Single motherhood






Hi, I'm a Kenyan-born, Colorado-based single mom to twins Hodari and Milambu. I turned the challenges of single motherhood into a thriving YouTube community and blog. Here, I offer support and practical advice on parenting, lifestyle, and more. Let's navigate life's complexities together!


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single motherhood





Being a single mom is not an easy task, and it often comes with its own unique set of financial challenges. As a single mom, you have to manage your household expenses, your children’s needs, and your own financial well-being all on your own. You might be dealing with child support payments, custody battles, or even trying to find a new job to support your family.

As a single twin mom, I understand the struggles that single moms face when it comes to their finances. That’s why I’m passionate about providing practical tips and advice to help single moms survive financially–especially as I learn to manage my own household.

It’s important to recognize that every situation is unique, and there is no one-size-fits-all solution when it comes to managing finances as a single mom. However, there are certain steps that every single mom can take to improve her financial situation.

In this blog post, I’ve outlined practical tips that can help you survive financially as a single mom. By following these tips, single moms can take control of their finances and build a brighter future for themselves and their families.

Related: 7 Best Money Habits To Adopt in 2023

Surviving Financially as a Single Mom

Here are some tips that will help you to survive financially as a single mom:

7 Essential Financial Tips for Single Moms

1. Create a Budget

The first thing you need to do is create a budget. A budget will help you to keep track of your income and expenses, and it will help you to identify areas where you can cut back on your spending. Start by listing all your income sources, including your salary, child support, and any other sources of income. Then, list all your expenses, including rent or mortgage, utilities, groceries, transportation, and any other expenses you have. Make sure that your income covers all your expenses, and if it doesn’t, look for areas where you can cut back.

Each month, review your budget to see how you spent your money and note any areas you can improve in. This will help you know where your money is going so you can make any necessary changes to better your financial situation.

2. Build An Emergency Fund

As a single mom, you need to be prepared for unexpected expenses. Building an emergency fund will help you to deal with unexpected expenses without going into debt. Start by saving a small amount each month and gradually increase the amount you save.

In the book Total Money Makeover, Dave Ramsey suggests building a $1000 emergency fund to start and then adding at least 6 months of expense set aside in case of a job loss. Being that single moms live on one income, it’s important to have enough saved so you can weather any storms.

3. Reduce Your Debt

If you have debt, it’s important to pay it off as soon as possible. The interest you pay on your debt can add up over time, making it more difficult to get ahead financially. Focus on paying off your highest-interest debt first, then move on to your other debts.

4. Increase Your Income

If you’re struggling to make ends meet, consider ways to increase your income. You can look for a part-time job, start a side business, or take on freelance work. There are many opportunities available, especially with the rise of the gig economy.

5. Seek Out Government Assistance

There are many government programs available to help single moms. These programs can provide financial assistance, food assistance, and help with childcare. You can contact your local government agency or visit their website to find out what programs are available in your area.

6. Look For Community Resources

Many communities have resources available for single moms. These resources can include food banks, clothing drives, and support groups. Check with your local community center, church, or social services agency to find out what resources are available in your area.

7. Plan For The Future

As a single mom, it’s important to plan for the future. This includes planning for your retirement, your children’s education, and any other long-term goals you have. Start by setting aside a small amount each month for your retirement and your children’s education.


It’s important to remember that surviving financially as a single mom requires a combination of discipline, determination, and resourcefulness. By creating a budget and sticking to it, you can keep track of your income and expenses and identify areas where you can cut back. Building an emergency fund can help you prepare for unexpected expenses that might arise, such as car repairs, medical bills, or job loss.

Reducing your debt is also a critical step in achieving financial stability. High-interest debt can quickly spiral out of control, so it’s important to focus on paying off your debts as soon as possible. Increasing your income, whether through a part-time job, freelancing, or starting a side business, can also help you get ahead financially.

Additionally, government assistance programs and community resources can provide valuable support to single moms who are struggling financially. Programs like food assistance and childcare subsidies can help you make ends meet and reduce your financial stress.

Finally, planning for the future is essential for long-term financial success. This includes saving for retirement, planning for your children’s education, and setting achievable financial goals. By taking control of your finances and implementing these practical tips, you can thrive as a single mom and provide a better life for yourself and your children. Remember, it’s never too late to take control of your financial future and create the life you want for yourself and your family.

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7 Practical Tips for Surviving Financially as a Single Mom

survive financially as a single mom

Mar 16, 2023

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