How To Save Money As A New Or Expecting Single Mom

Tips on how to save moneyas a new single mom. |

Hey mama,

Are you currently expecting a little one or recently had yourself a little one? Then read on for my best tips for saving money during this exciting and potentially difficult time.

How To Save Money As A New Or Expecting Single Mom

So, I have technically been single since my son was born nearly 8 years ago. My situation was very challenging and I was completely alone, with no support system, no money, and no clue. Most all of my son’s baby items were donated by members of my church, none of the things I got were new, they were all old, outdated and some were even broken. But I was so blessed to receive what I did, or else my baby would have had nothing. I slowly learned what items were super important and which ones were not necessary and how to find things we needed at the best price.

Being a young unemployed single mom, I had to learn a lot, learn it fast and fend for myself any way I could. This meant asking for help when I knew I really needed it and searching around for the best bargains. Since it has been so long since this was my life, baby stuff has not been on my radar for years now. My son is growing like a weed and 8 years ago feels like a lifetime. So I am wracking my brain trying to remember what it was like then and do my best to give you new mamas my best tips and advice for going into this single mommy world.

Here we go!

Saving Money Tips:

Tip #1. Thrift stores, thrift stores, thrift stores! Don’t start thinking eww! Beleive me, some of the most amazing treasures can be found at your local thrift store. If it’s good enough for Lady Bird it is definitely good enough for your baby. You will find gently worn baby clothes, toys, shoes, crib bedding, strollers and more all at affordable prices! Most of the items no one would even guess were used!

Tip #2 Churches. If you are not already established at a church in your area, this is the time. Most churches have programs that are helpful to those in need and will be glad to offer non-judgemental and loving support to a single mother, no matter what your personal beliefs are.  Everything from free clothes, food, connections to women’s support programs and even shelter is provided to those who can swallow their pride and ask for help.  Be strong mama, I did it and so can you!

Tip #3.  Baby shower registry. If you have family and friends in your support circle, then creating a baby registry is a great way to receive nice items for your baby from those who love you. You can create on online and add all the items on your wish list, or in a store in your area such as Babies R Us or Target. Be sure to include items that are in the lower price range, not just the bigger more expensive items. This will help your friends and fam to gift you with the things you need and be affordable for them. 

mom with baby in nursery |

Tip #5. Subscription boxes and services. I am in love with the idea of subscription boxes, I absolutely love them! They make mom life so much easier, and actually cheaper! There are so many fantastic ones out there for moms, babies, and little kids! For one price per month, you will receive items that you otherwise would have access to or that would cost you a ton of money to go out and buy yourself. This way you get awesome surprises, all in one fair priced box shipped right to your door! Here are my favorite subscription boxes.

Tip #6.  Online discount sites and coupons. Being a single mom is the perfect reason to learn how to get thrifty! Searching online for the best deals, coupons and discount codes can be a bit of a chore, but trust me you will be thankful you did! Sites like Ebates and Retail Me Not are great for getting cash back and saving a few bucks when shopping online, and it may be a little too mom-ish but clipping coupons is still cool. I think.

Best tips to save you money as a new single mom. |

My friends over at My Baby Care have a wonderful post all about getting cheap diapers and I highly recommend you check it out and save on one of the most expensive aspects of having a wee one! You will love their tips on saving big $$$ on diapers!

For more finance tips to live a better single mom life, check out my post on money habits to make your 2018 sparkle!

I hope I have given you some tips that you will remember as you embark on your single mom adventures. Don’t be scared, and know that you are not alone. Please subscribe to my mailing list for more tips and advice on living your best single mom life!

Love, Jessxo

How To Manage Your Earnings As A Blogging Mompreneur

Managing your earnings from blogging as a mompreneur |

Hey there mamas,

I’m glad to see you are joining me as I continue my mompreneur series. My first two posts in the series were how to avoid mistakes when becoming a mompreneur and the costs of starting your own home business . Today, I will be showing you how to manage your earnings as a blogging mompreneur.

How To Manage Your Earnings As A Blogging Mompreneur

Blogging is a great way for busy moms to earn money. Whether you write your own blog that you monetize or you make money from writing blogs for others, it’s a flexible venture that can help make the most of your writing skills. While it can be a good money-maker, it can also be an unpredictable business – particularly from the financial side.


Pretty home office set up for a mompreneur |

Working for yourself means that you’re going to need to get a handle on your finances. The following tips are a good place to start from managing your blogger earnings so that you can make a living from out of your blogging work.

Get some savings behind you

If you’re leaving another job to start blogging full-time, you’re going to need some savings behind you. Having some savings is important for those months when work is quieter than usual, or you’re struggling to get those invoices paid. As you continue to earn from your blogging, make sure you save a portion of it to put in your ‘rainy day’ fund. Try to save enough to cover your outgoings for three months, which should give you time to seek alternative work if blogging dries up. 

