Moms Making Money

It can be very tough to manage a household as a single mother, especially if you have more than one child, and your ex is behind on child support payments. The main categories that should be included in the household budget are housing, food, bills, loans, insurance, school and childcare. Medical and dental costs, transport, clothes, and entertainment are part of the budget as well. It is important to know where the money is going at all times. This way, you can set boundaries within the budget and details surrounding each category. If you aren’t usually able to do this, you need to get organized. Start by examining three months of household finances and costs. You can do this by using credit card and banking statements. Make sure you always keep these. If you can establish how much money is going toward each category, then you can find out if and where overspending is occurring.

If you follow up on your spending month by month, you will be able to determine the average amount that is being spent on each category. This way, you can establish if you exceed the average in certain categories and whether you should adjust your budget in any way. Many single mothers tend to overlook savings options within the budget. Somehow the notion of saving is lost. This should be corrected - creating a savings category within the budget can serve as an emergency fund for the family, providing an alternative to credit cards and other ways of dealing with emergency or unplanned expenses that may arise.

When you establish a budget, there is no harm in making adjustments from month to month to ensure that you are not exceeding your limits or, for example, spending more on entertainment than medical care. Comprehensive medical insurance is very expensive; this is why single moms often cover the minimum required payments. This is not a wise thing to do. God forbid, of course, but anything could happen. If you only have minimum coverage, you are likely to be refused health care if your child becomes victim to some sort of illness you weren’t prepared for. If you don’t have the money to pay for medical care, you will put it on a credit card and then have to return the money at over twenty percent interest.

Continued on the next page

It can be very tough to manage a household as a single mother, especially if you have more than one child, and your ex is behind on child support payments. The main categories that should be included in the household budget are housing, food, bills, loans, insurance, school and childcare. Medical and dental costs, transport, clothes, and entertainment are part of the budget as well. It is important to know where the money is going at all times. This way, you can set boundaries within the budget and details surrounding each category. If you aren’t usually able to do this, you need to get organized. Start by examining three months of household finances and costs. You can do this by using credit card and banking statements. Make sure you always keep these. If you can establish how much money is going toward each category, then you can find out if and where overspending is occurring.

If you follow up on your spending month by month, you will be able to determine the average amount that is being spent on each category. This way, you can establish if you exceed the average in certain categories and whether you should adjust your budget in any way. Many single mothers tend to overlook savings options within the budget. Somehow the notion of saving is lost. This should be corrected - creating a savings category within the budget can serve as an emergency fund for the family, providing an alternative to credit cards and other ways of dealing with emergency or unplanned expenses that may arise.

When you establish a budget, there is no harm in making adjustments from month to month to ensure that you are not exceeding your limits or, for example, spending more on entertainment than medical care. Comprehensive medical insurance is very expensive; this is why single moms often cover the minimum required payments. This is not a wise thing to do. God forbid, of course, but anything could happen. If you only have minimum coverage, you are likely to be refused health care if your child becomes victim to some sort of illness you weren’t prepared for. If you don’t have the money to pay for medical care, you will put it on a credit card and then have to return the money at over twenty percent interest.

Continued on the next page



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