Low Income Single Mom. Need ideas for places like the YMCA that give discounts.

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Just remember that free dining frequently requires you to stay onsite and purchase tickets for 3 nites or more... so your free tickets may not allow you to free dining....
I believe that in past years, you had to stay 3 nights or more, but you could purchase tickets for only one night, if you wanted to. Everyone in the room has to get the same package though, so that would be 1 night ticketsx4 for the OP.
 
Our area has a parenting magazine that lists summer camps for the kids. Most have a few spots open for scholarships. If you can find a local publication like that (usually at the grocery stores or the library) you can get great ideas your children can do this summer.

Also our zoo is free on Mondays, which is a great way to spend the day together. Not sure if you have a zoo nearby. Also, we have lots of parks that offer free nature programs as well as library programs free of charge. HTH
 
Isn't there a stipulation in your support or divorce papers that states what percentage your ex needs to pay of these type of expenses?

not always- AND it might only be certain things- like daycare up to a certain age etc.

there is no agreement betwen my ex and I for our 2 dd's.......but we dont need a court order to pay our share of our kids expenses..

Brandy
 
No, I didn't know about the earned income tax credit, I will look into that for 2008. My income was so low for 2007 that I didn't even have to pay Federal Income tax... That is how low it is. So weird for me to realize that. I don't feel like we are in that kind of a situation, but we are.

I'm sorry, but I just don't understand that. If your income is indeed that low, the last thing you should be thinking about is a trip to Disney World, especially when you just took one. Yeah, I know I'll get flamed for this, but you came here looking for opinions. If you're at poverty level, you should be putting that money aside for food and bills.
 

And don't let anyone make you feel guilty for going to WDW on a low income. It's your money; spend it how you want. We went the last 2 years, are skipping this year to save, and plan to go on a cruise next year! All on my super low income.

I was going to agree! According to the state...I make to much to qualify for any assistance...but I am paycheck to paycheck...but...yanno... some people make sacrifices for things THEY want... because..it's just that...what YOU want. My time with my kids at Disney beats anything else I can imagine... yes...even going without cable, phone or internet and extra munchie food for awhile :)
 
I was going to agree! According to the state...I make to much to qualify for any assistance...but I am paycheck to paycheck...but...yanno... some people make sacrifices for things THEY want... because..it's just that...what YOU want. My time with my kids at Disney beats anything else I can imagine... yes...even going without cable, phone or internet and extra munchie food for awhile :)


I agree that as long as you aren't taking money away from food or bills it's not biggie to spend the money on a trip to Disney. It can't be all work and no play. We work to enjoy life and there's nothing like enjoying with your children. Something else about the free lunch program is that if your school offers other meals such as breakfast that can be either at a reduced cost or even free as well as the lunch! It's a great program for those in need and can certainly help you save. Many children who are on the free and reduced program are also eligible for other things such as free glasses, free health care, and free CAMPS from the local boys and girls clubs or even other larger camps. All you need is a letter from the school district stating you are on the free and reduced program. Certainly check into all this and it'll be worth your time! GL!
 
You may well qualify for the Earned Income Tax Credit, in case you did not already know that.

Also, your kids may qualify for a free/reduced school lunch (here the cutoff is 150% of the federal poverty line), if you are interested in signing up for it.

At my DD's school if you qualify for free lunch you can also get free before and after school care provided at the school. If you qualify for reduced lunch they also reduce the cost of the before and after school care. If you are working full-time and need daycare before and/or after school care at the school is much cheaper than a daycare center. Anyway the cost of the care is picked up by United Way. So you might want to check with United Way in your area and see if they offer other programs.
 
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I'm sorry, but I just don't understand that. If your income is indeed that low, the last thing you should be thinking about is a trip to Disney World, especially when you just took one. Yeah, I know I'll get flamed for this, but you came here looking for opinions. If you're at poverty level, you should be putting that money aside for food and bills.


Okay first of all she said she is about 10k above the poverty line, which is roughly $21K for a family of four, so that would be around $31K. If you make under around $36 or $37K you qualify for the EIC and don't pay any federal taxes, so I'm thinking that she DOES buy food and pay her bills and that your comment is pretty much out of line. Summer camp is EXPENSIVE. I will have to pay $250 for ONE week of camp for ONE child so I can work and my income isn't much more than the OP's. Any help in terms of scholarships, grants for low income, etc. for camp or extracurriculars would be a great thing for many. Not to mention, it frees up more money for family things, like a WDW vacation.

