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Motherhood is challenging. Single-mom-hold? Even more so. How do single moms survive financially? Here are some helpful tips:

Stay organized 

Keep track of all your expenses and income so you can make smart financial decisions. When you’re trying to manage your money, it’s important to keep track of all your expenses and income. 

This way, you can make sure that you’re not spending more than you’re earning, and you can also plan for future expenses.

Here are a few tips for tracking your expenses:

Keep a budget 

This is probably the most important thing you can do when it comes to managing your money. Create a budget and make sure that you stick to it. This will help you track your expenses and ensure that you’re not spending more than you’re making. Income should always exceed expenses.

Track your spending 

When you’re tracking your expenses, make sure that you’re tracking both your regular expenses and your extravagances. This will help you stay on track and avoid spending money unnecessarily.

Track your income 

When you’re tracking your income, make sure that you’re tracking both your regular income and your sources of income. This will help you figure out how much money

Make wise investments 

Invest in yourself and your future by saving for a rainy day.

There are a few things you should keep in mind when making investments:

Do your research

Before making any investment decisions, it’s important to do your research. This means understanding the risks and rewards of the investment, as well as the potential return on investment. 

If you’re investing in a company or financial organization, this means knowing the facts about the company, its products, and its financial situation.

Stick to your financial goals

It’s important to remember that your investment goals should be consistent with your risk tolerance. 

Write your goals on a piece of paper, for example. And place it where you can easily see it. This will serve as a constant reminder and help you to stay on track. 

If you have decisions to make, evaluate them in comparison with your goals. Make decisions that will not detract from them.

Don’t be afraid to ask for help 

There are many organizations and services that help single mothers. Some of these organizations provide financial assistance, job resources, and other support. Others provide counseling and other support services.

Some of the organizations that provide financial assistance to single mothers include 

  • the WIC program, 
  • Department of Agriculture’s food stamp program, and the 
  • Department of Health and Human Services’ Women, Infants and Children program. 

These programs provide financial assistance to low-income single mothers to help them buy food, clothing, and other necessities.

Many organizations provide job resources for single mothers. These resources include 

  • Career counseling, 
  • Job placement services, 
  • and other support. 

Some of these organizations include 

  • The Job Corps program, 
  • National Domestic Workers Alliance, and the 
  • Women’s Business Enterprise National Association.

Other organizations provide counseling and other support services to single mothers. These services may include 

  • Support groups, 
  • Counseling, 
  • and other services. 

Some of these organizations include 

  • the National Organization for Women, 
  • the National Low Income Housing Coalition, 
  • and the National Women’s Law

Don’t overspend

We can not over emphasize this enough. One main reason why people go broke. Or are in need of financial assistance is not because they make little income. No, often it’s because of spending more than they earn.

So don’t go broke. Evaluate your expenses and always spend only a percent of your income. Even when investing, never lay all your eggs in one basket. And never exhausting your savings in any investment. Follow a smart spending strategy, and keep to it.

Be creative 

There are a lot of ways to make money, whether it’s through freelancing, starting your own business, or finding a side hustle.

Being creative as a single mom can be challenging but it can also be fun and rewarding. There are many ways to be creative. Some ideas include:

  • Starting a blog or writing column for a local magazine.
  • Take writing classes to develop your writing skills.
  • Participate in local art or craft shows.
  • Create your own home decor items.
  • Design and make your own clothes.
  • Start your own business. Start small and grow from there.
  • Participate in community service projects.
  • Use your creativity to raise awareness about important issues affecting single mothers.

Reduce expenses

There are many ways to reduce expenses as a single mom. Here are a few tips:

  • Live below your means. One of the best ways to save money is to live below your means. This means cutting out unnecessary expenses and focusing on what’s important.
  • Cut back on your spending. One of the best ways to reduce expenses is to cut back on your spending. This means finding ways to save on groceries, transportation, utilities, and other bills.
  •  Live lean. One of the best ways to reduce expenses is to live lean. This means packing your pantry with healthy foods and reducing your intake of processed foods and sugary drinks.
  • Shop for bargains. One of the best ways to reduce expenses is to shop for bargains. This means looking for sales, shopping at discount stores, and clipping coupons.Many stores offer discounts on items in their clearance section or during sales.
  • Compare prices before making a purchase. Make sure to compare the price of the item you are purchasing to the same item at other stores.
  • Coupon codes. Register for online newsletters or sign up for email subscription services to receive coupons.
  • Set up a budget. Create a budget and stick to it. This will help you track your spending and make sure you are not overspending.
  • Use credit cards sparingly. A credit card can be a useful tool, but use it sparingly. Consider using a credit card that offers cash back or rewards. This will help you save money on your purchases.
  • Live frugally. One of the best ways to reduce expenses is to live frugally.

