In 2024, the average national cost for health insurance was $745 per month for an individual and $2,131 for a family, according to an employer health benefits survey by KFF, an independent source for health policy research, polling and journalism.¹ 

If your employer doesn’t offer affordable health insurance or you are currently job seeking, self-employed, or unable to work, affordable health coverage for your family can be daunting.

Low-income health insurance and the government shutdown

At the heart of the fight that has shut the federal government are health-insurance subsidies which are scheduled to expire at the end of 2025. Democrat lawmakers are fighting to extend the Affordable Care Act subsidies, while Republicans are set to end them.

ACA marketplace health plans now cover more than 24 million people.

Premiums for ACA plans are expected to increase steeply in most states, with many insurers hiking rates 20% or more, due largely to higher spending on patients’ care.

If the enhanced payments end, fewer enrollees will get help from subsidies, and the sums will shrink for those who still qualify for them. KFF, a health-research nonprofit, estimates that average annual out-of-pocket premium payments could more than double next year, to $1,904 from $888.

Where can I get affordable health insurance as a single mom?

We put together a list of health insurance options for single moms, with information about how to choose the plan that best suits your family’s needs:

1. Government health insurance exchanges

• Who qualifies for the Affordable Care Act?

2. Medicaid

• Who is eligible for Medicaid?
• What is the lowest income to qualify for Medicaid?
• What does Medicaid cover?
• Is there Medicaid for single mothers?
• Is there a pediatric Medicaid?

3. CHIP

• CHIP qualifications
• How much does CHIP care cost?
• What is Kidcare CHIP?
• What is included in CHIP?
• Is CHIP in every state?
• Where do I find CHIP health providers?

4. Family health insurance plans

• Can you stay on your parents’ health insurance plan?

5. Other ways of accessing health care without insurance

• Search “free walk-in clinics near me”
• Go to an emergency room if there is a medical emergency

Health insurance FAQs

1. Healthcare.gov or state health insurance exchanges

If you cannot afford health insurance, go to Healthcare.gov, sometimes referred to as the health insurance “marketplace” or “exchange.” Your state may also have its own health insurance exchange. 

Healthcare.gov was established as part of the Affordable Care Act, a federal statute enacted to provide health coverage to millions of uninsured Americans. 

Louise Norris, a licensed broker and analyst for healthinsurance.org, an independent health insurance guide, says the health insurance exchange is the best place to start. 

“Single parents who aren't eligible for employer-sponsored coverage will often find they and their kids are eligible for financial help with health coverage obtained through the exchange,” she says.

To get started, head to Healthcare.gov and enter your zip code. This will bring up policies you are eligible for. If your state has its own exchange, you will be directed to your state’s website. Open enrollment begins on Nov. 1 in most states each year (in Idaho, open enrollment starts Oct. 15), and you must enroll by Jan.15 in most states to get coverage for that year.

ACA Open Enrollment end dates:⁴  

• Idaho: Dec. 16
• Massachusetts: Jan. 23
• California, Washington, D.C., New Jersey, New York, and Rhode Island: Jan. 31
• All other states: Jan. 15

However, if you’ve experienced a major life event, you can qualify for a special enrollment period. These events include:

• losing your employer-sponsored health coverage 
• getting married 
• moving 
• having a baby
• adopting a child

Depending on your situation, you may have 60 days before or 60 days after the event to enroll. To see if you’re eligible for a special enrollment period, you can complete a brief questionnaire on Healthcare.gov.

You can purchase a plan for your family through the website, or if you need assistance, you can use the Find Local Help tool to connect with someone in person who specializes in the healthcare exchange. You can also contact the marketplace call center at 800-318-2596. This number is available 24 hours a day, 7 days a week except on holidays. Finally, a mail-in application is available.

Who qualifies for the Affordable Care Act?

To be eligible to enroll in health coverage through the Affordable Care Act, you must live in the United States, be a U.S. citizen or national, and not be incarcerated.

When the health insurance Marketplaces/exchanges were first introduced for 2014 coverage, premium subsidy (premium tax credit) eligibility was initially capped at household incomes of 400% of the federal poverty level (FPL), which is a measure of income issued every year by the Department of Health and Human Services. This meant that individuals with incomes above 400% of FPL were responsible for the full cost of their health insurance. However, this changed in 2021 with the American Rescue Plan, which temporarily eliminated the “subsidy cliff.” Originally set to expire at the end of 2022, this provision was extended through 2025 by the Inflation Reduction Act (IRA). As a result, the subsidy cliff has been removed for the time being, making premium subsidies available to more people. It’s worth noting that unless Congress takes further action, the subsidy cliff could return in 2026.

As of now, individuals who qualify for subsidies through the health insurance exchange must have a household income that makes the benchmark plan cost more than 8.5% of their income (or a lower percentage for those with lower incomes). Put another way, this means that your contribution to your employer health insurance cannot be more than 8.5% of your household income for the year. ⁵

As of 2024, the federal poverty level for a two-person household is $20,440. For each additional person in the household, the FPL increases by $5,380. FPL guidelines are different for Alaska ($25,540 and $6,730 for each person) and Hawaii ($23,500 and $6,190 for each additional person).⁶

You can see if you are eligible for premium tax credits that would lower your insurance costs by answering a few questions about your income on Healthcare.gov.

2. Medicaid

Medicaid is a government program that provides free or low-cost health coverage for low-income adults, children, pregnant women, older adults, and people with disabilities. Medicaid.gov reports that more than 80 million Americans are covered by Medicaid.⁷

Who is eligible for Medicaid?

Eligibility criteria for Medicaid varies state by state. Determining factors include household income, family size, age, and disability. You can take a quick screening on Healthcare.gov to see if you may qualify for Medicaid.

To qualify for full benefits, you must be a U.S. citizen, a U.S. national, or have satisfactory immigration status.

Under the ACA, many states expanded Medicaid coverage to cover all people with a household income below a certain threshold. In these states, you can qualify for Medicaid if your household income is below 133% of the FPL.

However, 10 states have elected not to expand Medicaid coverage. These states are:

• Alabama
• Florida
• Georgia
• Kansas
• Mississippi
• South Carolina
• Tennessee
• Texas
• Wisconsin
• Wyoming

In these states, eligibility criteria for Medicaid is stricter with much lower income limits. 

Individuals who don’t qualify for Medicaid based on income should still apply, especially those who are pregnant, have children, or have a disability, as you may be eligible for these reasons. 

There is no open enrollment period for Medicaid, and you can apply at any time of year. You can apply through the health insurance marketplace or through your state Medicaid agency. 

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What is the lowest income to qualify for Medicaid?

In states that have expanded Medicaid coverage, individuals qualify for Medicaid if their household income is below 138% of the FPL. 

These are the 2026 Federal Poverty Guidelines:

Number of people in family/household	Annual income
1	$15,960
2	$21,640
3	$27,320
4	$33,000
5	$38,680
6	$44,360
7	$50,040
8	$55,720

For families/households with more than 8 people, add $5,680 for each additional person.

“Medicaid eligibility can be calculated based on monthly income, so if income temporarily drops to these levels, Medicaid can be available at that point even if the total annual income would be above those levels,” Norris says.

