I have a pretty big financial problem and have no idea how to fix it. I currently work full time, have a 2 bedroom apartment that I pay $900 per month for, and pay $967 to child care each month (my daughter is in full time daycare, and my son in before and after care). My ex just stopped paying child support because he doesn't have any money to give me. He filed child support a little while ago, but, since he had no money to give me, the support order was put on hold until May 20, when hopefully he'll have money, but it doesn't look like it is going to happen. At that point, it can either be postponed again, or he can withdraw it altogether. Either way, I'm not getting anything.
I can't pay for the apartment, childcare (and camp this summer), bills, insurance (car and medical), and student loan by myself, never mind the gas, food, and clothes/shoes for my two children. I am working extra jobs on the weekends (cleaning and direct selling - Silpada) that my ex has visitation, but it still isn't enough. I don't have cable, and have cut expenses wherever I could.
My dad is 72, my mom is no longer living, my sister has a chronic illness, my brother lives in another state, and my inlaws still work full time. Family isn't an option, unfortunately.
My daughter will be in kindergarten this fall, but it is a half day. I would still have to put out $420 for her, and $200 for my son for before/aftercare. I could change school districts to one with a full day kindergarten, but that would mean a new apartment (I have no money to put down) and it would be mid school year.
Help, anyone? How do single moms make this work? If I work part time, I'll still be short on cash. I could possibly work part time, M-F 9 - 2:30 so I can drop off and pick up, but would have to definitely work nights and weekends to make up for that money. I would need to find reliable people to watch the kids on those nights. And then I won't have the insurance coverage I have now with my full time job. I am thinking that this may be the only option, however, this doesn't help with summer camp. I make too much to qualify for any sort of government assistance.
I would appreciate any and all feedback!! Thanks so much in advance.