It's highly unlikely that the OP will qualify for any government programs if she receives child support anyway because that will bump her income up too high. The IRS doesn't count CS, but every other government agency does.
 
Isn't there a stipulation in your support or divorce papers that states what percentage your ex needs to pay of these type of expenses?

No. That is what child support is for. The support I get is to cover all expenses for the children. The only thing EX and I split is medical and dental expenses with a 50/50 split. Ex does not have to pay one penny for anything else... and he doesn't. Has the ability to, but he is one of those who just doesn't care. He actually went an entire year not paying support at all... and he got away with it.
 
Just remember that free dining frequently requires you to stay onsite and purchase tickets for 3 nites or more... so your free tickets may not allow you to free dining....

Oh no... I didn't know that. Well, I think I read that, but I somehow blocked that out. So, I would need to purchase tickets for 3 days, in order to get the free dining, if and when it happens? Would I be able to get the dining for more days than the tickets were for?... Crud.... I bet I won't.
 
And don't let anyone make you feel guilty for going to WDW on a low income. It's your money; spend it how you want. We went the last 2 years, are skipping this year to save, and plan to go on a cruise next year! All on my super low income.

DO check into the Earned Income Credit and the Child Tax Credit, even for this year. The EIC and Child Tax Credit together can be huge--I usually get a refund of $5-6000, and I pay no income tax so it's more of a gift than a refund. With three kids instead of two, yours could be even bigger. If you aren't divorced yet, ask your lawyer to try to make it so YOU claim the kids on your tax return. If you are going to split who claims the kids, go for being the one to claim the younger ones as they will be under 17 longer--something that will mater for the child tax credit.

I must beg to differ. If you pay no taxes, and receive the gift as you say, you're not spending your own money - you are spending mine and everyone elses that actually pays taxes. I wrote a check today for over $9000 to the IRS and my state. You're welcome.

I know i'll get flamed for this, but I can't help it.
 
No. That is what child support is for. The support I get is to cover all expenses for the children. The only thing EX and I split is medical and dental expenses with a 50/50 split. Ex does not have to pay one penny for anything else... and he doesn't. Has the ability to, but he is one of those who just doesn't care. He actually went an entire year not paying support at all... and he got away with it.

Actually that's not what child support is. There is the basic child support and there should have been a situplation that he also needs to pay 50% of the cost of childcare in addition to child support. I would file a petition to modify the support order.
 
You should go down to your local Adult and Family Services and ask this question. The one near me has a huge list of resources for things like child care, health insurance, etc. Where I live, the city parks and recreation department has need based scholarships that can be used for things like summer camp, after school programs, and after school sports. It's $150 or so per kid per year, which really only pays for one week, but it's a real blessing when school is out.

Thank you for the ideas... I will head over there on Monday and see what they offer.

tasha99;24261555And don't let anyone make you feel guilty for going to WDW on a low income. It's your money; spend it how you want. We went the last 2 years said:
and thank you again... I kind of felt weird with that other post. While I have very little money, my children have been lucky enough to have family who want them to have fun just like other kids and get to go to WDW.

Wow! I had no idea that EIC was the kind of money! I am officially divorced as of this past January 28. My Ex took me back to court immediately to try to get to claim the children. The Judge flipped out, and said he is only going to go by what the IRS states... Which means since all three reside with me, I claim them.
 
I must beg to differ. If you pay no taxes, and receive the gift as you say, you're not spending your own money - you are spending mine and everyone elses that actually pays taxes. I wrote a check today for over $9000 to the IRS and my state. You're welcome.

I know i'll get flamed for this, but I can't help it.

Do you also expect a thank you from the politicians that spend your tax dollars on $1,000 shower curtains, etc.?

Take your negativity somewhere else, it doesn't belong here. Next time you feel like you "can't help it", click that little X in the top right corner of your screen.
 
I believe that in past years, you had to stay 3 nights or more, but you could purchase tickets for only one night, if you wanted to. Everyone in the room has to get the same package though, so that would be 1 night ticketsx4 for the OP.