Keep your blogging earnings and other finances separate

When you’re making a business out of blogging, you need to treat it like a professional business, and that means having a separate account. Make sure that all of your earnings are paid into one bank account that you can then pay yourself out of. This will help you to manage any business expenses you might have and make it easier for you to keep control of your money.

Save for your taxes

As well as having an emergency fund, you’re going to need to save for your tax bill too. Nobody wants to deal with that shock at the end of the year, so make sure that you put aside what you need as you earn it. Read up on what you need to know about tax and make sure you know all of the deadlines of when key payments are due.

Get savvy with invoicing

Working for yourself requires an element of trust in your clients. You expect them to pay their invoices on time and in full, but there are never any guarantees that someone will stick to their word. If you find yourself struggling with late payments, agree on payment terms firmly in advance and set clear deadlines for when you expect to be paid. You can ask for a retainer before you begin work so that you’ve had at least a partial payment upfront. I highly recommend using PayPal for all of this. 


If late payments start affecting your finances, you might want to read up on how fast cash loans work. A cash loan could tide you over until your invoices are paid, but you should be cautious about how much you borrow. Other solutions include hiring a collection service to help you resolve any disputes or seriously overdue payments.


There’s some good money to be earned from blogging, and it can be a great career to fit around being a mom. If you’re thinking of going for it, learn to avoid the common mompreneur mistakes that many moms face at the beginning. With the right attitude and some organization, you can turn your dreams of being a full-time blogger into reality.

I thoroughly enjoy my career as a blogger and I know you will too! Horray for blogging mamas!

high five |

Please share this post to help out other blogging mamas and make sure you subscribe and join my awesome mailing list if you haven’t already!

A collaboration

Love, Jessxo

How Much Does It Actually Cost To Start A Business?

How much does it cost to start a home business? |

Hey mamas,

Many of us single moms wish we could start our own business so we can have more time home with our children instead of leaving them to work outside of the home, we should not have to abandon our children to earn a living. Our place if with our kids and starting up our own business is just the way to do it. But how much does it actually cost to do this? Keep reading to learn to find out.

How Much Does It Actually Cost To Start A Business?

The main thing that puts people off starting a business is the amount of startup capital that you need. The general opinion is that you need a huge amount of money that most people couldn’t save, even if they stuck to a strict budget for the rest of their life, but that’s not actually true. In fact, most businesses startup with under $10,000 and a lot of them do with less than $5000. Heck, most mompreneurs start their business for nothing! I did! That’s a much more realistic goal but the amount of money you need is dependant on the type of business that you want to start. If you’re considering starting up your own company, here is a guide to help you work out how much startup capital you’ll need.


Depositing money in a piggy bank |



If you’re starting a business that is fairly cheap to get going then you might be able to save up all the money yourself, but most people tend to borrow at least part of it. Working out how much you can afford to borrow will help you decide how much you need to save yourself. A revolving line of credit is probably the most sensible way for a small business to borrow money. The bank will set a top limit and you can withdraw money as and when you need it as long as you don’t exceed the limit. This is much better than taking out the loan as a lump sum because you’re only taking what you actually need. You can use a line of credit to cover a lot of your general running costs so you don’t need to save up as much money for that. A lot of banks and other credit unions actually have programs specifically for single moms!!! So definitely do your research and find the best way to go about this. 


Office Space


Hiring office space is one of the biggest costs for any business, so running the business from home is the answer. This is the best way to make yourself available for your kids 24/7. The rise of remote working and cloud technology means that your employees can often do their jobs from home as well, so you don’t need to factor in the costs of hiring an expensive office space. Boom baby!


Room For Growth


Room for growth is one of the things that is often overlooked when people are calculating how much money they need to save before starting a business. Most people save enough money to fulfil small amounts of orders for the first few months until they become profitable enough to cover all of their running costs. That’s fine in most cases but what do you do if you exceed expectations and suddenly get a huge windfall of orders? You need to capitalize on that opportunity but if you don’t have enough money to produce all of those products, you’ll miss out. You’ll probably end up borrowing more which isn’t a sensible move this early on in the business. Work out your production costs and then save some extra that you can keep aside just in case.

Woman in home office |


These are the main things that you’ve got to consider when saving money for a startup, but one thing that people often forget about is paying themselves. You’ve still got to cover all of your normal living costs now you aren’t working so remember to factor in a wage for yourself. I hope this has helped you on your journey to becoming a mom boss! Share this post to help other potential mom bosses!

A Collaboration 🙂

Love, Jessxo


Money Habits To Make Your 2018 Sparkle

Hey, there sexy mamas!

