Originally Posted by MoonMama78
Thank you everybody for the replies, you are all wonderful !! I guess I didn't realize that most of the mamas here are in the US and I failed to mention that I am in Canada. I am in the process of checking on which, if any, government programs I may be eligible for, I have already been told that I am not eligible for any low income housing assistance programs or repair programs as you need to be a homeowner for a minimum of five years to qualify. We do not have WIC, foodstamps or a lot of the other programs that were recommended, but we do have free healthcare, thank goodness! I am already at my maximum client intake each month and I cannot take on a part time job as the amount of money I would make would only cover my childcare. I have started knitting hats, diaper covers, longies etc.... to start to sell to try to bring in some extra money as it is something I can do without having to find childcare.
I will be ordering some organic seeds online to start a food garden once the weather permits. I'm just trusting that the Universe will provide, it always has.
Have you calculated your CCTBs? Start here if you haven't
. With that income you should get a significant amount which should make life much easier. You'll also qualify for the GST tax rebates. I plugged in some conservative numbers based on what you listed here.
Do you live in an area with co-op housing? We have plenty near us geared to income where you can pay as little as 30% of gross income - or $300 a month in your case for a townhouse. You would have to pay utilities I believe but if you are careful you should be able to keep your housing and utility costs under $500 total in that case. There is usually a waiting list so start investigating now.
Look into food pantries, food banks and programs like the Good Food Boxes
for food support. Public Health networks may have community kitchen programs where you can cook in bulk and split with others for a fee but it is often subsidized. Your school may have breakfast programs for kids, depending on where you live.
At that rate you should be eligible for free dental and drug programs for the kids. Kids Can Play, the Y, and many city run rec programs have significant fee subsidies.
I think it would be tight but doable if you can reduce your housing costs.
If you can't sell can you take in a boarder or convert the basement to an apartment? If you live anywhere near a university or college you could get more than 1/2 your mortgage covered that way.
You might check out free access to accountants to see if someone can help you walk through whether selling your house is your best option. Community services, public health, the local library might be good places to start.