One night... that isn't too bad I guess. I think that I would still come out ahead.
 
No. That is what child support is for. The support I get is to cover all expenses for the children. The only thing EX and I split is medical and dental expenses with a 50/50 split. Ex does not have to pay one penny for anything else... and he doesn't. Has the ability to, but he is one of those who just doesn't care. He actually went an entire year not paying support at all... and he got away with it.
In PA child support it pay for food, clothing and housing. After school care etc. is in addition to CS. PA also has a great collection record and a non-paying ex a year behind would be sleeping every night in jail. They would only be allowed to leave for work. PA garnishes wages for CS and if you quit your job a bench warrant is issued if you did not have another job and set up garnishment from your new employer.

That is not true of all divorces. I have a cousin who is in CT and he had to pay not only CS but any child care costs (his split was 80/20) etc. So maybe they put that in the divorce decree.

My other cousin in NJ's ex pays child care on a kid to at least 12 (not sure what age, since it is based on NJ law as to when a child can stay home alone) too. Again it maybe in the divorce decree.

I would think your ex makes close to the $31K you do if you have a 50/50 split on medical and dental.

For my cousin in CT that split of 80/20 was based on income and he had 50% of the time with the kids (one week at each parent's house with the other parent getting Wednesday dinner and night). The parents had to stay in the same district to allow the kids to use the school buses to come and go to the parent's houses. If either left the district than the other got full custody with the other getting visitation.

Doesn't CT go after back CS?
 
I must beg to differ. If you pay no taxes, and receive the gift as you say, you're not spending your own money - you are spending mine and everyone elses that actually pays taxes. I wrote a check today for over $9000 to the IRS and my state. You're welcome.

I know i'll get flamed for this, but I can't help it.

No flames here. The extra money is to help pay day to day needs not WDW vacations. If you can fund WDW vacations then stop taking money in whatever form and support yourself.

I believe in hand ups, but these are not hand ups but income redistribution.
 
In PA child support it pay for food, clothing and housing. After school care etc. is in addition to CS. PA also has a great collection record and a non-paying ex a year behind would be sleeping every night in jail. They would only be allowed to leave for work. PA garnishes wages for CS and if you quit your job a bench warrant is issued if you did not have another job and set up garnishment from your new employer.

That is not true of all divorces. I have a cousin who is in CT and he had to pay not only CS but any child care costs (his split was 80/20) etc. So maybe they put that in the divorce decree.

My other cousin in NJ's ex pays child care on a kid to at least 12 (not sure what age, since it is based on NJ law as to when a child can stay home alone) too. Again it maybe in the divorce decree.

I would think your ex makes close to the $31K you do if you have a 50/50 split on medical and dental.

For my cousin in CT that split of 80/20 was based on income and he had 50% of the time with the kids (one week at each parent's house with the other parent getting Wednesday dinner and night). The parents had to stay in the same district to allow the kids to use the school buses to come and go to the parent's houses. If either left the district than the other got full custody with the other getting visitation.

Doesn't CT go after back CS?

I don't make nearly as much as my ex, but our unreimbursed medical and dental is 50/50. I think that's pretty standard regardless of income. The childcare however is pro rata. Meaning he makes more, he pays more than 50%.
 
I must beg to differ. If you pay no taxes, and receive the gift as you say, you're not spending your own money - you are spending mine and everyone elses that actually pays taxes. I wrote a check today for over $9000 to the IRS and my state. You're welcome.

I know i'll get flamed for this, but I can't help it.

Sorry, but there are a whole lot of people (especially single parents) whose true tax after filing is a negative percentage. If you want to try to change the system, go ahead, but as it is now you have absolutely no say in how I spend the money.
 
Our area has a parenting magazine that lists summer camps for the kids. Most have a few spots open for scholarships. If you can find a local publication like that (usually at the grocery stores or the library) you can get great ideas your children can do this summer.

Thank you, I will look into this.

I'm sorry, but I just don't understand that. If your income is indeed that low, the last thing you should be thinking about is a trip to Disney World, especially when you just took one. Yeah, I know I'll get flamed for this, but you came here looking for opinions. If you're at poverty level, you should be putting that money aside for food and bills.