Hope the New Year is treating you well so far! To help usher us into a what will hopefully be a fantastic year, I wanted to bring you some tips on money habits to make your 2018 sparkle! Read on for some kick-booty advice on slaying your finances this year!

Money Habits To Make Your 2018 Sparkle

Could your year have gone better financially? If 2017 was characterized by poor money decisions, having to carefully budget and worry about unexpected expenses, then there are ways to look forward to a much brighter future in 2018. It starts with a few simple steps, such as consolidating any debt and trimming your outgoings. This should leave you with more of a cushion to cover anything you didn’t budget for. Here’s how…

make your 2018 sparkle |

Check Your Utilities

It doesn’t pay to be loyal when it comes to your gas, electricity and other bills such as broadband. Despite the huge array of comparison sites out there, many of us still aren’t taking ten minutes to make sure we’re getting the best deal. Your circumstances will change over time, so the tariff that is best for you will also change. You could save up to $300 a year just for a quick check! The onus is firmly on providers to make it easy to switch so there shouldn’t be much hassle for you as a customer. Save those dollars where you can! 

Pay Down Your Debt

Wouldn’t it be amazing to wake up one day completely debt free? While this is a completely achievable reality, you have to be smart about your borrowing. Many people just let their repayments tick along. What you actually need to be doing to make inroads in the amount you owe is proactively managing the situation. Consider finding a debt consolidation loan through a service like Evolution Money. That way you can reduce multiple payments into one monthly amount. If you have credit cards, try transferring the balance onto a card with an interest free period to then pay it off in the timeframe.

Seek Out Cashback

If you’re planning any big purchases this year, then make sure you go through a cashback website like Ebates. I personally use and love this site, it’s only an extra click when you’re shopping online and boom! Automatic cash back! You’ll get a percentage of what you pay back – and when it’s a larger purchase, like white goods, this is well worth doing. You can even earn cash back for purchases made via your mobile phone using their app. 

Money habits to make your 2018 sparkle |

Set a No Spend Zone

You may be in the habit of small, daily purchases. They don’t cost much individually, but add them up over the course of a year and they can make a significant dent in your budget. Often these habits don’t really bring us happiness. So one trick to to set a ‘no spend week’ or even just a ‘day’ in the month where you don’t spend any money at all. Prep your lunch in advance if you work out of the home and bring a coffee your own coffee travel mug. Leave your debit card and any cash in a drawer. You may be surprised how effective this is at breaking a pattern of mindless spending.

Waste Less Food

Food waste is a huge environmental problem, and it’s also an issue for our wallets with the cost of the weekly shop rising all the time. But we can get better at correctly estimating portion sizes and find creative recipes for leftovers. Finding out information on how to correctly store food and using our freezer more can also help. Love Food Hate Waste is a great place to start.

If you want to do something for your family that could also help boost your financial standing, check out my post on owning stock with Stockpile!

I know as single moms it can be a serious challenge to save money and get finances in order, so I hope these tips will help you get on track and make 2018 your richest year yet! 😉

A collaboration.

Don’t forget to like, comment & share!

Love always,



Own Stock With Stockpile!

Stockpile |

Hey hey!

How’s it goin’ pretty mama? Today I want to share with you something pretty darn awesome. Stockpile, a fractional stock site where you can buy, sell and invest in real stock!

Stockpile |

Own Stock With Stockpile 

Why is this exciting and why am I telling you about it? Well, let’s take a moment to think about our futures. As single moms, we struggle and work our fabulous booties off to provide the best lives we can not only for ourselves but for our kids. It’s not easy and sometimes it would be nice if we had something a little extra to contribute. Financial security is huge to any family, but especially to us single moms. With no man of the house to bring home the bacon and provide that security of work it’s all on us. We have to find ways to keep everyone alive all on our own. Wouldn’t it be wonderful if there’s was something we could do now that could have the potential to add a little bit of financial security to our family? Set our kids up for the future by only one small investment, or several? Well, there is!


With Stockpile you are automatically given a $5 gift card to help towards the purchase of your fractional stock. So this means the amount on your gift card is the amount of stock you’ll get. It’s an easy and affordable way to buy into stock from big companies! Want to own a small share of Amazon? You can! It would be a great gift for your kids on their birthday’s or Christmas, or to gift to other relatives or friends! Or just to own all yourself!


“What could be cooler for a money-minded kid than getting a gift card emblazoned with the logo of a hot company such as Apple, Tesla, or Facebook?”

– Consumer Reports


Are you excited yet? I know I am! So what are you waiting for? Get in on this hot tamale train today and get yourself a little piece of something big! You can go right here to get started!


If you have any more questions about how Stockpile works, just click the link above and check out the site! Any questions you have should have an answer in the FAQ’s.

You’re welcome & enjoy!


You know I’ve always got you 😉

Love your girl, Jess XO