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save money as a single mom

12 Ways to Save Money as a Single Mom

save money as a single mom

 

Raise your hand if you’re a single mom and you want to know how to save money. Budgeting can be expensive for two or more if you’re the only breadwinner.

It can be overwhelming to manage your funds, especially if you have no idea where to start. But the good news is that we have heard your prayers and we’ve got 12 tested ways to help you as a single parent save money.

How to Save Money as a Single Mom:

1. Sort your Bills

An enormous number of bills can be overwhelming to sort through if you let them pile up. It’s wise to organize your bills according to criteria so that you know the exact amount that you owe and to whom. Try and pay off each bill as they come so that you don’t get tied down with paying a bunch of them at once.

2. Recognize the Bad Egg

Remember that gym subscription that you really wanted and never used? Or that arts and crafts class that your child despises? Let’s face it, they’re a waste of money.

It’s very important to know the difference between something that adds value to your life and something that is just siphoning your money away for no good reason.

Sorting out the bad from the good, and closing accounts or ending subscriptions that you don’t lose can save you plenty of money in the long run.

3. Budgeting 101

Budgets? They’re boring but necessary. Keeping your monthly spending in check can be tough but its a great way to keep an eye on what you’re spending, as well as what you can cut down on.

You can start small with budgeting. It’s wise, to begin with, a weekly budget, and once you get a hold of it, monthly ones will be easy-peasy.

4. A Savings Account Saves the Day

Savings accounts don’t sound appealing because you only live once right? Wrong. With a child, you need to be able to prepare for a rainy day. You never know when you may have to splurge on a new uniform or an unexpected doctor’s visit.

Set aside an amount each month that you can afford to save and set up a direct deposit or standing order to transfer it into your savings. Within a few months, you’ll already have a sizeable amount you can rely on in times of crisis.

5. Paid Bills and Overdue Smiles

Have you been missing out on time with your kids because you’re too busy paying bills?

Mothers, don’t sleep on your bills. Rather pay them off immediately if you have the option as this will maintain a good credit record. It will also give you a sense of freedom and more quality time with your kids.

6. Don’t Borrow Liabilities

Loans become a necessity when you have growing expenses. As a single mother, there are responsibilities that you have to carry out and borrowing can be inevitable.

However, only borrow what you need and not what you want. If you can’t afford a new dress or a new coffee machine, don’t buy one until you can. Loans should only be for absolute necessities.

Make sure that you have read the small print and know all the terms and conditions about interest rates, deadlines and the source you are borrowing from.

7. Solo is your New Yolo

Joint ventures may have been a good idea but so is cutting ties when it no longer serves your purpose. Opting out from all joint ventures, such as joint bank accounts, with your ex should really boost your savings and leave you plenty of breathing room.

We know its hard to manage everything on your own, but it’s not impossible.

8. Low Prices Exist

As a buyer, you are obliged to pay whatever the price tag says. But you don’t have to pay the first price you see.

You can hack your growing spending in the craftiest of ways. Online platforms are amazing if you just take some time to see what’s on offer.

Using price comparison websites and doing research online can bring up all sorts of deals on the same or very similar products. See what’s out there before you commit to the first price.

9. Thrifts are Canny

Second-hand shops aren’t really for everyone – especially with the raving fascination for Gucci and Prada. However, stylish doesn’t have to mean expensive.

You would be amazed at the awesome clothes and other accessories you can find in thrift stores for you and your kids at hugely discounted prices. Once you go thrift, you never go back.

10. Meal Prep and Weekends In

Eating out is convenient and tempting, but cutting down on these little dinners out can save you loads of money. While cooking in and preparing meals can take a hefty amount of your time, it’s rewarding and you can be sure of what you and your kids are putting into your bodies.

Both your health and your purse will benefit.

11. Discounts and Coupons are Class

Discounts and coupons are a lifesaver when it comes to saving money as a single parent. Collecting them and being on the lookout for promo codes can be economical.

Keep an eye out for coupons in store, in magazines and online coupons to get discounted prices on groceries, clothing and even haircuts.

12. Honesty is the Best Policy

As an adult, it’s your job to provide for as well as discipline your kids Be vocal and firm about saying no to your kids. Explain the importance of savings to your child. The best way to save some cash is through communication and teamwork.