What does Medicaid cover?

Federal law requires states to provide certain mandatory benefits under Medicaid. These include: 

• Inpatient and outpatient hospital services
• Doctor visits
• Laboratory and X-ray exams
• Home health services

It is up to the individual state to determine optional benefits, including prescription drugs, case management, physical therapy, and occupational therapy. 

Is there Medicaid for single mothers?

Yes, Medicaid is available for single mothers and children who qualify. Even if you are pregnant with your first child, you may be eligible. Medicaid coverage and options vary by state but the standard for determining eligibility is based on factors like:

• Income: Modified Adjusted Gross Income (MAGI) is the basis for determining financial eligibility (In general, families with children living at or below 133% of the FPL are covered, although some states allow for higher income levels)
• Government benefits: Those receiving Supplemental Security Income (SSI) are automatically eligible
• State residency: You must be a lawful resident of the state when you apply
• Citizenship: You must be a lawful citizen of the United States (includes lawful permanent residents and qualified non-citizens)
• Age: Those 65 and older may be automatically eligible, if they meet other requirements set by the state they live in
• Parenting status: You may be eligible if you are pregnant, a single parent, or a custodial co-parent 
• Health needs: If you are disabled, blind or have significant health needs, you may qualify 

To know specifics about your eligibility, learn how to apply for Medicaid or check with your state’s Medicaid agency.

Is there a pediatric Medicaid?

Yes, there is pediatric Medicaid in that Medicaid covers children, as does the Children’s Health Insurance Program (CHIP), although some states may call it by another name. If a pregnant mother qualifies for Medicaid, states can decide to cover the infant for up to one year after birth, even if the mother’s income or other eligibility factors change.

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3. CHIP for infants, children, teens and minors

What does CHIP stand for in healthcare? The Children’s Health Insurance Program, or CHIP, is another option for single moms to ensure health insurance for their children. CHIP provides health insurance for infants, kids, teens, and minors.  

CHIP is a federal and state government program that provides healthcare for children of families who do not qualify for Medicaid but are unable to afford a private plan.

As of January 2024, all states are now required to keep children continuously enrolled in Medicaid and CHIP for a full year with limited exceptions. This change aims to improve healthcare access and reduce coverage gaps for children.⁸

CHIP qualifications 

• CHIP age limit: Under 19 years old
• Uninsured: Anyone who is uninsured and ineligible for Medicaid, not covered by a group plan or credible health insurance (Medicaid eligibility is based on factors like income, state residency, citizenship status, and in some cases age and medical condition so being ineligible means you do not meet certain criteria for benefits)
• Residency requirements: U.S. citizen or meet immigration requirements, resident of the state in which they apply
• CHIP income limits: Meet household income eligibility requirements, which vary by state. Some states offer CHIP for pregnant women and parents.

According to the Centers for Medicare & Medicaid Services, eligibility levels for CHIP range from 170% to 400% of the FPL, and vary by state. To see if your children qualify for CHIP, visit the Medicaid & CHIP Eligibility Levels page.

Families and individuals can apply online through healthcare.gov’s health insurance marketplace or by calling 800-318-2596. Like Medicaid, there is no limited enrollment period, so you can sign up for CHIP at any time of the year.

In every state, it's common for kids to be eligible for Medicaid or CHIP, while the parent is eligible for a subsidized private plan instead, Norris notes.

“So an application submitted through the exchange may result in various family members having different coverage,” she says. “But it will ensure everyone has the financial assistance they're eligible to receive.”

How much does CHIP care cost?

Routine wellness or dental visits are free to CHIP recipients. Other services may require a copay and some states require a monthly premium. Those premiums are different for each state, but the program caps monthly premiums as follows:

• If your household income is at or below 150% of the FPL, your premium can’t exceed the amount established by Medicaid⁹ 
• If your household income exceeds 150% of the FPL, your premium can’t be more than 5% of your annual household income

To learn about copay pricing for your state, check with your state CHIP office.

What is Kidcare CHIP?

Each state has its own name for CHIP. Some states, like Hawaii and Nebraska, simply call it CHIP. In Florida, it’s called KidCare. In Arizona, it’s called KidsCare. Check with your state Medicaid/CHIP office to learn what it is called in your state.

What is included in CHIP?

Benefits under CHIP vary by state. However, all states provide essential health care services through CHIP, including: 

• Routine check ups
• Doctor visits
• Immunizations
• Prescription medications
• Inpatient and outpatient hospital care
• Dental and vision services
• Laboratory and X-ray services
• Emergency services

You can check online to see what services your state covers through CHIP.

Is CHIP in every state?

Yes, CHIP is available in every state. Those who meet eligibility requirements get access to state CHIP benefits.

Where do I find CHIP health providers?

To find CHIP health providers, you can:

• Call the number on your CHIP insurance card or eligibility letter
• Check your health plan’s website (Some states offer a provider directory online)
• Check with your state Medicaid/CHIP office
• Ask your preferred doctor or pharmacist if they accept CHIP

4. Family health insurance

For young adults who are single parents, staying on their family’s health insurance plan can be a viable option to ensure their coverage.

Under the ACA, children can stay on their parent’s health insurance plan until the age of 26. This includes children who are married and have kids of their own. 

However, keep in mind that the health insurance coverage does not extend to your children in most states (Pennsylvania, as an exception, covers a child for 31 days after birth on the mother’s plan).

If you decide to go this route and you are not already on your parents’ plan, you will need to be added during the open enrollment period. Your parents can check with their employer to see when this period is.

Can you stay on your parents’ health insurance plan?

As long as your parent’s health insurance plan covers dependents, you can usually join or remain on their plan until the age of 26. This is an option even if you are:

• Married
• Living separately from your parents
• Not financially dependent on your parents
• Attending school
• Eligible for health insurance through your employer
• Have a child (though your child will need separate health insurance)

Once you turn 26, this coverage will end. When that happens, you will qualify for a special enrollment period through the health exchange on healthcare.gov. 

5. How to find access to health care when you don’t have health insurance

If you are uninsured and do not qualify for Medicaid or CHIP, you can find free or low-cost healthcare at community health centers. 

These centers can be found in both urban and rural communities and provide general primary care, prenatal care, immunizations for babies, and referrals to specialized care. Typically, you will be charged for these services based on your income. 

The HHS Health Resources Services Administration (HRSA) provides a directory of community health centers that operate on a sliding fee. You can receive care here even if you cannot pay.

Search “free walk-in clinics near me”

Another option is to simply search on Google. You can enter a search for “free walk-in clinics near me” or “community health clinic near me” to see where you can get free or low-cost health care in your area.

Go to an emergency room if there is a medical emergency

If you or your child is experiencing a medical emergency, go to your local emergency room. Federal law stipulates that anyone coming into an emergency department must be stabilized and treated, whether or not they have health insurance.

This means your family will be treated at the emergency room whether or not you can pay.

Also, learn how to get health insurance for your pet.

Health insurance FAQs

What health insurance terms should you know?

Premium – This is the amount you pay to have a health insurance plan. It is paid by the individual and/or employer monthly, quarterly, or yearly.

