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One of the tireless discussions in the single mom community is, “Who gets to call themselves a single mom?” 

Emma’s quick take on the differences between a single mom and a solo mom

What is considered a single mom?

So, who gets to use the illustrious title of a single mom?

Who is not a single mom

Definition of a single mom

I struggled with how to define myself as a single mom

Why do married moms want to call themselves ‘single moms’?

What about those who are “living together but separated?”

For some of us, being a single mom is better than marriage, and sometimes, indeed awesome.

What does solo mom mean?

That’s right: The vast majority of single moms are really, truly solo moms.

What is the difference between solo parent and single parent?

Bottom line: So, are you a single mom or solo mom?

Emma’s quick take on the differences between a single mom and a solo mom

Below, you will find a polite, academic picking-apart of the who-gets-to-call-themselves-a-single-mom debate. It rages on, constantly, and after 10 years of blogging about single moms (and being one myself for 12 years), I have come to this conclusion:

The argument about who is, and who is not a single mom is one of white privilege, but more about that later.

I also want to explore why some moms are abandoning the label “single mom” and opting instead to be known as a “solo mom.” 

In short: Do no split hairs over who does or does not get to call themselves a single mom, or solo mom — this sort of infighting and misery olympics only divides women and heightens any discrimination faced by women outside of “traditional relationships”

What is considered a single mom?

First, let’s agree to stop arguing about being a single mom — unless you are a married mom, or otherwise living with the parent of your kids. 

A single mom is one whose family is outside of a “traditional” family consisting of two first-time married parents living with their children. These are moms who can be considered single or solo moms:

  • Divorced moms 
  • Never-married moms who don’t live with their kids’ other parent / father 
  • Single moms by choice 
  • Single adoptive or foster moms
  • Remarried moms
  • Moms in partnership with people who are not their kids’ other parent 
  • Widowed moms  
  • Moms with 50/50 custody and otherwise involved co-parents
  • Moms who receive child support or alimony or otherwise get the financial benefit of a co-parent or partner (but are not married) 
  • Single moms with high incomes
  • Single moms with supportive family networks

So, who gets to use the illustrious title of a single mom?

This conversation has long enraged me, because it is solely designed to promote infighting among women and elevating the shame attached to the term “single mom.” After all, if you insist you are not a ‘single mom,’ but a ‘divorced mom’ because you were once married (64% of Millennial moms have a child outside of marriage, according to Johns Hopkins), the subtext of that designation is:

“I am better because my child was conceived inside of a socially sanctioned partnership, which presumes the kid was wanted and planned for, and presumes I have an active co-parent now that marriage ended — none of which apply to babies born to unmarried mothers.”

Of course, none of these perceived privileges are necessarily true — nor are the presumed hardships of moms who never married, many of whom do plan their families and do have healthy co-parenting relationships.

The keyword here, however, is PRIVILEGE. I cannot remember hearing these hair-splitting arguments made by anyone but white, privileged women, and angry, white men — the latter of whom are usually bitter dads paying a lot of alimony/child support with little access to their children

Related: 19 reasons why alimony is unfair and hurts gender equality

I am challenging the white women who go out of their way to distance themselves from calling themselves a “single mother.”

Motherhood: Addressing the Single Mom Stigma | Black Women OWN the Conversation | OWN

If you are doing socioeconomic gymnastics to get around calling yourself a single mom, you are really trying to get around a social stigma that has for centuries been attached to mostly poor, women of color.

I write about this topic in my bestselling book The Kickass Single Mom (Penguin). New York Post called it a “Smart, Must-Read.”

Historically and to this day, households headed by unmarried mothers have been majority African American, and more recently, Hispanic women, both groups of which are statistically poorer than white people, and continue to experience higher rates of giving birth outside of marriage than white women. For a very long time, we have called these women single moms, without much debate at all. Unfortunately, for a very long time, single moms have been considered social pariahs, derided by politicians and religious leaders as the blame for most social ills. That is how stigmas are institutionalized.

