I can not continue to pay $25/hr to have 12 hours of help for my mom. It has literally has diminished my savings. There is an online site that has experienced caregivers wanting $10 to $15/hr but they do not have insurance, or in NJ if you do not work with an agency you no longer have a valid license for CHHA or CNA. I am very concerned about hiring someone without any type of protection in case they hurt my mother in some way or hurt themselves in my home or steal from my home. I am bringing my mother to live at my home for a while, I can not continue to take care of her home and mine as well. Any suggestions?