Final Reflection

Getting your finances in check as a single mother can be really tough at first. Whether you are a newly single mom or have been for a while, budgets and healthy finances are the new normal.

The most important way to start is by setting small goals, motivating yourself and not surrendering to temptation.

It will be hard but with trial and error, you definitely can and will rock the life of a money-savvy single mother with a little perseverance.

The post 12 Ways to Save Money as a Single Mom appeared first on Divorced Moms.

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single mom wants for valentine

14 Things Every Single Mom Wants For Valentine’s Day

single mom wants for valentine's day

 

Valentine’s Day isn’t just a day to celebrate the love of a couple. It’s a day to celebrate love all around. So if you’re single or you know a mom who’s going solo this year, spread the love with a few things that she might actually want.

14 Things Every Single Mom Want For Valentine’s Day

1. A word of encouragement

Everyone can use a little encouragement, especially on a day that can make being single feel more lonely and less appreciated. Show some love with a card or note that simply says what a great friend and mom she is. Leave it on her door to find or send it via snail mail for a welcome surprise.

2. Flowers don’t have to come from lovers

Who doesn’t love the smell of a fresh rose or carnation? Hit the florist for an arrangement that can be sent directly to her work, or try getting a bunch of loose flowers to drop off for a group of your favorite gal pals.

3. A trip to a day spa with a friend.

Being a single mom is tough work and should be rewarded every now and again with some relaxation. A day at the spa is just the treat to lift spirits and make her feel her absolute best. There’s no need for her to go it alone. Schedule back-to-back appointments for a massage or see if you can get an appointment at the same time for a manicure/pedicure.

4. A gift card.

What single mom wouldn’t enjoy a gift card to her favorite store or shop? Give her the opportunity to do something she doesn’t often get to do…go shopping and buy a tricket for herself!

5. A night out with the girls.

Sometimes a night out with the girls is all it takes to remember why being single is so great. Organize some time with the girls getting drinks, seeing a movie, hanging out at home or just doing a little shopping – without the kids.

6. Chocolate, chocolate and more chocolate.

There are few out there who wouldn’t enjoy a 10-pound bar of chocolate on Valentine’s Day. Grab a bar or two – maybe not a 10-pounder – and give them out with cute phrases attached. Your single friends will be grateful.

7. No pity!

One of the greatest gifts you can give a single mom is to refrain from any remark of pity. Many women out there choose the single life and love it, so give encouragement as a friend that she is a remarkable person.

8. Photos of her true loves.

Every mom loves a picture or two – or a hundred—of her adorable kids and friends. Get some printed, wrap them up in a card or pick out a cute frame to show off fun faces. Better yet, if you’ve got time to devote to something special, create a photo album of all the people who love her best with special notes from them all.

9. A kid free day.

Handmade gift certificates for a kid-less day or evening can do wonders for a single mom. Give her a list of dates you are available for her to redeem her coupon, plan a few activities for the kids and let the evening of fun begin.

10. Something made with love.

Anything homemade or handmade is sure to be a hit with the gal who knows all about how important time is. Think soaps, body scrubs, candies, etc. If you’re into jewelry or have special talents in knitting, put your skills to use making something nice to give. She’ll appreciate the time and effort you spent thinking of her.

11. A special activity with her kids.

Single moms may like to just have a day to hang out with their littlest loves, so a family friendly date may be just the ticket. Consider giving a gift card to a local bowling alley or an interactive museum.

12. Tickets to a show.

A couple of tickets to a comedy night, local play or great band may be perfect for a Valentine’s Day gift. Plan ahead so she won’t be going it alone. Either schedule time with her and yourself or grab an extra ticket for a close friend of hers.

13. A maid for a day!

Unless she’s Wonder Woman, chances are she could use an extra set of hands around the house. Things like laundry, dishes, and cleaning chores pile up unless you have a dump truck on lock to dispose of them. A thoughtful gesture would be to provide her with the gift of a cleaning service to do some deep-down scrubbing of her home.

14. Something to binge on.

If none of the other ideas are striking your fancy, she’s sure to be up for a copy of her favorite artist or chick flick. Add in some popcorn and candies for a sweet gift.

Being a single mom doesn’t mean she should be singled out of Valentine’s Day. Use one of the items on this list to make her feel included, special and an inspiration for the love brought on by this special holiday.