I thank you for your thoughts. Just so eveyone is aware, I do pay for food, and bills. That was not the kind of information I was asking about. What I was asking about were things specific to being a single low income mother of three. Things specific for my children. My YMCA offers a special Single parent family price, as well as offering scholarships. I think that is a wonderful thing. As far as WDW goes, my past two trips were not paid by me. My children have family who want them to have fun just like other kids. They are lucky. And I am very grateful. :)

Okay first of all she said she is about 10k above the poverty line, which is roughly $21K for a family of four, so that would be around $31K. If you make under around $36 or $37K you qualify for the EIC and don't pay any federal taxes, so I'm thinking that she DOES buy food and pay her bills and that your comment is pretty much out of line. Summer camp is EXPENSIVE. I will have to pay $250 for ONE week of camp for ONE child so I can work and my income isn't much more than the OP's. Any help in terms of scholarships, grants for low income, etc. for camp or extracurriculars would be a great thing for many. Not to mention, it frees up more money for family things, like a WDW vacation.

It's highly unlikely that the OP will qualify for any government programs if she receives child support anyway because that will bump her income up too high. The IRS doesn't count CS, but every other government agency does.

I think this is exactly why I didn't know about the EIC. But I will read more about it to see if I do qualify. I am around $10,000 above poverty level for a family of 4. I may be sitting on the fence of not qualifying. I don't know. But I will look into this.

I must beg to differ. If you pay no taxes, and receive the gift as you say, you're not spending your own money - you are spending mine and everyone elses that actually pays taxes. I wrote a check today for over $9000 to the IRS and my state. You're welcome.

I know i'll get flamed for this, but I can't help it.

Goodness, I don' t know what to say. My children are lucky to have family who paid for our trips. We are very lucky to have enjoyed them. I won't flame you. I am just sorry you are mad at me for not earning a lot of money this past year, being single, and having family who paid for vacations for my family. For the record, I did not have to pay Federal Income Tax as my income was too low, but I did have to pay CT tax which was quite a bit for me. Not sure if that matters much to you... Again... sorry you are so mad.

Actually that's not what child support is. There is the basic child support and there should have been a situplation that he also needs to pay 50% of the cost of childcare in addition to child support. I would file a petition to modify the support order.

I went through an 8 day trial. The support was ordered by a Judge. I do not share expenses for anything other than medical and dental. Apparently in CT, Judges do not order such things. Only in amicable divorces are things written that way in the divorce settlement.

In PA child support it pay for food, clothing and housing. After school care etc. is in addition to CS. PA also has a great collection record and a non-paying ex a year behind would be sleeping every night in jail. They would only be allowed to leave for work. PA garnishes wages for CS and if you quit your job a bench warrant is issued if you did not have another job and set up garnishment from your new employer.

That is not true of all divorces. I have a cousin who is in CT and he had to pay not only CS but any child care costs (his split was 80/20) etc. So maybe they put that in the divorce decree.

My other cousin in NJ's ex pays child care on a kid to at least 12 (not sure what age, since it is based on NJ law as to when a child can stay home alone) too. Again it maybe in the divorce decree.

I would think your ex makes close to the $31K you do if you have a 50/50 split on medical and dental.

For my cousin in CT that split of 80/20 was based on income and he had 50% of the time with the kids (one week at each parent's house with the other parent getting Wednesday dinner and night). The parents had to stay in the same district to allow the kids to use the school buses to come and go to the parent's houses. If either left the district than the other got full custody with the other getting visitation.

Doesn't CT go after back CS?

I think I answered your questions in the above comment. CT does go after back Child Support once it has been ordered by a Judge. I went for a year without support because my first two lawyers took my money and never got me into to court to get the support. They never filed for a date that would mark the beginning of the Child Support. I sold off my jewelry to pay for them, and the first two got me nothing at all.



I am sorry that folks are so angry at me for asking my question in the first post. I am a great mom, who loves my children dearly. I have gone through a horrible 3 1/2 year divorce, an 8 day trial... It has been very difficult. My Ex has the ability to hide his income, and he did. The Judge did nothing. Apparently CT is known for favoring men. All I know is I dearly hope that no ever has to go through what my children and I have all been through. The good news it is all finally over. :) I count my blessings every day. I surely hope to not be in the financial situation I am in next year.
 
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