Copay – This is a fixed amount that you pay out of pocket for covered health care services. This amount can vary depending on the type of service and type of doctor you see.

Coinsurance – This is the amount of a covered health care service that you are responsible for paying after you’ve paid your deductible. 

Deductible – This is the amount you owe for health care services covered by your plan before health insurance coverage begins. For example, if your deductible is $1,000, your health insurance coverage won’t kick in until you’ve paid $1,000 out of pocket for covered health services where the deductible applies. Note that certain services may not be subject to the deductible.  

Out-of-pocket maximum – This is a set amount that will be the most you will pay during a policy period (typically a year) before your plan pays for 100% of services. 

Prescription benefits – If your health plan has prescription benefits, this means you will get assistance in paying for prescription medications.

What is the free healthcare in the U.S. for low income?

Medicaid is a government program that provides free or low-cost health coverage for low-income adults, children, pregnant women, older adults, and people with disabilities.

CHIP is a federal and state government program that provides healthcare for families that do not qualify for Medicaid but are unable to afford a private plan. 

What is the lowest income to qualify for Obamacare?

Obamacare is another word for the Affordable Care Act, so it includes private health insurance plans, which are often subsidized, as well as expanded Medicaid for low-income adults.

In most states (the 38 states where Medicaid has been expanded), adults are eligible for Medicaid with a household income of up to 138% of the poverty level. In 2024, that's $28,207 for a household of two, $35,632 for a household of three, and $43,056 for a household of four.

“If an exchange applicant is not eligible for Medicaid or CHIP, the eligibility determination system will then look to see whether they're eligible for premium tax credits to offset the cost of a private plan,” Norris explains.

How much is health insurance for a single mom?

This is difficult to answer because the factors vary widely. However, it’s helpful to know that, according to the 2024 KFF Employer Health Benefits Survey, the average monthly premiums for employer-sponsored health insurance in 2024 are:

• For single coverage: $746 per month ($8,951 annually)
• For family coverage: $2,131 per month ($25,572 annually)

On average, workers contribute $525 per month ($6,296 annually) towards family coverage, while employers pay the remaining $1,606 per month ($19,276 annually).¹⁰

For a single mom seeking family coverage through the ACA marketplace (if employer-sponsored insurance is not available), the costs can vary significantly based on several factors:

1. Household income: This affects eligibility for premium tax credits and cost-sharing reductions.
2. Age: Premiums increase with age.
3. Location: Health insurance costs vary by state and even within regions of a state.
4. Plan type: Bronze plans have lower premiums but higher out-of-pocket costs, while platinum plans have higher premiums but lower out-of-pocket costs.
5. Number and age of children: This affects the total family premium.

The national average health insurance premium for a benchmark plan (the average premium for each state’s second lowest cost silver plan) in 2024 is $477, according to the Kaiser Family Foundation.¹¹

What is the best health insurance for single moms?

“An ACA-compliant major medical health plan is by far the best option for people who aren't eligible for Medicaid, Medicare, or CHIP,” Norris says.

However, the best health insurance for a single mom will depend on her needs and budget. “The plan that works best for one mom won't be the best for another,” Norris says.

In general, plans with low premiums tend to have higher deductibles, and plans with higher premiums, lower deductibles. If you or a family member has a chronic medical condition that requires regular medical care, you may want to prioritize finding a plan with a lower deductible to save money in the long run.  

What is an alternative to buying traditional health insurance?

“An ACA-compliant major medical health plan is by far the best option for people who aren't eligible for Medicaid, Medicare, or CHIP,” Norris says. “And premium tax credits are only available for major medical plans purchased through the exchange.”

If a person misses open enrollment, doesn't qualify for a special enrollment period and needs health insurance temporarily until the end of the year, Norris recommends short-term health insurance if you do not have pre-existing conditions.

Some people benefit from health care sharing ministry plans, often combined with direct primary care or a fixed indemnity plan.

However, these options typically require you to pay full-price for medical care up-front, and file a lot of paperwork for reimbursement, neither of which are a fit for every family.

Here are some more resources for low-income families and individuals:

Help for single moms: 16+ resources	$500 monthly single mom grant
Free laptops	Scholarships for single moms
Free car	Free Christmas gifts
Free smartphone	Best jobs moms can do from home
Free wifi	Free and low-cost prescriptions
Free formula	Free clothes
Free toys	Government assistance for single moms
Free gas	Free daycare
Free preschool	Free prescription glasses
10+ charities that help single mothers	Tutoring and homework help
Free diapers	Dumpster diving
Low-income home loans	Free school supplies
Home buyer grants	Free housing
Free or cheap dental care	Free Christmas money
Cheap eats near me	Free money for bills
Free hearing aids	Free hearing test
Smartwatch from insurance

SOURCES

1. “2024 Employer Health Benefits Survey,” Oct. 9, 2024. KFF.
    https://https://www.kff.org/health-costs/report/2024-employer-health-benefits-survey/
2. “What Trump’s 2024 Victory Means for the Affordable Care Act,” by Cynthia Cox for KFF. Nov. 2, 2024.
   https://www.kff.org/quick-take/what-trumps-2024-victory-means-for-the-affordable-care-act/
3. “How health care could change under the new Trump administration,” by Stephanie Armour for NPR. Nov. 6, 2024.
   https://www.npr.org/sections/shots-health-news/2024/11/06/nx-s1-5181861/2024-election-trump-kennedy-health-care
4. “Renewing Market Place Coverage FAQs.” Accessed Nov. 14, 2024. KFF.
   https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/?view=2&topic=579145119
5. “Obamacare’s ‘subsidy cliff’ eliminated through 2025,” by Louise Norris for HealthInsurance.org. Aug. 23, 2024.
   https://www.healthinsurance.org/obamacare/beware-obamacares-subsidy-cliff/
6. “HHS Poverty Guidelines for 2024.” Jan. 17, 2024. ASPE.
   https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
7. “October 2023 Medicaid & CHIP Enrollment Data Highlights” Jan. 31, 2024. Medicaid.gov.
   https://www.medicaid.gov/medicaid/program-information/medicaid-and-chip-enrollment-data/report-highlights/index.html
8. “A Look at Medicaid and CHIP Eligibility, Enrollment, and Renewal Policies During the Unwinding of Continuous Enrollment and Beyond,” by Tricia Brooks, Jennifer Tolbert, Allexa Gardner, Bradley Corallo, Sophia Moreno, and Anna Mudumala for KFF. June 20, 2024.
   https://www.kff.org/medicaid/report/a-look-at-medicaid-and-chip-eligibility-enrollment-and-renewal-policies-during-the-unwinding-of-continuous-enrollment-and-beyond/ 
9. “Cost Sharing,” Medicaid.gov. Accessed Feb. 5, 2024. https://www.medicaid.gov/medicaid/cost-sharing/index.html
10. “Annual Family Premiums for Employer Coverage Rise 7% to Average $25,572 in 2024, Benchmark Survey Finds, After Also Rising 7% Last Year,” KFF news release. Oct. 9, 2024.
    https://www.kff.org/health-costs/press-release/annual-family-premiums-for-employer-coverage-rise-7-to-average-25572-in-2024-benchmark-survey-finds-after-also-rising-7-last-year/
11. Average Marketplace Premiums by Metal Tier, 2018-2025,”  KFF. Accessed Nov. 14. 2024 
    https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier

If you need money for Christmas — whether you want to buy presents or need to put a meal on your table — there are a lot of ways you can get money for Christmas.