The post 14 Things Every Single Mom Wants For Valentine’s Day appeared first on Divorced Moms.

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7 Single Mom Valentine’s Day Ideas

7 Single Mom Valentine’s Day Ideas

Your single mom Valentine’s Day doesn’t have to be sad or lonely. Use these 7 unique ideas to celebrate Valentine’s Day whether you have a partner or not.

The post 7 Single Mom Valentine’s Day Ideas appeared first on Divorce Magazine.

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have a splendid valentine

How Divorced, Single Moms Can Have A Splendid Valentine’s Day

have a splendid valentine's day

 

During my marriage, Valentine’s Day was a big deal in our home. I made mini heart-shaped cakes that my husband and I would share with our children after he and I had been out to a special Valentine’s Day dinner.

We didn’t focus so much on romance but on showing each other love. The children received a new plush toy on that day, I got a special dinner with my husband and, at the end of the day, we all had a sweet treat and time together as a family.

We carried on the tradition after the divorce only I didn’t get the special dinner and although I felt like my heart had been ripped out, I still had to make those mini heart-shaped cakes and buy plush toys.

What I really want to do was go to bed and pull the covers over my head. There is no better reminder of how unlovable you are after a husband leaves than Valentine’s Day. And the last thing I wanted was a reminder of how much life had changed since our last Valentine’s Day together.

I also knew that, I didn’t want my next Valentine’s Day to be a reminder of the past or my station in life so, the following year, I changed things up and made a promise to myself that I’d not wallow in pity but make the day the most splendid it could be regardless of my marital status. Here’ how I did that.

How Divorced, Single Moms Can Have A Splendid Valentine’s Day

Be kind. Pay attention to your inner dialogue and the things you say to yourself. When that inner voice is saying something negative, stop and ask yourself if you would “talk” to your girlfriend that way. If the answer is no, then don’t say it to yourself. Instead of thinking, I’ll always be alone or no one will ever love me or Will I ever find love again? Try reminding yourself that you are loved and reassure yourself that the right person will come along at the right time.

Treat yourself. Do something nice for yourself, anything. Pamper yourself with a pedicure or massage. Take a bubble bath. Visit your favorite coffee shop armed with a good book as company. Go for a long walk. Treat yourself to dinner and a movie. Buy yourself a fancy cupcake or a piece of chocolate. You deserve to enjoy good things. You deserve to spend time participating in activities that are life-giving and create peace in your life. Stop waiting for someone to do it for you—do it for yourself.

Create a new tradition with your kids. Valentine’s Day does not have to be all about romance. Take this opportunity to celebrate with your children. Make pizza at home. Decorate cupcakes or watch a family movie. Clinical psychologist and divorce coach Deanna Conklin-Danao suggests that focusing on your kids is an excellent way to combat the loneliness that can creep in around this time of year.

Phone a friend. Surrounding yourself with positive people is a key way to practice “emotional hygiene.” Enlist the support of a good friend and plan an evening or afternoon out. There is nothing like some good girlfriend time to remind you of how wonderful you are.

Work out! Exercise is a proven mood lifter and is essential to maintaining one’s physical health. It is an excellent way to demonstrate self-care. You don’t have to join a gym or go to a class—start with a walk outside. Go for a run. Climb the stairs in your house. Rent an exercise DVD. It doesn’t matter what you do—just move your body and you will feel better.

Make someone else’s day. Another great way to elevate your own mood and to feel encouraged about your situation is to do something for someone else. Make and send Valentine’s Day cards for our servicemen and women who are away from their families. Plan and host a Valentine’s Day party at a women and children’s shelter. Volunteer at an animal shelter. Serve meals to the homeless. Bake cookies, and take them to your local firehouse or police station. Send thank-you letters to your children’s teachers.

Holidays can be difficult for divorced single moms, and Valentine’s Day is no exception. Creating new traditions on these special days is an excellent strategy for combating the blues and building a wonderful new life for you and your children. This Valentine’s Day is the perfect occasion to start the tradition of celebrating your love for yourself. Filling up your “love tank” will give you plenty of love to pour out on those around you.

Happy Valentine’s Day!

The post How Divorced, Single Moms Can Have A Splendid Valentine’s Day appeared first on Divorced Moms.

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