The Federal government made it obvious that they intended to stop the welfare mum culture and persuade single mothers to go back to work. To that end, they reduced welfare for single mothers and implemented programs and policies to reward single mothers for working. If you are a working single mother, there are many choices available to help you to defray your daily costs. Help for single mums is still out there, it just may not be as obvious to the general public as it was in the past.

The government permits employers to offer a dependent care flexible spending account as a benefit for the employees. The benefit operates by taking child care deductions out of the paycheck prior to taking out taxes. The employee then must claim the money through the Human Resources department by submitting the receipt of payment for qualifying childcare expenses.

This provides some help for single mums, as well as all families, by offering a savings equal to the end of the year tax rate on that portion of their salary allotted to childcare expenses. However, if all the monies that were paid into the fund are not claimed, they are not refunded to the employee. Therefore, one has to be careful and only allot to the fund, the exact amount of money that one intends to spend on childcare for the year.

One particular period that a single mother can benefit from, is around tax time. If she was employed throughout the year, she can file as the head of the household, and be eligible for a reduced tax rate, and may even qualify for an earned income credit. To be qualified as a single mother, one has to have earned income during the year, but beneath a particular level. This credit can add thousands to your tax refund, and is a form of government sponsored support package for working mothers. It can even be paid straight into your paycheck the following year, instead of waiting for the end of year to apply and receive the benefit.

The Department of Social Services has the most information on where else to get help for single moms. They can provide you with help to qualify and get into programs like food coupons, medical assistance, child support enforcement, and child care subsidies.

For housing, the Department of Housing and Urban Development offers programs for low-income people in the form of vouchers, section 8s, or first-time home buyer programs. In addition, the Federal government gives out help for single mums in the form of education loans to help them obtain new skills and get into the workforce. You can locate these by looking through the programs that are available and then filling out a FAFSA and applying to a college or university that will look through the programs to see if you qualify.

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