Head’s up: it's best to start applying for Christmas financial assistance as early as possible. Early October is not too soon! Many programs have limited resources and operate on a first-come, first-served basis. Below, find our giant list of resources:

1. Best way to get free Christmas money: Seek assistance from churches and charities

2. Apply for community Christmas charity assistance programs

• Christmas toys and gifts
• Assistance League
• Boys & Girls Clubs of America
• Lions Club
• United Way
• YMCA and YWCA

3. Look for holiday help from Christmas cops

4. Search for grants “for Christmas” and financial aid

5. Check with financial institutions for “bonuses”

6. Search online for additional resources for Christmas help

7. Best way to earn money for Christmas: Sell something

8. Earn money through Care.com gigs

9. Win a little money for Christmas through survey and rewards sites

• Survey apps
• Game and casino apps

10. Save money and get cash back cash on money you’re already spending with online shopping apps

11. Get a holiday job or side gig

12. Sell plasma

More resources for low-income Americans

1. Best way to get free Christmas money: Seek assistance from churches and charities

Churches often set aside a benevolence fund for people who need assistance with utility bills, rent, and other expenses. While you may not be able to get money for Christmas presents directly, you can ask for help with your other monthly expenses to reduce your financial burden or ask to be included in programs that provide free Christmas gifts. 

If you are not currently part of a congregation, you can search for “churches near me” and call around to see if any local churches can help you out. You may have to volunteer time at the church or attend classes on money management to qualify for assistance.

Catholic Charities

Catholic Charities has a variety of programs to help families who need money for Christmas, such as a “Christmas food basket” program, where people donate produce, turkeys, and canned goods for families to have a Christmas dinner. Catholic Charities also offers an “adopt-a-family” program where families who need Christmas assistance are matched with donors who provide them free toys, clothes, and other items.

There are also numerous church-based organizations that provide financial assistance to low-income individuals: 

• Love INC
• United Methodist Church
• The Episcopal Church
• The Jewish Federation of North America
• Lutheran Social Services

2. Apply for community Christmas charity assistance programs

While most charities don’t give out Christmas money directly, there are lots of organizations that provide free Christmas gifts, as well as money for things like utility bills, rent, and food during the holidays and year-round: 

Christmas toys and gifts

These are some places you can get free Christmas gifts and toys: 

• Be an Elf 
• Dream Toy Program 
• Family Giving Tree
• Toys for Tots
• Operation Homefront
• Prison Fellowship Angel Tree
• Salvation Army
• Santa’s Little Helpers
• Operation Santa 
• Make-A-Wish Foundation

You may also be able to find local charities that offer free Christmas money or gifts by searching “Christmas charities near me:” 

Check out this post for details on how to apply to these and other Christmas gift programs: 

11 places for free Christmas gifts for low-income families

You can also get free toys and gift cards year-round.

Assistance League

Depending on where you live, the Assistance League offers various holiday programs, including one where members “adopt” a family for the holidays, giving them gifts, food baskets, and decorations. Some chapters also host a “Santa’s Closet” that offers help in the form of gift cards from supermarkets and local retailers.

Boys & Girls Clubs of America

Boys & Girls Clubs of America are known for their after-school programs, but some chapters also host holiday programs like toy drives and meals for people struggling with Christmas money.

Lions Club

Lions Club chapters all over the world host Christmas assistance events for families during the holidays. They collect items like Christmas trees and toys, and host holiday parties where anyone can stop by for a free meal. Lions Club chapters also work with local businesses to collect and distribute toys to local families in need.

United Way

The United Way connects people with assistance programs and helps raise money for local communities during the holidays. If you dial 2-1-1 from your phone, you can ask about local organizations and nonprofits that provide Christmas assistance and other resources for low-income families in your area. 

How single moms can pay off debt (even on a low income)

YMCA and YWCA

Local YMCA and YWCA chapters partner with organizations like Toys for Tots and Salvation Army to provide Christmas assistance to low-income families.

3. Look for holiday help from Christmas cops

Police departments and police organizations often partner with local organizations to help families in need during the holidays, providing free Christmas gifts, meals, cash and more.

Reach out to your local police station (non-emergency number) to find out how to apply for local programs that offer free Christmas money and holiday help. 

Search “police station near me:” 

4. Search for grants “for Christmas”

Our research didn’t uncover grants specifically targeting Christmas, but we do maintain a vast list of grants to help single moms, single parents and low-income families find grants to cover living expenses and financial hardships. The grants won’t put cash in your pocket for Christmas shopping, but they may be able to cover living expenses, which can make it a little easier to enjoy Christmas for your family.

Here is a list of grants and resources for financial help for single moms.

You can search for grants on a site called Grantspace.org, which has a comprehensive list of grants for individuals, artists, small businesses and nonprofits. Some grants require you to show proof of income, while others just require you to disclose your need.

Each month, our team here at Wealthysinglemommy.com gives away $500 to one single mom in need, no strings attached. 

You can apply here: 

5. Check with financial institutions for “bonuses”

Some banks, credit unions and credit card companies offer up to $300 bonuses just for opening an account. You may be required to set up direct deposit, make an initial purchase, or start with a minimum account balance. Some credit card companies also offer incentives when you transfer balances. 

Another option that banks and credit unions offer is something called loan payment deferment. If you have a car loan or a mortgage, some banks will allow you to skip one payment if you are experiencing hardship. Note that the interest will likely still accrue, but you may be able to skip a principal payment. To do this, call your bank and ask about loan deferment or forbearance. It costs nothing to ask!

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6. Search online for additional resources for Christmas help

Websites like 211.org provide information on various assistance programs, including those specific to holiday needs. Additionally, social media platforms and local community forums can be good sources for finding holiday help opportunities. Some tips to get started:

• Find and follow your town’s official social media accounts, as well as your local library’s Instagram and/or Facebook page. 
• Search for Facebook groups that serve your community by searching for your town in the search field and seeing what group names pop up.
• Search “soup kitchens near me” and “charities for families + your town, state” or “Christmas help for families + your town, state”

7. Best way to earn money for Christmas: Sell something

Chances are you have a lot of stuff you can sell to make money for Christmas. Here are some ideas: 

• Old jewelry, including gold jewelry, silver jewelry, and diamond jewelry (like an old engagement ring)
• Other fine metal items like silver flatware, gold coins, silver coins, gold scrap, and gold bullion
• Old clothing, including your wedding dress (you can sell to a thrift store, on consignment, on a site like Craigslist, or to an online consignor like Poshmark, Thredup, or Mercari) 
• Cars you don’t use (check out our post on how to get cash for junk cars)
• Electronics – via recycling centers as well as pawn shops
• Furniture
• Toys
• Vehicle / car
• Appliances
• Books
• Bikes
• Sports equipment

If you don't have many secondhand items to sell, consider selling some low-cost, popular small items. For example, customized bottle opener keychains are very practical during the holiday season, especially as gift exchanges or holiday party favors. 