Today, thanks to the amazing work of feminists before us, women now have many wonderful choices on how to build our families. Financial, career, reproductive and legal rights and opportunities mean that women can now afford to chose have children without committed partners, are less likely to marry, and are more likely to initiate divorce. White, educated women benefit disproportionately from these strides in gender equality, and the numbers of white women having babies outside of marriage and divorcing are skyrocketing. Again, it is white, educated women who scramble to distance themselves from the term “single mom” — even though we all check the same “single” box when we file our taxes (though “head of household” is no more, thanks for nothing tax reform!), apply for health or life insurance, or are counted by the Census.

So, even if you are divorced, you are a single mom — no matter how much you want to distance yourself from THOSE PEOPLE who never married. If you enjoy a handsome sum of child support and co-parenting from your kid’s dad, or have a helpful boyfriend or high-paying job, you are a single mom — even if your family or financial situation does not look like what you associate happens inside the families or bank accounts of THOSE PEOPLE.

This is call for unity for gender equality, for race equality, and for just being a decent person. When you own your life and family and relationship status (because this is a conversation about STATUS) with acceptance instead of shame, you elevate all single moms, all families — and women everywhere.

26 reasons being a single mom is awesome

Who is NOT a single mom

Ladies, if your husband is away on a hunting trip for a weekend, you are not a single mom. Or even, as Michelle Obama accidentally did, you call yourself a single mom because your husband is really, really busy with his fabulous career, you are out.

And FYI, when you are a married mom and refer to yourself as a single mom you piss off a whole lot of people — people who have little or no financial help to raise their kids, or partnership that provides the emotional and logistical support that all families need. Not that you meant anything by it. But when you say that we want to kill you.

On forums and in casual conversation, I hear people (usually men – men who pay lots of child support) grumble about women (usually their exes) who define themselves as single moms. “They have no right to say that — I pay for her manicures and weekends in Cancun with her 26-year-old personal trainer boyfriend!” is the usual gripe.

If you think that because your husband won’t freaking unload the dishwasher and complains when you ask him to pick your son at his sleepover instead of watching the game, and you haven’t had sex in weeks or months and that makes you feel really bad, I am sorry for that. But you don’t get it both ways. You don’t get the financial security of a second adult living in your house, or the psychological security of knowing that if you have a brain aneurism in the middle of the night someone will drive you to the ER and then get the kids to school in the morning, or the social comfort of couples’ dinner parties and not having to face your mother’s judgement for getting a divorce —  and also get to hang with us.

[Now, you know and I know this all doesn’t apply to abusive situations.]

Because you are not here with us.

You didn’t take that risk.

Maybe you will, and maybe you will thrive in your newfound solo life. Maybe you will stay, work through a rough patch in your marriage, and never, ever regret that.

Or, maybe you will stay and be really, really unhappy — unable to share your unhappiness with your married mom friends because you all assume that the others’ Instagram personas are accurate, and not being accepted by actual single moms — moms who bristle at your self proclamation of being part of the club. Because you’re not there.

Not yet.

Definition of a single mom

Which leads us to examine what “single mother” really means. Yes, you are unmarried and romantically available. Fair enough. But “single mom” is a heavily loaded term with lots of social and political connotations. Depending on how you vote, a single mom is responsible for bearing fatherless criminals and living off of the taxpayer’s dime; or she is a saintly martyr for her children and a victim of a chauvinistic society that tells men it is OK to abandon their children by a male-dominated court system that let him way, way off the hook.

But what if you’re living in reality and fall somewhere in between? What about families where custody is civilized and shared 50-50? What if you get a fat support check every two weeks? Or the parent who is saddled with 100 percent of the responsibilities, but remarries into a supportive relationship? Or you get no financial support, but lots of logistic and parenting cooperation? What if you’re doing it all on your own, but have the financial means to hire extensive help with the kids and house? What about the married mom whose husband has a lil somethin’ on the side, lends zero help with the kids and blows the mortgage payment on electronics and poker games?

I struggled with how to define myself as a single mom

Today, I feel totally fine calling myself a single mom: I float my family financially and am the primary caretaker of my kids. If my ex’s situation were different he would gladly participate in a different way, and he very well may in the future. My status (and yes this is all about status) as a single mom because that is a fact. But would I call myself something else if I were not so very independent in my parenting?

