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wife needs a college age male already, then you've got a handle on what it costs to live. I'll bet you're responsible for keeping bills paid, too, aren't you? So you know what you can afford by yourself, you're just afraid to take that step. FWIW, as a single mom with two little ones, you'll qualify for a little bit of help, but not much on that salary. That's decent. You can get food stamps in the short-term as an emergency measure, possibly WIC for the. I managed as a single mom of one for a few years on far less than that. When my little one was still in daycare, I was a full-time college student. I worked 20 hrs a week as well, for which I was paid a whopping $ /month after taxes. My student loans helped with tuition and travel expenses. Other help came in the form of low-income housing ($42/mo for a 2-br apt), food stamps, WIC, free daycare, medicaid for my, utility assistance programs, and the church food storehouse. Once I graduated and got full-time work, I still brought home only $ /mo. I didn't have daycare expense (sister down the street watched him after school), and I no longer qualified for any other help. But I managed. Found housing I could afford, and I shopped smart (bulk, off-brands, basics only, cooked a lot at home). Clothes from thrift stores or garage sales, liability only on my car which was a cheap paid-off junker with a strong heart, not extras. No manicures, hair appts, cell phone, amusement parks. Christmas was still provided by family, or very inexpensive items. Granted, those times were in the early '90s and I don't how I could manage the same today on that income. But yours seems quite do-able, even in today's climate. Advice: Budget every. Track your spending, every. Save anything you can, even if it's just a couple of dollars. You'll be surprised how much control you can maintain if you just watch where it all goes.
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