They are affordable, portable, and can be sold at community markets, school events, church sales, or local Facebook groups. GSJJ boutique keychains support quick customization; you can design styles with holiday elements or personalized patterns to increase added value, attract buyers more easily, and add a flexible source of income to your Christmas budget.

For more ideas, check out our list of 33 things to sell to make money from the stuff around your house. 

If you’re looking to sell jewelry and other fine metal items, our No. 1 choice is online gold buyer CashforGoldUSA.com. Here’s why: 

• A+ rating from the Better Business Bureau 
• 10% bonus if you ship within 7 days
• Payouts within 24 hours
• Price match/free return guarantee
• Insured up to $150,000 by Lloyds of London while held (plus up to $5,000 through Jewelers Mutual Insurance while in transit)

Read our CashforGoldUSA review and get a free quote now from CashforGoldUSA >>

Coin machines and more: 9 ways to cash in coins

8. Earn money through Care.com gigs

During the holidays, parents often need childcare to take care of shopping and gift wrapping. Consider creating a profile on Care.com, a marketplace for babysitting gigs, home health care, pet sitting, cleaning services, and more. 

Check out our Care.com review.

9. Win a little money for Christmas through survey and rewards sites

There are a lot of websites and apps that allow you to earn Christmas cash or gift cards for taking surveys, shopping online, and completing other tasks. Most of these sites and apps do payouts through Paypal, so make sure you have an account before joining. Some also offer cash just for signing up. 

You can also download cash-back apps to scan receipts for money.

Survey apps:

If you’re willing to share your opinion, you can earn money on these apps: 

• Branded Surveys
• Kashkick (also pays you for watching videos and surfing online)
• Survey Junkie
• Opinion Outpost
• InboxDollars (also pays you for online shopping and watching videos)
• PaidViewPoint
• PrizeRebel
• Survey Club

Game and casino apps:

• Swagbucks LIVE
• Skillz Games
• Mistplay
• Sweatcoin (earn money for meeting daily steps benchmarks)

To learn more about these cash apps and other ways to make money, check out these posts: 

• 19 easy and legit ways to get free gift cards
• 13 ways to get free money instantly

10. Save money and get cash back cash on money you’re already spending with online shopping apps: 

Using cashback sites like Rakuten, Ibotta, or Honey when shopping can help you earn money back on purchases. Use these tips for maxing these out in time to get some cash back for Christmas 2024:

• Welcome bonuses: New users can take advantage of sign-up bonuses. For example, Rakuten is currently offering a $30 welcome bonus for new users who make a qualifying purchase.
• Early start: Starting to use these apps now gives you several months to accumulate cashback before Christmas, maximizing their potential earnings.
• Regular payouts: Rakuten pays out quarterly, while Ibotta allows withdrawals once you reach $20. Starting now should ensure you can receive payouts before the holiday season.
• Special promotions: Both Rakuten and Ibotta often offer increased cashback rates and special promotions during the holiday season, so be on the lookout for those!

11. Get a holiday job or side gig

A lot of retailers hire extra staff specifically for the holiday season. If you have time to pick up a part-time job, you can earn Christmas money and get an employee discount at the store you work for (I used to save 45% on select days when I worked at Kohls as a seasonal employee). 

You can also look into starting a side gig or finding a new, higher-paying job, including jobs that do not require a background check.

Also, check out our advice on: 

• Getting a raise
• Saving money
• Budgeting and free budget worksheets
• Investing
• Recession-proof jobs

12. Sell plasma

According to DonatingPlasma.org, you can get paid for donating plasma — which makes up 55% of your total blood volume and helps with things like infection prevention and injury recovery — if you: 

• Are at least 18 years old
• Weigh at least 110 pounds or 50 kilograms
• Pass a medical examination
• Complete a medical history screening
• Test non-reactive for viruses like hepatitis and HIV
• Follow a recommended diet that includes 50 to 80 grams of protein per day

While payouts vary, most places will pay you $30-60 per session. The FDA mandates that you cannot donate plasma more than once in a two-day period or more than twice in a seven-day period.¹ 

If you want to donate plasma, search for “places to sell plasma near me.”

More resources for low-income Americans

Help for single moms: 16+ resources	$500 monthly single mom grant
Free laptops	Scholarships for single moms
Free car	Free Christmas gifts
Free smartphone	Best jobs moms can do from home
Free wifi	Free and low-cost prescriptions
Free clothes	Free diapers
Free toys	Government assistance for single moms
Free daycare	Free preschool
Free gas	Affordable dentures
Free prescription glasses	Free money
10+ charities that help single mothers	Tutoring and homework help
Free or low-cost after school programs	Health insurance
Lower car payment	Free food
Dumpster diving	Low-income home loans
Free school supplies	Home buyer grants
Free housing	Free or cheap dental care
Free gift cards	Cheap eats near me
Free money for bills	Free ipad
Free car seat	Free furniture

Sources:

1. “Guide to Inspections of Source Plasma Establishments – Section 2” June 1997 (April 2001 – Editorial Revisions) U.S. Food & Drug Administration https://www.fda.gov/inspections-compliance-enforcement-and-criminal-investigations/inspection-guides/section-2

Need help buying Christmas gifts this year? You may be eligible to participate in one of these organizations below that help financially struggling families get free Christmas toys for their kids.

“The holidays can be a particularly challenging time, especially for those who are raising children alone,” says Dr. Lilit Ayrapetyan, Psy.D., a psychotherapist in Pasadena, Calif. “The pressures of family expectations, financial strains, and the emotional weight of the season can feel overwhelming. But know that you are not alone. There are many resources available to help you navigate this time with grace and resilience.”

Here's our big list of where to find free stuff at Christmas, along with tips on how to apply to receive benefits.

Free toys from Be an Elf
Christmas Cops helping families at Christmas
Dream Foundation's Christmas assistance toy program
Firefighters giving away toys at Christmas
Marine Corps’ Toys for Tots
Operation Homefront’s Holiday Toy Drive
Prison Fellowship Angel Tree
Salvation Army’s Angel Tree
Task Force Kringle
USPS Operation Santa®
Make-A-Wish Foundation
Christmas help this year
Finding local holiday gift programs

• Adopt-A-Family Programs
• American Red Cross
• Assistance League
• Boys & Girls Clubs of America
• Cars4Christmas
• Catholic Charities
• Lions Club
• One Simple Wish
• Schools
• Society of St. Vincent de Paul
• United Way
• YMCA and YWCA

Christmas toy freebies

• Children’s hospital toy drives
• Amazon wish list
• Free toys from recycling apps and sites
• Eventbrite search for Christmas toy giveaways
• Contact your local church, community center, or nonprofit
• YouTube channel Christmas toy giveaways
• Reddit's Santa's Little Helpers
• Government assistance

Christmas money

Need more help for Christmas? Check out these helpful resources

We also compiled this guide on where to get free toys year-round.

Free toys from Be an Elf

Be an Elf partners with USPS Operation Santa to help needy kids get toys for Christmas. Volunteers can adopt a letter written to Santa online and buy gifts for that family. 