The crux of this issue is that “single mom” carries with it at least a twinge of status in many circles — in other groups it lends serious street cred. Being a single mom can be inherently hard, and in America we uphold hard as a virtue. In most of the country, bragging rights belong to the person who put herself through college, saved up for the downpayment on his house, and never took a cent from parents after graduating high school. If you happen to have a trust fund, inheritance, or cashed in on a tech start-up, you keep your pie hole shut and keep your lifestyle in line with your middle-class friends (or go find rich friends).

Which brings us back to single mom semantics. On one hand, we could agree to dismiss the issue as a big, WHO THE EFF CARES?! On the other, the fact that this topic warrants a blog posts underscores bigger changes afoot: changes in family structure, marriage, family economics, and gender, class and money — all my most favoritest topics of conversation, but also some of the most important and compelling issues of our time. As we figure out where women and mothers fit into the worlds of work, money and politics, we need language to help us along the way.

In the meantime, how you define yourself to the world as an unmarried mother has ramifications for women and gender equality.

In my early years as a single mom, I struggled with my title — and my identity — as an unmarried mom.

Sometimes if were in a group of new people and it’s relevant, I’d mentioned that I’m divorced. That’s a fact. But I don’t want my identity to be “divorced.” Divorce is horrible, even if the net result is positive. I don’t want to spend the rest of my life labeled by an atrocious legal process. And I will not let divorce define my family.

Sometimes, in my early days as a single mom, I’d play around with “not married.” I like it because it’s accurate. It’s also fun and delightfully ambiguous, which suits me just fine at the moment.  “Are you married?” asks that judgey, annoying mom with the yoga pants and giant diamond at the school, eying you up and down. “No,” you might respond. “I’m not married.” See? Leaves her guessing. Are you a lesbian? Single mom by choice? In an open relationship? Unmarried but partnered with your super-hot Scandinavian boyfriend of 12 years? A filthy whore? She doesn’t know. And it’s none of her business. So while she’s trying to steal your mojo with her snotty question, smile coolly, pick up your kid, and leave knowing that she will now keep even tighter reins on her husband at the holiday show.

Until we iron out the details, I’ll stick with my title of “single mom.” But not too tightly. After all, to toss off a casual “I’m a single mom” can suggest a belief that you are automatically deserving of respect — an attitude that pisses off pretty much everyone.

Why do married moms want to call themselves ‘single moms’?

Not once but THREE TIMES in the past week I have received messages from married moms who want to be part of my single-mom Facebook groups (join Millionaire Single Moms, BUT ONLY IF YOU’RE AN ACTUAL SINGLE MOM!).

Here is one:

Hi Emma! I’m not technically a single mom, but can you please add me to your groups? My husband hardly does anything at all around the house, I manage the finances, run the kid around and work a fulltime job!

My answer?

Uh, no?

P.S.: No. Buh-bye.

And by the way: Are you fucking kidding me?

Any single mom will tell you how we bristle when a married mother casually calls herself a “single mom” because:

a) her husband is out of town on a golf weekend.

b) works all the time.

c) doesn’t do his share at home or with the kids.

d) has checked out of the marriage and makes her feel fat, old and unattractive.

Those scenarios may indeed be very hard. Painful, frustrating, hurtful, lonesome, unfair and bad examples for the kids.

I feel for you. I also identify with you. I used to be married. It wasn’t so great for me. My marriage was indeed hard, painful, frustrating, lonesome, unfair and a bad example for the kids. But the marriage ended. I got out, and I found a new life. For me, single motherhood has been pretty great. It is for a lot of people, maybe especially women, so many of whom I’ve met whom THRIVE in their newfound independence and are forced to find their way financially, logistically, romantically and as parents.

What about those who are “living together but separated?”

If you and your husband are technically still married, but have committed to separating, or are even legally separated, but are living together for financial or other practical matters, I say you are a single mom. After all, you have to co-parent with someone you are not romantically involved with, and will be divorced soon (you hope, right?).

