy job making $8 an hr and couldn't even get 40hrs a week.  I had about $600 a month in CS (sometimes less.)  I brought home roughly $800 a month from my job.  My rent was $699, electric averaged $150 a month, $50 for internet/cable (needed internet for school and it was cheaper to get it with basic cable.  W/O cable, internet would have been close to $70 a month.), and $80 for my cell phone (no house phone.)  On average, I paid $1000 for bills, and had $400 a month left over for food, gas, clothes, ect.  It was very tight, but I just bought things on sale and didn't spend money on anything we didn't need.  For a while I was also paying $300 for a friend to babysit my kids.  When my bf (now husband) moved in, he took over that job so it saved me $300 a month in childcare.  




I don't know if I'll get CS, DH will get custody, or if we'll do split custody. $600 sounds really good for CS. That would help alot.
Anonymous
by Anonymous 3 on Jan. 15, 2012 at 8:53 PM

I raised 4 with just 366/mo child support. You learn to get creative...I worked 32/hrs a week as a bartender (Good tips-no taxes, & $$ in pocket for the things that seem to come up every day) and then 2-3 hours overnight as a bundle-drop driver (delivering bundles of newspapers to the paperboy's homes) That job paid our rent every month, and the kids would come with & help during summers & vacations. If we ever needed $$ for something extra I would take a 3rd p/t job like fast food or cleaning homes or answering phones or?..... It can be done.

Anonymous
by Anonymous 1 - Original Poster on Jan. 15, 2012 at 9:02 PM
Quoting Chrismomto5:

Before I was able to transfer my nursing license, I had to get a crappy job making $8 an hr and couldn't even get 40hrs a week.  I had about $600 a month in CS (sometimes less.)  I brought home roughly $800 a month from my job.  My rent was $699, electric averaged $150 a month, $50 for internet/cable (needed internet for school and it was cheaper to get it with basic cable.  W/O cable, internet would have been close to $70 a month.), and $80 for my cell phone (no house phone.)  On average, I paid $1000 for bills, and had $400 a month left over for food, gas, clothes, ect.  It was very tight, but I just bought things on sale and didn't spend money on anything we didn't need.  For a while I was also paying $300 for a friend to babysit my kids.  When my bf (now husband) moved in, he took over that job so it saved me $300 a month in childcare.  




Luckily I won't have to pay for childcare but things are going to really tight for me as well. I'm trying to remain in my current home but not sure I can afford it. But maybe I can.
Anonymous
by Anonymous 1 - Original Poster on Jan. 15, 2012 at 9:09 PM
Quoting randi1978:

I got laid off and my unemployment is about $500 less than what I was once earning.

Just enough to keep us above water.  I pay for my own food, rent, utilities, etc.  I do receive medical for my daughter, but that is it.

It's tight as hell, but we manage.  All you can do is just plug away. 




I just became unemployed recently & now my husband is wanting a divorce on top of that. I don't even know if I qualify for unemployment. I will be looking into it though. I've never lived by myself but I prefer that to getting a roommate or going back to my parents.
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