What are the qualifications for free toys from Be an Elf?

While anyone can write a letter to Santa, Be an Elf only posts letters from the USPS of families who are financially struggling.

What is the deadline to sign up for free toys from Be an Elf?

Be an Elf recommends mailing your letter around late October for a better chance to be adopted, but all letters must be received by December 10.

How do I apply for toys from Be an Elf?

To qualify for Be an Elf, your family must write a letter and mail it to Santa through the USPS Operation Santa.

If you are struggling to provide gifts for your children, have them write to:

Santa Claus
123 Elf Road
North Pole 88888

If your family is not having a financial issue but your child wants to write a letter to Santa, please mail it to:

Santa Claus
North Pole

While they can’t guarantee that you’ll get assistance, Be an Elf has some tips to help you get noticed: 

• Mail your family’s letters in one envelope (so volunteers know you’re one unit).
• Be honest as to why you need financial assistance this year.
• Have your kids each write a letter thanking the volunteer and listing what he or she would like for Christmas. 

Be an Elf advises to ask for simple things like clothes and toys, and you can also ask for gift cards that will allow you to purchase gifts yourself.

Christmas Cops helping families at Christmas

Each year, local police departments and police organizations partner with local charities, causes, businesses, and citizens to help families in need during the Christmas season. 

For example, the Rancho Cordova Police Department’s Youth Services Unit usually supplies children of 350 families in need with Christmas gifts in early December. 

Registration typically begins in October at the Kilgore Station at 2897 Kilgore Road in Rancho Cordova, CA. Registered parents will pick up new toys and gift wrap to help their children celebrate the season.

To apply, you need:

• Valid identification such as a driver’s license or passport
• Proof of address such as a rental agreement
• Proof that your child attends school Folsom Cordova Unified School District, Elk Grove Unified School District, or Sacramento City Unified School District school in Rancho Cordova city limits

For questions about Christmas in Cordova, you can call 916-875-9627. 

These kinds of programs are all over the nation:

• Since 1984 in Texas, the Plano Police Association Christmas Cops program is a nonprofit staffed by local police, volunteers, and the surrounding community. They do a drive each year to collect toys, coats, non-perishable food, and other helpful items.
• In Florida, the Port Orange Police Department launched Cops for Christmas in 2020. The Seminole County Sheriff’s Office in Sanford, FL operates a Christmas Village to bring toys and holiday cheer to children in need.

If you are looking for help with free Christmas presents, contact your local police department to ask about what events they are planning for the upcoming holiday season.

Dream Foundation's Christmas assistance toy program

The Dream Foundation’s Dream Toy Program provides thousands of free toys each year to children under the age of 18 who live with and are expecting the loss of a loved one. These are children of parents or guardians who are terminally ill or under hospice or end-of-life care.

Toy makers Hasbro and Ty, Inc. have partnered with Dream Foundation to deliver new toys for hundreds of children. Volunteers pack boxes for each child with toys and games they are likely to enjoy. 

What are the qualifications for Christmas giveaways from Dream Foundation?

To receive gifts from the Dream Foundation, dependent children must be living in the household of a Dream Program or Dreams for Veterans recipient. 

Dream Foundation recipients:

• Have applied and were accepted for a Dream program
• Live in the United States (includes Alaska, Hawaii, and Puerto Rico)
• Have a terminal diagnosis with a life expectancy of 12 months or less
• Do not have the resources to fulfill their Dream request

What is the deadline to sign up for free gifts from Dream Foundation?

There is no deadline to sign up. The Dream application is available year-round. Once a Dream recipient is accepted, the children are eligible for free toys.

Firefighters giving away toys at Christmas

Every year, local firehouses and firefighter unions hold toy drives to help low-income families provide Christmas gifts for their children.

For example, the San Francisco Firefighters Toy Program has been providing toys for kids at Christmas since 1949. Run by the SF Fire Fighters Union Local 798, this program gives away toys for Christmas between December 1-25.

If you live in the San Francisco area, you can apply for the SF Firefighter Toy Program online.

Here are other examples of firefighter Christmas toy programs:

• FireFighters 4 Kids: An Ohio-based charity that collects toy donations to give to children from 0 to 12 years old during the holiday season
• Operation Stocking Stuffer: The Houston Fire Department provides gifts for more than 20,000 children and kicks off its program in early November 
• Toy & Joy Makers: The Toy & Joy Makers nonprofit works with Portland, Ore. firehouses to make sure children within Portland city limits get toys for the holidays

There are programs all over the nation. Contact your local fire station or firefighters union to ask about free toys for Christmas.

Marine Corps’ Toys for Tots 

Toys for Tots is a national 501(c)(3) not-for-profit public charity that works with local agencies to deliver unwrapped Christmas toys for kids. 

What are the qualifications for free gifts from Toys for Tots?

There are no criteria to apply, but the charity works with local organizations that help them locate families with kids ages 12 and under that really need help. However, in some areas, because of overwhelming support, they can serve children over 12 years old.

What is the deadline to sign up for free gifts from Toys for Tots?

Each state has its own Toys for Tots campaign deadlines. To get exact details about deadlines and how to apply for toys, use the Toys for Tots campaign search.

How can I apply for help from Toys for Tots?

Those wanting help from Toys for Tots should go on their website and click “donate or request a toy” and use the search feature to find the local campaign that serves their area. Then, you’ll have to fill out an application online by the deadline set by your local campaign. Some campaigns start as early as October.

You’ll have to provide the names and ages of kids in your family, proof of residency, and a short blurb explaining why you need help with toys this year. A coordinator will then call you to verify your information.

Operation Homefront’s Holiday Toy Drive

Operation Homefront offers various financial assistance to military families. During the holidays, the non-for-profit partners with Dollar Tree to give toys to kids from military families in need.

What are the qualifications for free toys from Operation Homefront?

To qualify for Operation Homefront, you must prove that you or someone in the family is in the military.

How to apply for toys from Operation Homefront?

You must create an account through the My Operation Homefront Portal. Then, you can register for the Holiday Toy Drive if you are eligible for the event. You can also visit the Operation Homefront Facebook Page to learn about local events in your area and registration deadlines. 

Prison Fellowship Angel Tree

Prison Fellowship Angel Tree is a Christian-based organization that partners with churches to give gifts to kids of incarcerated parents. 

What are the qualifications for free toys from Angel Tree?

This program is only available for kids who come from incarcerated families.

What is the deadline to sign up for free toys from Angel Tree?

Parents can register their kids in early October.

How can I apply for help from Angel Tree?

Parents in prison can sign up their kids. Then, the organization will reach out to confirm kids' permission and discuss gifts.

Salvation Army’s Angel Tree

Salvation Army and Walmart partner with Rescue Christmas to reach out to families in need to help them for Christmas.

What are the qualifications for free gifts from Angel Tree?

Families with low to moderate-income or living in poverty can apply. However, there’s one catch: you can’t be enrolled in any other program. 

What is the deadline to sign up for free gifts from Angel Tree? 

The window to sign up for free gifts is between September and November. However, it’s recommended that the earlier you sign up, the better chances you have to get free toys.