Most moms, FWIW, report this is hell. Says Brenda:

“I lived in the marital home during the divorce process and 2 months post divorce until I could close on my new house. (Sellers market here and I had to agree to settle on their desired date). My attorney claimed that I was more agreeable with settlement agreement because of the living situation. I don’t completely agree, I was fair. I asked him to move to guest room and he didn’t. I refused on grounds I had more clothes and bathroom stuff to move. So we slept back to back like we did for years anyway, no real difference other than there was an end in sight.”

Jessica:

“Lived with mine for 6 months, while he was dating his affair partner. It was a nightmare. We definitely lived separate lives and do what we could to give each other our space when it was our time with the kids (which for me, at the time, was 90%). If it was up to him he would have stayed like that. I actually had to wait until he went away for a weekend to move out because he lost his mind anytime I brought it up. Things are significantly better now that we are in separate houses and co-parenting with him isn’t so bad.”

And Erin:

“My ex and I separated in Oct. and lived in the same house for 2 months and then he went crazy and tried to kill me. So I’m not a big advocate for cohabitating. But my situation is hopefully not normal!”

For some of us, being a single mom is better than marriage, and sometimes, indeed awesome.

Anecdotally, I don’t know so many really happy marriages, and scholars have found the same. Per Rebecca Traister’s very excellent bestselling All The Single Ladies:

Psychologist Ty Tashiro suggested in a 2014 book that only three in ten married people enjoy happy and healthy marriages, and that being in an unhappy partnership can increase your chances of getting sick by about 35 percent. Another researcher, John Gottman, has found that being in an unhappy union could shorten your life by four years.

A recently published Stanford study found that women initiate divorce 69 percent of the time.

In other words: Married mom desperate to hang with single moms: You are not alone in your marital misery. You’re good! Normal! 

Meanwhile, single motherhood is losing its stigma, so much so that all these married moms go around flaunting faux singlehood! The “traditional” nuclear family with married parents and kids now constitutes the statistical minority of American households, with single-mom led homes constituting the majority of the remaining portion. Further, and somewhat astonishing, the MAJORITY millennial moms are unmarried.

That is right: Single mom-led families are on their way to being the majority.

Statistically, it is economically tougher to raise kids without a spouse. It can be scary, stressful, socially isolating, lonely, painful and worrisome. But with 10 million single moms in the United States, you probably know one or 20 who are thriving, fully embracing the economic, educational, sexual and social opportunities afforded women in this country today. It might look pretty good.

To which I say:

Hey married mom: Maybe you sense that single motherhood will be awesome for you, too. But no matter how sad you are, how alone in your marriage you feel, you do not 100% have to be financially, romantically or logistically independent. Because you are not. Because you are married. Because you have not taken the risk to go at this family thing without a spouse.

That is OK. Really, it is fine. You are there, and we are here. I’m OK, you’re OK. But you don’t get the benefits of commiserating with an amazing tribe of women who, every single day, get up every morning, earn a living and support a family financially, logistically and face the prospect of lifelong solitude while schlepping it to the gym and squeezing into that size 6 pair of skinny jeans and braving the wondrous and terrifying world of dating in 2016 — all while hugging and rocking and yelling and encouraging and singing to and laughing with and scolding their children every day.

And yes, that is what it means to be a single mom today: less than a quarter of dads who do not live with their kids are actually involved, and about as many moms receive any kind of financial support from their children’s fathers.

What does solo mom mean?

Sometimes I hear from women who insist they are not single moms, but solo moms. They want to make clear that they are in fact suffering/stronger than/ their struggle is more real than other women who parent outside of a traditional heterosexual, married, cohabitating relationship. 

Enough already.

Solo moms and single moms are the same thing.

Moving on ….

That’s right: The vast majority of single moms are really, truly solo moms.

Nearly 3 in 10 kids today are growing up in a separated family, and more than 80% of those kids live primarily with their moms — 20 million of us. This does not mean that the other parent / father is MIA, or does not want to be involved, or is not a 50% parent, or has fought through family court to be more involved. You can read more about the gender-equality benefits of equal parenting, as well as the child welfare benefits of equal parenting in my work.

My own research found that 51% of single moms have their kids in their custody 100% of the time, and 36% have them the majority of the time. That is a lot of solo moms, who of course are really also single moms. 