Manage finances effectively

There are a few basic steps you can take to manage your finances effectively. First, make a budget and stick to it. 

This will help you track your spending and see where you can make cuts. Next, figure out what sources of income you have and make sure you are using them to their fullest potential. 

Finally, be aware of your debts and make sure you are paying them off as quickly as possible. By following these simple tips, you can manage your finances more effectively and get on the path to financial stability.

Generate income

What is the best way to generate income? There is no one answer to this question. Every person’s situation is different and will require a different approach to generating income. 

However, some general tips that may help include

  • Networking, 
  • Searching for opportunities, and 
  • Starting a small business.

Networking is key when it comes to finding new opportunities. Make sure to reach out to people you know, attend business events, and join relevant groups.

Searching for opportunities is another way to generate income. Check out job boards, business directories, and websites that focus on specific areas of expertise.

Consider starting a small business. This can be a great way to gain experience and leverage your skills. There are a number of resources available to help you start a business, including online forums, articles, and business planning tools.

Pay off debts

Take a close look at this artwork below

How do single moms survive financially

The chain behind is what happens to a debtor. You’re not just in debt but a slave to your debtor. Debts prevent you from making any  other financial progress. So it can only be as simple as it gets. 

Should you pay off debts first or invest? This trickery question is answered here. But whatever the case may be settling debts frees you to make every other step outlined in this article.

Take advantage of government benefits and programs

In many parts of the world, there  are welfare programs to assist families with needs. If you find yourself in a financial corner, take advantage of these programs. They can help you in the short term.

Some government institutions offer near-zero interest SME (Short and Medium Enterprise) loans. If you have a well defined business or investment plan, you can take advantage of these loan offers to start your business.

Remember that this is a debt. So work hard to grow your business and pay back loans on time.

Manage stress and stay positive

Women are naturally not the best managers of stress. In times of financial stress it can be tough to ‘keep it together’. 

Finding ways to cope with stress can keep you mentally fit to make decisions, an asset you’ll need as a single mom. So,

  • Create a support group of friends and family.
  • Learn to tear up when the emotions weigh heavy on you.
  • Where practical, seek counseling. 

Create a healthy home environment for your children

Your kids are arguably your biggest asset as a mom. Create a healthy home environment for them. A clean and tidy environment keeps them healthy. This in turn reduces expenses spent on treating infections and injuries.

A healthy home environment also includes taking care of their emotional and mental health. Keep them safe from abuse. How does this convert to your finances? A happy home keeps you sane. You not only save money that would be used in solving problems. But you also keep your sanity intact. This can help you in making financial decisions.

Single moms can face a lot of challenges, but with a little effort, they can get through them. By following these tips, they can manage their finances and other stressors.


If being a single mom is stressful, having low income multiplies the stressor.

There are many ways that low income single moms survive. 

  • Some moms may find part-time work, 
  • Others may rely on government assistance
  • And still others may have to rely on family or friends for support. 

Some moms may need to adjust their budget to fit their income level, while others may need to find a way to combine income sources to make ends meet. 

Other single moms may decide to find a way to get more education or find a job that pays more. 

Whatever the case may be, there are many ways that low income single moms can make it through.

All the tips mentioned at the outset of the article, can effectively apply to single mothers. In fact, the article is written with the viewpoint of a single mother with a low income.



There are a number of jobs for single stay at home mothers. This can include 

  • Starting a home-based business. If no law prohibits it, petty sales from home can be a source of good income.
  • Working as a nanny or daycare provider. More mothers are joining the workforce daily. New working class mothers are constantly in need of a nanny. Can you be one? Setting up a daycare business can help you to provide this service to multiple families. Never underestimate the amount that can be made from this “lowly” service.
  • Applying for secretary roles.  It is as it sounds. This can present unique challenges for single mothers. But if your circumstances allow, you should take advantage of the fact that women are needed in secretary roles more than men.

It is important to find a job that is comfortable for you and that you enjoy. You should also make sure that the job pays well and provides benefits, such as health insurance.


How do single moms survive financially?

  1. Stay organized 
    1. Keep a budget 
    2. Track your spending 
    3. Track your income 
    4. Make wise investments 
    5. Don’t be afraid to ask for help 
  2. Don’t overspend
  3. Be creative 
  4. Reduce expenses
  5. Manage finances effectively
  6. Generate income
  7. Pay off debts
  8. Take advantage of government benefits and programs
  9. Manage stress and stay positive
  10. Create a healthy home environment for your children

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