How can I apply for help from Angel Tree?

Register your child online or through a local Salvation Army Corps Community Center, where you’ll provide information about your child’s wishes. Then organizers will take those “wishes” and create paper angels that will be displayed in high-traffic areas. People will purchase items and drop them off at the Salvation Army who will arrange to pick up and distribute items.

Task Force Kringle

The organization 22 Until None assists veterans and their families through various programs and outreach efforts. One program, Task Force Kringle, started in 2018 and helps veterans provide toys for their families at Christmas time.

What are the qualifications for free toys from Task Force Kringle?

Task Force Kringle provides a $1,000 Amazon gift card to help eligible families buy gifts.

To be eligible, you must be be to provide the following documentation:

• DD214 form 4 or form 2 showing an honorable discharge
• VA disability rating of at least 30%
• Children under 18 living with you that are also listed as dependents through the VA (children must be biological, from marriage, or legally adopted)
• Proof of financial hardship, such as loss of employment or current SNAP benefits

What is the deadline to sign up for free toys from Task Force Kringle?

The application window open every year on October 1. You must apply with all requested paperwork by October 31. All recipients are notified by November 1. This program offers one-time help. If you are selected, you will not be eligible for future help.

How can I apply for help from Task Force Kringle?

As a veteran, you must complete the application yourself and include your contact information to verify identity. In addition, you must include all requested criteria to be considered.

Apply online at 22UntilNone

USPS Operation Santa®

For over 100 years, Operation Santa allows kids from all over the United States to write letters for Santa sharing their Christmas wishes. They have a partnership with Be an Elf, a network of volunteers who help fulfill the wishes of children all over the nation.

What are the qualifications for free toys from Operation Santa?

According to Operation Santa, anyone living in the United States can write a letter regardless of age, income, or religion.

What is the deadline to sign up for free toys from Operation Santa?

You can write to Santa up until late November, but if you’re looking for assistance, it’s recommended you send your letter earlier. All letters must be received by December 10.

How to sell your gold, diamond or silver jewelry for cash, safely

How can I apply for help from Operation Santa?

Families who need assistance should write a letter addressed to Santa Claus (his address is 123 Elf Road, Northpole 88888) along with their kids’ Christmas wishes. Operation Santa will post their letters online and other organizations may share letters sent in as well. Volunteers can also adopt families on the USPS website, and send gifts through there.

If your family does not need financial help, but your child still wants to write a letter, please mail it to:

Santa Claus
North Pole

Make-A-Wish Foundation

The Make-A-Wish Foundation is a non-profit organization that helps grant the wishes of ill children across the United States.

What are the qualifications for free toys from Make-A-Wish?

Make-A-Wish specifically helps kids between the ages of 2 1/2 and 17 who have a life-threatening illness. While they don’t have a specific holiday program for kids, they may request Christmas gifts as their wish.

What is the deadline to sign up for free toys from Make-A-Wish Foundation? 

Make-A-Wish grants wishes to kids year around, so there’s no deadline for applying. 

How can I apply for help from Make-A-Wish Foundation? 

Friends and family can refer a child online, and then they’ll be contacted by a member of the Make-A-Wish team.

Christmas help this year

Many holiday-helping nonprofits have local chapters that provide assistance with Christmas gifts and holiday meals. To find them, visit the national organizations' websites that we've listed below and then “find a location near me,” or you might try searching for “help for Christmas near me” to find local resources. 

It’s worth a little research, because once you start to reach out, you just might uncover additional resources and support. “Churches or nonprofit organizations often have programs that single moms can tap into, providing everything from children's gifts to holiday meals,” says Kristie Tse, psychotherapist and founder of Uncover Mental Health Counseling in New York City. “Libraries frequently hold festive storytelling events that are both free and enriching for children. As a psychotherapist, I've seen how local support groups not only offer a space to share experiences, but they also often bring along resources or recommendations for accessing holiday help.”

Finding local holiday gift programs

To locate free gifts for children or holiday toy drives in your area, try these steps:

Search online: Conduct internet searches using your location (town, city, county, and state) along with phrases like “holiday toy drives” or “free gifts for kids” or “adopt-a-family.” This method is often the most effective for finding local programs.

Check with local authorities: Reach out to your city hall for information. Many police and fire departments run seasonal gift programs for children in need (more on that below!).

Explore community organizations: Look into programs offered by:

• Local churches
• Scout troops
• Retail stores
• Veterans groups
• Rotary clubs
• Your town's community center

Consider diverse holiday celebrations: Remember that some gift drives are associated with holidays other than Christmas, such as Kwanzaa and Hanukkah.Below, find a list of specific terms to search to organizations to reach out to:

Adopt-a-Family Programs

Adopt-A-Family programs, run by various charities and non-profit organizations during the Christmas season, aim to support families facing hardships due to unemployment, homelessness, or medical challenges. These initiatives provide an opportunity for more fortunate families to “adopt” those in need, typically focusing on low-income households referred by local community agencies.

The programs generally offer comprehensive holiday assistance, including gifts for children and sometimes a complete holiday dinner. To find Adopt-A-Family programs in your area, start with googling, and then with phone calls to local churches, your town’s community center, and community organizations like the ones listed here! 

American Red Cross

Local American Red Cross chapters often work with businesses and other organizations to run annual toy drives for Christmas. 

Assistance League

The Assistance League offers various holiday help during the season, but it may depend on where you live. The organization has programs where members can adopt a family for the holidays, giving them gifts and food baskets, and decorations for their holiday celebration. Some chapters also host a “Santa’s Closet,” that offers help in the form of gift cards from supermarkets and local retailers.

Boys & Girls Clubs of America

The Boys & Girls Clubs of America provides after-school programs to kids around the county. Depending on your chapter, they may host holiday programs, like holiday toy drives and meals, to help financially struggling during the holidays.

Cars4Christmas

 Cars4Christmas is a seasonal promotion of Car4Heroes.org and gives away free Christmas charity cars during the Holiday season.The organization focuses on assisting low-income individuals, veterans, and others who struggle to obtain reliable transportation on their own, particularly those living in rural and suburban areas with limited public transit options.

With a history spanning two decades, Cars4Christmas has been expanding its reach nationally. The organization operates on a simple yet effective model: In the months leading up to the Christmas holidays, they engage in various fundraising activities, accept donations, and acquire vehicles. These cars are then distributed to carefully selected recipients who demonstrate a genuine need for transportation assistance.

The process of obtaining help from Cars4Christmas involves submitting an application through their website. Interested individuals are required to provide specific information to be considered for the program. This application process allows the organization to assess each applicant's situation and determine those most in need of assistance.

Find free cars for single moms and low-income families

Catholic Charities

Catholic Charities have a range of programs to help families, such as a “Christmas food basket” program, where people donate produce, turkeys, and canned goods to give families a Christmas dinner. They also run this program for Thanksgiving and Easter. Another Catholic Charities program is an adopt-a-family program where needy families are matched with donors who provide them free toys, clothes, and other items in the spirit of holiday help.

