4 Financial Fundamentals Every Single Mom Needs To Know

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Hey mamas,

I’m back with another post on the subject of money and finances. This topic is important for us single moms, so in this post, I am going to go over 4  financial fundamentals that need to be on your mind to make sure you are your kids have a secure future.

4 Financial Fundamentals Every Single Mom Needs To Know

When you became a mother you realized that your children would be the most important thing in your life. You want to secure a solid future for them so they don’t have to worry or want for anything. Having financial freedom will never be easy to achieve, especially being the sole breadwinner of the family,  but there are ways to make it easier.

You want to make money and support your family, but you don’t have any ideas on how to go about it all. You aren’t a super savvy minded business person, but you are an amazing mother who would do anything to support her little ones. Here are four methods that could help you get closer to financial security.

  1. Careful Credit Cards

There will always be an emergency in your life where you need to find money quickly. Perhaps your child needs emergency surgery or your washing machine breaks down and you need to buy a new one. For these cases, you should look into 0 interest credit card offers, which are perfect for these types of emergency situations.  Hopefully, you have decent credit and will qualify for this type of card. You won’t be caught short ever again and you will always have a backup for those big life emergencies. 



  1. Savvy Saving

It is never too early to start saving for your little one’s futures, even if you don’t think you can contribute very much right now. Starting up a savings account for them right now will be one of the best things you ever did. The interest will build up over the years and your children will thank you in the long run. For birthdays, Christmases and special occasions put a small sum of money aside so that you can have peace of mind that is there for the future. I also recommend checking out owning your own stock with Stockpile.

Financial tips every single mom needs to know. | neveralonemom.com



  1. Luxuries or Long Term?

Be careful when spending money on those everyday luxuries; you might think it’s only a $5 coffee for you and a $3 juice for them, but this will add up to a huge amount of money over time. If you are interested in securing your finances for the long haul then reconsider how you spend your money.

Make sure you are well prepared when it comes to packed lunches, water, and snacks when you are out and about. You could save so much money in a year if you only bought the absolute essentials. Remember, your child doesn’t need an iPad or those trendy $60 shoes.  They may not be happy about it now, but someday they might thank you for giving them more of you and less of stuff they don’t need. 

Little boy with ice cream | neveralonemom.com

  1. Amazing Additional Income

Earning an additional income doesn’t have to be too time-consuming or difficult and it could help your family finances hugely. Do you have a secret passion for blogging, baking or crafts? Use your skills and talents to start a side hustle from the comfort of your own home.If you do everything the right way you could even replace your current income doing something you are truly passionate about.


Every mother worries about money; it is completely natural. You want to support your children and protect them from the harms of the world. By following these handy ideas you can always be prepared for those unexpected incidents, start saving for their future and even earn an extra income doing something you love. You could finally feel free again and stop worrying about your family finances.

It’s tough to be a single mom, and keeping our heads above water financially is such a struggle. So I hope you have a more confident outlook on your finances from these 4 tips. For more tips on saving money check out these money habits.

Give this post a share if you found it helpful and don’t forget to subscribe for more tips on single motherhood, managing your money, working from home, and more!

A collaboration 🙂

Much love, JessXO



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1 Comment

  1. ShiTanna Matthews

    August 4, 2018 at 7:23 am

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