What is the difference between solo parent and single parent?

Typically this debate of solo vs single parent comes down to this:

Solo moms say that they have no co-parent at all. They are solo moms by choice, or their kids’ other parent is otherwise not at all in the picture.

Single moms are all other unmarried moms. 

Worth reading: Washington Post: “Why I Can’t Call Myself a Single Mom”

Bottom line: So, are you a single mom or solo mom?

Instead of engaging in the misery olympics and humble bragging about how much support you do not have raising your kids, let’s all agree that there is a wide and flexible definition of single motherhood, and we can all benefit from redirecting our energy to supporting one another, advocating for policies that benefit all families (affordable child care and health insurance, paid family leave, equal parenting policy), and lay off the symantics. 

What is the difference between solo parent and single parent?

Solo moms say that they have no co-parent at all. They are single moms by choice, or their kids’ other parent is otherwise not at all in the picture. Single moms are all other unmarried moms.

There are many reasons why you may need to build your credit fast: You want to get out of debt faster, buy a car or a home, need to rent an apartment, qualify for a loan for school, business or a home renovation. 

Thankfully, building credit, or fixing a bad credit score, is easy — but it takes time, patience and diligence.

If you do not have any recent credit history, you can build a good credit history with the credit rating company FICO, within six months.

To quickly improve your credit score now:

  1. Consider secured credit cards. A secured credit card requires you to put down a cash deposit to secure your own credit line — and as long as you make regular charges, and regular payments on time, your score will increase quickly.
  2. Check your credit report online for free with AnnualCreditReport.com. This government-approved website lets you get a copy of your credit report from all three credit bureaus — Experian, Equifax, and TransUnion — once per year.

Keep reading to learn:

How can I improve my credit over time?

  1. Keep an eye on your credit score and report.
  2. Get a co-signer with good credit for a regular credit card. 
  3. Become an authorized user on the credit card of someone with good credit.
  4. Be a good credit user.
  5. Make all your monthly payments on time — all of them!
  6. Pay down high-interest consumer debt.
  7. Don’t open too many new accounts.
  8. Keep old credit accounts open — even if you’re not using them.
  9. Dispute inconsistencies and errors on your credit report.

FAQs about credit, credit scores, and credit reports

FAQs about credit reports

FAQs about credit scores — what they mean and why they matter

How can I improve my credit over time?

Here’s how to build your credit systematically:

1. Keep an eye on your credit score and report.

Staying on top of your credit score doesn’t need to be difficult or time-consuming. A number of websites offer free credit monitoring services that let you check your credit score for free, and many will even send you an update or notification whenever your score changes or if suspicious activity (such as a new account being opened) is detected.

Credit scores are categorized into distinct ranges, with scores below 580 generally considered an area for improvement. A credit score of 510 falls within this range. So, is 510 a good credit score? The answer is that it may limit your immediate access to loans or credit cards with favorable terms.

Private Student Loans and Single Moms: Worth The Risk?

However, every score is a starting point, and consistent positive financial habits can lead to growth. As your score improves, reaching 700 or higher opens up opportunities for regular, unsecured credit cards with benefits like no annual fees, robust rewards systems, and other perks associated with a strong credit profile.

2. Get a co-signer with good credit for a regular credit card. 

If your parents, partner or friend has a long and happy credit history, ask if they will co-sign for a credit card. Their good credit will affect your credit.

3. Become an authorized user on the credit card of someone with good credit.

Could be a parent, friend or trusted mentor. 

4. Be a good credit user.

The best way to boost your credit score now, and in the long-term is to be a good steward of your credit. Keep the total borrowed at 30% or less of the credit limit.

5. Make all your monthly payments on time — all of them!

The most important factor that makes up your FICO score is your payment history. As a result, you need to make it a priority to make all your monthly bills on time. This includes credit cards, utility bills, your car loan, and any other bills you have.

If you’re considering using credit cards as a tool to build your score, remember it’s important to choose an option that fits your current circumstances—especially if you live outside the U.S. For those in the UK exploring ways to improve their credit profile, there are dedicated resources addressing how UK credit cards can support building and repairing your credit history while offering protections unique to UK financial regulations.

