Monday, April 25, 2011

Financial Planning for Expecting Single Moms

I have been trying even harder to get my finances together since I learned about being pregnant. Now that I only have a few weeks for the new baby, I have been focusing even more on the financial future of my baby and I. The one thing that I know for sure is planning is one of the best things you can do for your financial future. Your finances are even more important if you are expecting to be a single mom. These are some things that I have learned about financial planning for a single mom.

Maternity Leave:

One of my biggest current financial concerns has got to be maternity leave. Since I am bringing in the only income, how is it possible to take maternity leave? It is possible if you plan in advance, but you may not be able to take as much time as you would like.

The first thing you should do is talk to your employer about your options. Some companies do offer a short term disability program, or you can use your paid time off that you have coming from the company. Your boss can tell you everything you need to know, if he doesn't know contact your human resources department.

I do not have the benefits of having any paid time off. I started working with the company two weeks before I found out I was pregnant, and we are a small franchise operation so there were no other options either. I had to make financial plans for me, without the help of another income or paid time off. I still have not given up, I have a decent plan that will help me get through a few weeks, just not as long as I would have hoped.

Two to four weeks of maternity leave is going to be all I can do. The reason I had to shorten my leave is due to my reduced hours at work. I have been having a few problems with the pregnancy, so my hours were cut dramatically. If I had not started planning early, I would not have had the money to reduce my hours at work.

This is was what I did:

Financially Preparing for Maternity Leave When Single


If you are a new mom you may not have had to budget much before, but being a single mom means watching every bit of money that is coming in and out of your home. I think the biggest part of financial planning is your budget. Your budget should include everything that comes in and out, be sure to include even the smallest amounts.

You will want to find every way possible to save money around your home. There are so many ways that you can save money, and you need to incorporate as many money saving options into your life that you can. There are a lot of free resources available to single moms online that can help you budget.

Helpful Articles for Single Moms Trying to Budget:

Financial Tips for Expecting Single Mothers

20 Ways to Save Money on a New Baby

How to Avoid Overspending at the Supermarket

How to Save Money by Stocking Your Pantry Properly

How to be an Organized Coupon Shopper

50 Real Ways to Save Money in Your Home 

Making More Money:

Single moms have a lot of concerns about there finances, and making the money is what is important. Every single moms situations is fairly different, but we can all take advice from each other. There are things that you can do to make more money.

The first thing you may consider is getting a better education. The government is offering great grants and financial aid to help single moms get there education, so why shouldn't we take advantage of it. There is so many different options for schools that you can be a mom and go back to school. Some schools will even help you find child care assistance if you need it.

Another option is to find a better job, ask for a raise, or find a second job. This is hard for single moms to do at times, be we have to do what we have to do. This is a good option for people that have help with childcare. You do not want to work a second job just to cover childcare expenses.

Find ways to make money from home. Making money from home is a lot easier today than it was a few years ago. There is so many different opportunities such as; direct sales, freelance writing, recycling, surveys, other freelance work, and you can even find actual jobs from home that pay fairly well. This is my favorite option for making more money, because I will be able to spend more time with my baby. I will still have to work, but the extra income does help.

Helpful Sites for Making More Money:

Ways to Make Money From Home Fast, or Over Time

How to Successfully Make Money Online

My at Home Income Blog

How to Decide on a Direct Sales Company

How to Earn Money as a Stay at Home Mom

Plan for Yours and Your Child's Future:

Today is not the only important time for you or your child. As a single parent you are the one who has to plan your child's financial future as well as your own. There will be things that you need money put up for such as; school, medical, emergencies, and other things that may come up in the future. Short term and long term future planning is something that you have to consider.

You can begin your future planning by opening a savings account that is strictly for your financial future planning. Set an amount that you will put into this account every month, and continue to do this on a regular basis. It does not matter if it is only a very small amount, that is why you start now instead of when the baby gets older.

Look into different savings options that are available for you and your child. Talking to a financial adviser at your bank or local investment firm would be a great way to learn about your different options. Most of these options are for a longer term investment, so be sure you have the money that you can put away without touching it.

The above is some simple things that all expecting single moms can do to begin financial planning for there future, as well as there new babies. It does not go into details on every thing that is an option for us, but it is a great way to begin financial planning.

Sunday, April 17, 2011

More Free Baby Samples

I have found even more free samples and coupons for single mommies. This is a link to each one that I have found. I will post more when I find ones that I think people will enjoy.

Members Mark Formula Samples

Parent's Choice Formula Samples

Free Similac Diaper Bag

Free Miracle Whip Sample

Free Sample of Goodnites

Free Beechnut Starter Kit

Free Tasters Choice Sample

These are a few great samples that I thought others may like. An easy way for you to receive free samples of formula, diapers, and more is to go to the manufacturers web sites and sign up to be a member. Most of the sites will send great samples and money saving coupons.

Thursday, April 7, 2011

Worried About Being a Good Mommie

The last couple of nights I have been worried about how I am going to do at being a mommy. I ask myself questions like; How am I going to support my child? How am I going to explain his father to him? How hard is it going to be to work, go to school, and be able to spend time with my baby?, and many more questions. I know that I am going to make mistakes, all moms do. I am just hoping that I can get it all together without letting my boy down.

I think it may just be the first time mommy jitters, and being single does not help. I am so thankful for the support of my mom through all of this, she has helped me so much. I am going to take everything that she has shown me through the years, and take care of my baby the best way I can. I can't say I know what I am going to do, but I know I have been shown how to be the best mom by a very special woman. My mom made mistakes, but she was still great.

Everything happens for a reason, and I honestly believe that my baby is a blessing from God. He is the reason that I am pregnant, and he will guide me to do what is rite.

Saturday, April 2, 2011


I have been a member of Mypoints since September of 2011. I have to say that is is a great site to earn gift cards on. I redeemed my first 1650 points for a $10 gift card to Walmart, I earned these points within a couple of months. I decided to redeem this before I really looked into the points, and what they had to offer. I am now about to cash in a 7100 points for a $50 gift card to CVS. I'm sure you can see that letting the points add up, and looking at different cards available, can get you more money for your work. There is a lot of different retailers that you can get gift cards from

How to Earn Points on Mypoints:

-Web Searches
-Reading Emails
-Watching short videos
-Taking Surveys
-Signing up for offers

Most of the earning opportunities is things that you do online anyways, and you can get rewarded for your efforts. I spend an average of two minutes a day earning on Mypoints, so I think it is well worth it. I also do not shop online very often, so I lose out on earning the shopping points. For those who shop online, your points will add up much quicker. I think it is a great opportunity for a single mom to make a little extra for the time she spends online.