Working At Home

Starting a home business can be a rewarding experience for a busy mom and her family, but it is not necessarily easy.  It takes a log of dedication and persistence.  Being organized is definitely an advantage, since you will have to maintain your business and home life under one roof. Some of the part time home business ideas and full time home business ideas that we will cover in future articles are:

Organization: I have already said this, but it needs to be repeated. Boundaries will need to be set and enforced when you work from home. Having a set schedule and a separate work space that is off limits to others, are two of the many topics that we will discuss in this upcoming must-read article.

Finances: It is important that your business finances are separate from your home finances. An accountant is essential for a home-based business. This will be an important article to read before tax-time!

Setting up your workspace: Of course the specific of your workspace will depend on the work that you do, but there are many common things that most at-home offices will need. We will give you your must-have list!

Keep records: It is imperative that you keep excellent records of your business dealings. There are some great tips for this that will be coming your way.

Housework while working? Yes, it can be done without infringing on the boundaries that you have set. Wail until you hear about this great multitasking time saver.

So, stay tuned for the future updates. We know that the articles will help you with your at home business. As always, if you have any tips or comments, please let us know. We wan

Small Business Grants For Women

Options are available for business minded women needing help in starting their business.  The United States Small business Administration (SBA) defines “women-owned small business” as businesses owned by a woman majority, specifically at or more than 51%.  This also means that the day to day operations of the business is managed by women.

To start the grant process, some critical information about your business must be established.  Carefully determine the capital that you require and write as much detail as possible the size of the funds and their sources in your loan proposal.

Inquire about SBA women-owned business grants through the SBA offices at 1-800-827-5722 or go to

Scholarships for Moms

There are scholarships and grants for moms in place to help moms going back to school. If you’re looking for information about scholarships for moms returning to school and financial assistance options, below are some possible scholarship loans and grants for moms returning to school.  Some have distinct exceptions for single and teenage moms.

Stafford Loans – Stafford Loans are fixed-rate student loans specifically designed for undergraduate and postgraduate students. All applicants are eligible for the loan regardless of their credit standing. Depending on the needs of the applicant, these loans can be subsidized or unsubsidized by the government.  If you find yourself having trouble paying off the loan, there are variety of resources in place to give you assistance. You can even continue paying for the loan up to six months after you’ve stopped attending school. The loan is flexible in the sense that it allows you to spend your money on anything you think will support you your life as a student, whether it’s books, rent or a car.

Federal Loans – Federal Loans have low, fixed interest rates with a variety of flexible repayment options to give you the financial aid you need to make it through your schooling. Federal loans come in many forms, each having a different system and process of application.

Private Student Loans – Private student loans are usually used as a supplement to federal financial aid. These credit-based loans determine their interest by the record of your credit, and normally go past the normal cap imposed on federal loans.

Pell Grants – Unlike loans, grants do not need to be repaid. Grants are awarded to individuals with great potential who will most benefit from financial assistance. Pell Grants are a great way of gaining additional support in paying for the needs of your family and your schooling. The grants offered depend on your financial needs and how much income you earn. The maximum Pell Grant for the year of 2010 to 2011 is around $5,550.

State Grants – State grants are a way that states provide financial and educational aid to capable minorities, low-income students and moms interested in pursuing positions with high-demand in the work force. Although the mechanics of the grant differ from state to state, they are all designed to provide assistance with tutition, transportation, books and other school supplies.

Institutional Grants – Institutional grants are grants awarded by specific colleges and universities to students who are pursuing a very lucrative field of study, or are conducting research under the school’s name. Institutional Grants differ from scholarships in the sense that a formal proposal is required in outlining the intended use of the actual grant money.
Federal Supplemental Education Opportunity Grant (FSEOG) – The FSEOG awards anywhere from $100 to $4,000 to undergraduate students based on exceptional financial need. These grants can be used as a supplement to financial aid already supplied by federal loans to help with schooling costs.

National SMART Grant – The National Science and Mathematics Success to Retain Talent (SMART) Grant is awarded to sudents who showcase exceptional skill in the fields of science and mathematics.   The grant awards $4,000 to qualified students who are at least in their third year of undergraduate studies.

Teacher Education Assitance for College and Higher Education (TEACH) Grant Program – The Teach Grant Program was designed to bolster the ranks of skilled and capable educators within the public or private elementary school system. The grant is awarded to skilled students who have a clear intention of entering into the fields of teaching and education, specifically in campuses that serve students coming from low-income families.

There’s also chatter about the Obama’s administration motivating moms to return to school and offering scholarship grants.  We will cover that in a future article.

Moms In School: Guide for Moms with Tight Budgets

Going to school isn’t cheap, and that’s why it’s important for moms to have a budget to stick to when deciding to return to school. For working moms, the company you work for will sponsor short courses to improve the skills of valued employees. However, in most cases, furthering your education is a personal financial decision that most moms have to make on their own.

There are systems in place to help alleviate some of the financial burden in going back to school. If you’re looking for financial assistance to help fund your education, here are some possible scholarships for moms you might want to explore.