How may ways are there for.....

  1. A single mom of 4 to save money and pay all her bills while going to school?

    With all of the views going on around here, I'm sure we can come up with a boatload! (It's for me....divorce has become an option....)
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  2. 20 Comments

  3. by   NDivine
    Quote from Julielpn
    A single mom of 4 to save money and pay all her bills while going to school?

    With all of the views going on around here, I'm sure we can come up with a boatload! (It's for me....divorce has become an option....)

    Since I have been there, and it is possible, here's my advice

    eat at home, but treat yourself and the kids once in awhile
    coupons, use them
    casseroles
    use nature (hiking biking, swimming) as a form of entertainment rather than renting or going to the movies (this can get expensive)
    when you do go to the movies, take yor own home made snacks
    stay healthy, (avoid doctor visits)
    get rid of cell phones
    walk places whenever possible (to the store, if it is only 3 blocks away)
    Don't speed (tickets get expensive)
    thrift stores for those items you can get second hand and live with
    Make of list of wants and needs and only get your needs when shopping
    do not pay with a credit card whenever possible
    Do not take your credit card in the story to avoid temptation
    reduce your utlilities by washing full loads only and use the clothes line
    cancel your cable (do you really need it)
    If you abuse Cappacino, special coffees, limit yourself (Soda pop also)
    Consider quitting smoking (if you smoke, if you don't smoke, don't start, in school)

    These are just a few things I can think of, I'm sure others can think of more.

    Just my 2 cents, as it worked for me. Also, I purchased used books whenever possible.
  4. by   NDivine
    Quote from Julielpn
    (It's for me....divorce has become an option....)


    Is this a new development? I'm sorry, divorce can be difficult, regardless of how badly it is needed.
  5. by   Saved_by_Grace
    As well as using the great ideas already mentioned,Apply for federal financial aid. A lot of times you get more money than you need for tuition and books (depending on how expensive your school is) and the extra money can be used for living expenses..etc A lot of states have childcare assistance programs...I don't know how old you're kids are, but that might be of use to you. Get rid of all unecessities... take caller id and all the frills off the phone line...cancel cable etc...these add up each month.Check with your school they may have programs that you are not aware of a lot of times they can really help you out! Good luck through this transition in your life! May God bless you and your kids!
  6. by   mercyteapot
    Swap child care services with someone you trust to care for your kids.
    Lots of communities have a "SHARE" program where you swap a couple hours of community service a month (it can often be something you're already doing anyway) and a certain amount of cash for groceries that are worth about the double the cash amount.
    Monitor the utilities in your home. Make sure your kids know the cost of leaving lights on or wasting water. Use conservation measures yourself.
    Consider ways to cut your travel costs. Is carpooling an option? Less expensive places to park if you have to pay? Do you live close enough to walk or ride a bike?
    If you do divorce, don't forget to inform the financial aid office of your change in circumstance. You may be eligible for more assistance.
  7. by   Nikki730
    Those are some great suggestions you are getting. People lived without cell phones and cable 10 years ago, and can again. Also, if you are spending a lot on your internet provider, you can see if you can get one for cheaper. And, of course, if you can pay insurances once a year, you might get a discount. Thrift shops and garage sales were the source of much of my wardrobe. I'm thinking of cancelling my month-to-month gymn membership in favor of using the work out facilities at my school.

    Buying large quantities can help, IF you know its a good price, and you know you'll use it (a good brand shampoo, feminine supplies, toilet paper, etc.) I used to do this. My parents also have a big, separate freezer, to store items they get on sale (chicken for 39 cents a pound, tv dinners, etc.).

    When I was in school, I took the same aerobic walking class 4 times. That way, I got my 4 units, and had no expenses such as special clothing, shoes, or commuting off campus. I bought the book only once.

    I also like to go to the library for entertainment, to read their magazines, so I don't buy them on impulse. Your kids can also pick up books and video tapes that can entertain them while you are studying. You can look for things you spend money on that you don't really HAVE to have, such as weekly car washes, bottled water, etc. Also, if your taxes are simple enough, do them yourself, to save the cost of a preparer (I like to keep that $ for myself! It's worth the head ache!)

    A few times, I would bring "extra" supplies to lab, that we were required to bring on our own (paper cups to plant a seed in, laundry detergent for a chem lab,etc) then sell it for a big markup.
  8. by   sandypinktruck
    Im a single mom of 5 great kids, and you can do it!!!
    Another option might be find ways to supplement what income you might already have, or create new income.

    I sell belly button rings on ebay, Its silly what people buy, but it sure helps!! Also ebay is great to make purchases to save money, just dont get carried away. My Littmann cardiology scope cost me $30. My teenage daughters found 20 pairs of jeans for $35, in those hot brands they wanted that mom couldnt afford.

    I also like to paint on plain jane scrubs and sell them. People see me wearing them and ask me where I got them.

    Check and see if there are any clinical research facilities in your area. I am currently in a study. I am on a low dose estrogen, and they are checking my blood and doing U/S on me 3X a week, but the compensation is more than what I make on my job.

    Have faith, it isnt always easy, but we weren't promised that. "For I know the plans I have for you, declares the Lord,... Plans to give you hope and a future.... You will seek me and find me when you seek me with all your heart". Jeremiah 29:11
  9. by   Energizer Bunny
    Here's one I don't think was mentioned, but may have been....if you belong to a gym, drop the membership and use your school's gym. That's what I intend to do...

    Oh, and these are great not only for single moms, but for anyone struggling with cash (aren't all of us students struggling?)
  10. by   Havin' A Party!
    Quote from mercyteapot
    ... Make sure your kids know the cost of leaving lights...
    Actually, repeatedly turning lights on and off will be more expensive.

    Guideline: If you expect to be back in the room within the hour, then leave the light on. (Exception: Intense lights, such as halogens and the like.)
  11. by   Havin' A Party!
    Quote from Nikki730
    ... I also like to go to the library for entertainment, to read their magazines, so I don't buy them on impulse. Your kids can also pick up books and video tapes...
    CDs are also available there.
  12. by   Havin' A Party!
    Quote from CNM2B
    ... if you belong to a gym, drop the membership and use your school's gym...
    Or you can design a great workout at home. Been doing this for decades.

    No equipment? Not a prob. Do calisthenics, isometrics, use the stairs, soup cans, heavy books (your favorite nursing volume will do!), etc.

    Exercise your imagination.
  13. by   GPatty
    Thanks for all the ideas folks!
    Is it a new development? No, not really. Just getting really sick of the crap and ready to make a change. Not only for me, but for the kids too.
    I'm considering filing bankruptcy, then doing what needs done.
    Anyone else ever filed bankruptcy? I have so many old credit card bills and the like, it's pathetic. And I really see no other way out. That's part of the reason I'm still in his, can't afford not to be...
  14. by   Energizer Bunny
    julielpn......we are in the process of getting everything together to file bankruptcy. We want a fresh start and owe over $50,000 not couting student loans that can't be added on.

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