Raising a family is tough. Especially with a lower income. There are many choices as a parent, and not having any financial support, it sometimes life feels overwhelming. You might be happy to hear that there is a lot of assistance available for you if you live in Iowa. There is help with childcare, rent, transportation, bills and a lot more.
You can partner with another parent or family who works opposite shifts from you to do a childcare swap. If this isn’t for you, you can also try to create a switch-off system with your spouse although it can become complicated. Because making enough money is already difficult, it might be detrimental to both of your careers if you manage your kids at the same time.
Families with lower incomes may qualify for child care subsidy through the Childcare Assistance program. This is available to people of certain incomes with children under the age of 13 who are participating in the Family Investment Program.
In addition to financial assistance for low-income families, the Iowa Department of Human Services also provides a means of locating reputable childcare.
You can use a number of parameters to find the type of childcare situation you desire from certified licensed daycares to in-home childcare.
If your employer offers health-care coverage, this is typically the best option.
If not, consider applying for one of the state programs.
Medicaid provides coverage for unemployed or low-income individuals through the Department of Human Services. If you are working but your kids are not insured, you can apply for coverage through Hawk-i for your kids. You may be able to get care for yourself through the IowaCare program.
Food and Supplies
The Food Assistance Program helps give food to needy families.
This program is run by the Department of Human Services (DHS) and is available to low and medium income families. You also need to have children under the age of five can receive supplemental nutrition through WIC.
The requirements are that you must be following the income guidelines and be a legal U.S citizen.
Non-profit organizations throughout Iowa also operate several food banks and food pantries, like the Northeast Iowa Food Bank.
Because Iowa has many rural areas, access to quality transportation can be limited to those who do not own a car.
If you need help getting to or from work, call a church in your area to see if they offer shuttle services for you. If this does not work, consider finding someone you can carpool with.
You can also ask your employer if they can offer a refund or a method of transportation. After all, if you can’t make it to work, it is also harmful to your employer. So it is also in their best interest to find a ride for you.
The Partnership For Affordable Housing Inc. in Davenport offers rent assistance. Visit the website or call for more information.
If you are struggling to pay your mortgage or are facing foreclosure, there may be help available from a number of Iowa-based programs intended to help keep you in your home.
HUD operates several programs in conjunction with the state of Iowa to help families find a place to live. Section 8 housing subsidies and vouchers make it possible for those who cannot afford typical rent to find housing they can afford.
The Iowa Finance Authority helps people buying a home and helps them with any assistance related to it that they may need. This information is open to first time home buyers or even new buyers. They work with various lenders to help you out. Their goal is to promote affordable housing, backed by the government.
Iowa City- Keeping up with rent and having enough money for it can be difficult, especially off of one income. Luckily, the local government is here to help by offering many programs to make it a little bit easier.
If you find it impossible to reach your financial goals without a further education, consider heading back to school with night classes or even online classes. Or maybe its finally time for your kids to go to college and you don’t know if you can afford it.
The first step in finding financing for this endeavor is filling out the FAFSA for federal aid. The state of Iowa offers many different scholarships and grants through state programs and local organizations.
For those needing help with legal matters, Iowa Legal Aid in Iowa City provides free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties.
Legal assistance may cover issues including:
- adoption services
- advance medical directives
- certificates and forms assistance
- child custody or visitation assistance
- child support assistance or enforcement
- consumer law
- discrimination assistance
- domestic violence
Get Help By Location
Various communities, cities, and counties offer specific assistance to residents. Here are some of those agencies.
The Tolson Community Action Center in Mt. Pleasant can help with
- Child Care Provider Referrals
- Early Childhood Education
- Economic Self Sufficiency Programs
- Utility Service Payment Assistance
The Clay County Public Health Department in Spencer provides the following services:
- Adolescent/Adult Immunizations
- Childhood Immunizations
- Community Wellness Programs
- Expectant/New Parent Assistance
- Home Health Aide Services
- Homemaker Assistance
- Hospice Care and Public Health Nursing.
As you can see, there is a lot of help available for you to utilize. These programs were made for you, so you should use them and save a lot of money. Oh and stress!
Check out what you are eligible for and get as much as help as you can.
If you have any questions, feel free to comment down below.