By Jenna Ekuban

As a single parent, a mother has to overcome all the odds stacked against them with work and family. Money is limited, expenses are increasing and your kids need you. You may have plenty on your plate at the moment. So sit back, put your feet up and relax for a while. You need some quality mommy time right now.

As a single parent, you have to work throughout the day as if you are a machine. It shouldn’t be that way! It is understandable that you are low on money and your bills keep you on your toes month after month. And possibly running low on repayments, you may have to cope with collection notices as well. No one likes to be in debt at all, you are entitled to be in a free and secure state of mind as a single mother and for the sake of the kids. There are a few things you can do to cut down on those bills and take care of your family’s needs accordingly.

It is already a hassle if you work a low-income job, and there could be a possibility that you have to work two jobs to barely save up for your monthly expenditures. Give yourself some credit, and take some time off. You can plan out your month, set a budget and limit the use of credit cards if you have one.

You can start with your monthly planning by summing up how much of you salary you will end up with at the end of the month. Organize your bills, if possible, make partial payments so you don’t have them increasing and then pay the entire amount. Set a budget for your weekly groceries, and your kids’ shopping, such as school supplies and lunch money etc.

Once you have that settled, plan out when you are going to pay off your bills. Being a single parent is as tough as it sounds, but setting a budget really adds to your work load in your day. But this is truly beneficial for you.

Suppose you are just completely out of finances and you need a tremendous amount of help. Government financial help is out there, but you have to do a whole lot of searching and contacting the right people. There is plenty of financial aid that is available, you can check out a few and see if you qualify for one.

It could be a government loan if you are greatly in debt, or you could apply for welfare if required. However, you have to look around and see who can provide you the best option. This doesn’t necessarily mean that you will be able to save up your money, but this will help you out in that crucial time in your life.

The best thing you can do is set a budget and save what ever you can, plan out your daily or monthly expenses and follow them accordingly. You can still do that while you are offered financial help from the government as well. Help is all around you, all you have to do is look in all the right places.

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