Lions Club

The Lions Club chapters worldwide host various events to help families during the holidays. They’ll collect items such as Christmas trees and toys, and host holiday parties where anyone can stop by for a meal. The Lions Club also works with local businesses to collect toys to distribute to local families to provide holiday help.

One Simple Wish

One Simple Wish is an organization dedicated to supporting children affected by foster care, abuse, and neglect. They provide assistance not only during the holiday season but throughout the year. Through their website, individuals can grant Christmas gift wishes and other requests for children in need. Wishes range from $35 to $500, covering various categories such as “Just for Fun,” “Essentials,” “Experiences,” and “Education & Employment.” The organization boasts a 99.9% success rate in granting accepted wishes.

There is no limit to the number of wishes that can be submitted for a given child, allowing foster parents to address various needs Plus,  although particularly active during the holiday season, One Simple Wish operates throughout the year, offering continuous support to foster families. It's important to note that foster parents cannot submit wishes directly; they must go through registered organizations or case workers to ensure proper vetting and coordination of support.

Schools

Your child’s school guidance counselor is a great resource to help you find local holiday help with gifts and food. The guidance office can get you connected with community programs to meet your needs. Be sure to reach out to your school district office for additional help, as well.

Society of St. Vincent de Paul

Society of St. Vincent de Paul provides Christmas assistance to those in need, including collecting and distributing toys for kids for the holidays. However, programs may vary by state.

United Way

United Way helps raise money for local communities during the holidays and prides itself in being a resource where low-income families can turn to for assistance. They’ll refer families to local organizations and non-for-profits that will provide them with the resources they’ll need for a Merry Christmas. You can contact the organization by dialing 2-1-1.

How single moms can pay off debt (even on a low income)

YMCA and YWCA

The YMCA and YWCA partners with different organizations like Toys for Tots and Salvation Army to provide Christmas assistance to low-income families. Chapters across the United States offer various programs throughout the holidays to give families a good Christmas.

Christmas toy freebies

Children’s hospital toy drives

If your child must spend Christmas in a hospital, there’s a good chance there is already a program in place to make sure they get a free gift during the holidays. For example, St. Jude Children’s Research Hospital collects toys through mail-on donations and Amazon wish list items to give to patients. Check with your local hospital for gift programs.

Amazon wish list

If you have an Amazon account (you can create a free one at Amazon.com), you can make a wish list of the toys your children want and share the link with family and friends. 

Free toys from recycling apps and sites

Use resources like Freecycle, BuyNothing, Offerup, Craigslist and more to get gently used or new toys and children’s bikes that people are willing to give away. 

Eventbrite search for Christmas toy giveaways

Sign up for a free Eventbrite account and search for toy giveaways in your community. You can also search online for “Eventbrite Christmas toy giveaways near me” without an Eventbrite account just to get the details of the giveaway. 

Contact your local church, community center, or nonprofit

Churches, community centers, and local nonprofits are also a great source for toys giveaways or may be connected to organizations that offer free toys for Christmas to children.

YouTube channel Christmas toy giveaways

Some YouTube channels give away toys at Christmas. For example, Treasure Hunting with Jebus organizes Christmas toy giveaways in Chesterfield, Va.

Check out philanthropic YouTubers like Mr. Beast, who often does giveaways and channels that cater to children's interests and toy enthusiasts. On YouTube, search “toy giveaway” and “toy giveaway (add your state)” for example “toy giveaway Virginia” to find some leads on channels and places that offer free toys near you.

Reddit's Santa's Little Helpers

Reddit's Santa's Little Helpers is an online community-driven program that aims to provide Christmas gifts to families in need. This subreddit (/r/SantasLittleHelpers) connects donors with families who are struggling to provide Christmas presents for their children. To get help through Reddit's Santa's Little Helpers, follow these steps:

1. Visit the r/SantasLittleHelpers subreddit on Reddit.
2. Read the community guidelines and rules carefully. These are typically found in the sidebar or community info section.
3. Wait for the registration period to open. According to the information provided, registration usually opens around November 1st.
4. Create a request post when registration is open. Your post should include:
   • A brief description of your situation and why you need assistance
   • The number of children you have
   • Their ages (the program is for children aged 0-18)
   • A link to an Amazon wishlist with gift ideas for your children
5. Ensure your Amazon wishlist is set up correctly with appropriate shipping addresses.
6. Be honest about your circumstances and follow all rules set by the moderators.
7. Wait for a generous Reddit user to fulfill your request. They may purchase items from your wishlist to be sent directly to you.
8. If your request is fulfilled, make sure to thank your Santa!  And follow any additional guidelines for recipients.

Remember that the exact process may vary slightly from year to year, so always check the most current rules and guidelines on the subreddit. The program typically runs from early November to mid-December, so be sure to submit your request early in the season.

Want to thank you from bottom of my heart!!!!!!!
byu/Kymckenna77 inSantasLittleHelpers

Thank you
byu/Enough_Ideal_2125 inSantasLittleHelpers

Government assistance

If your family participates in government assistance programs, consider these options:

Consult your case worker: Reach out to your assigned case worker for information about toy drives associated with your program. They can often provide valuable insights into available resources.

Explore specific programs: Two notable programs that may offer holiday assistance include:

1. Headstart: This program, designed to support low-income families, often organizes toy drives or can direct you to relevant resources.
2. Early Intervention: Focused on infants and toddlers with disabilities, this program may also conduct or be aware of toy drives for eligible families.

Remember, many government assistance programs have connections to community resources and seasonal giving initiatives. Don't hesitate to inquire about these opportunities through your program contacts.

Christmas money

We compiled this list of ways to get money and earn cash for Christmas.

Or, try applying for single mom grants like the $500 Kickass Single Mom grant.

You can apply right here:

Need more help for Christmas? Check out these helpful resources

Help for single moms: 16+ resources	$500 monthly single mom grant
Free laptops	Scholarships for single moms
Free car	Free clothes
Free smartphone	Best jobs moms can do from home
Free wifi	Free and low-cost prescriptions
Free formula	Free diapers
Government assistance for single moms	Free daycare
Free preschool	Free gas
Affordable dentures	Free money
10+ charities that help single mothers	Tutoring and homework help
Free or low-cost after school programs	Health insurance
Cash for junk cars	Free food
Dumpster diving	Low-income home loans
Free school supplies	Free housing
Home buyer grants	Free or cheap dental care
Free gift cards	Cheap eats near me
Free money for bills	Free baby stuff
Free car seat	EBT cash
EBT on Amazon	EBT discounts and freebies

---

Find single-mom resources in every state:

Alabama	Alaska
Arizona	Arkansas
California	Colorado
Connecticut	Delaware
District of Columbia	Florida
Georgia	Hawaii
Idaho	Illinois
Indiana	Iowa
Kansas	Kentucky
Louisiana	Maine
Maryland	Massachusetts
Michigan	Minnesota
Mississippi	Missouri
Montana	Nebraska
Nevada	New Hampshire
New Jersey	New Mexico
New York	North Carolina
North Dakota	Ohio
Oklahoma	Oregon
Pennsylvania	Rhode Island
South Carolina	South Dakota
Tennessee	Texas
Utah	Vermont
Virginia	Washington
West Virginia	Wisconsin
Wyoming