6. Pay down high-interest consumer debt.

The second most important factor that makes up your credit score is how much money you owe in relation to your credit limits. High credit utilization tips lenders off that you could be a high-risk borrower. Keep your credit utilization below 30% at all times, and you should see your score rise over the long haul.

Read: How to pay off debt (even on a low income)

7. Don’t open too many new accounts.

While it can be tempting to open new credit cards accounts to earn airline miles or cash back, try not to open too many. Each new card places a hard inquiry on your credit report, and each hard inquiry can hurt your score. Opening a lot of new accounts can also reduce the average length of your credit history, which can also negatively impact your credit health.

8. Keep old credit accounts open — even if you’re not using them.

Also make sure you’re not closing older credit cards that aren’t in use. Each card you keep open can make your credit history seem longer, and this can help increase your score over time.

9. Dispute inconsistencies and errors on your credit report.

When you get a free copy of your reports from AnnualCreditReport.com, make sure to scan them to check for incorrect information that could be hurting your score. If you find errors or downright lies, make sure to dispute them via the formal process offered by the Federal Trade Commission (FTC).

You may choose to hire a credit repair company to do this for you.

FAQs about credit, credit scores, and credit reports

What is credit?

Credit is so important, but few people really understand how it works. A good or better credit score can save you hundreds of thousands of dollars over the average person’s lifetime, give you access to cash to buy a home, get an auto loan for a car, finance a business, and get out of debt faster and cheaper. Studies even find that a low credit score reduces your romantic prospects. Facts.

Thankfully, I have always had a high credit score and a clean credit report. This has allowed me the following benefits:

  • Bought my ex out of our apartment when we divorced — at a very competitive interest rate
  • Bought a new car when my old one died
  • Earned a $0 credit card to float some business expenses when I was starting my media company
  • Snagged some successful boyfriends who cared that I had my financial act together

There are all kinds of reasons your credit score may be low — or even average, though of course you want it to be as high as possible. A divorce, business that went south, natural disaster, prolonged illness or unemployment, credit theft or any other number of.

But … what exactly is credit? Credit is simply your ability to borrow money. This could be from a bank, credit card company, student loan financer, car loan underwriter — or even a friend or family member. The terms of the credit are affected by the likelihood of your ability to repay any loan or debt. These include:

  • Your history of paying bills on time
  • Credit: debt ratio, or the amount of debt relative to the amount of credit you have — 30% or less is ideal. In other words, if a credit card gives you a $10,000 limit, try to keep your credit balance at $3,000 or lower.
  • Length of credit history. Many people, especially younger adults, have a low credit score simply because they do not have a recent history of borrowing and repaying money.
  • Type of credit. A mix of installment (like a car or home loan) and revolving credit (like a credit card) is ideal, though type of credit accounts for just 10% of your credit score).
  • Number of credit inquiries. An inquiry includes when you apply for a loan or credit card, and any interested lender sends a message to the credit bureaus inquiring about your credit history.

What is considered to be good credit?

Credit scores range between 300 and 850.

The higher the score, the more likely a lender will give you a loan, at a low interest rate, because you have proven to be likely to pay back the loan according to the terms.

A credit score of 700 or higher is considered “good.”

A score of 800 or higher is considered “excellent.”

Most credit scores fall between 600 and 750.

Why you can’t have good credit without good financial habits:

Why is having bad credit a big deal?

FICO is the most widely used credit score, and it ranges from 300 to 850.

Generally, a score below 550 is bad news, and anything above 750 is golden.

If you’re in the middle, you’ve got some leeway, but the higher the better.   

Crummy credit can keep you from getting the things you need to get ahead — or even just caught up — in life.

In some cases, employers run credit checks on potential hires.

If you need to get a mortgage to buy a home (or refinance your mortgage to keep your house), get a car loan, get a student loan, a good rate on insurance, or a line of business credit, you may find that you need a boost in your credit score to get what you need.

The higher your score, the better the chance of reaching your goal, and the lower the interest rate, which means the less you will have to pay back on the debt.

Can you imagine nailing an interview at your dream job only to lose out in the end because your credit isn’t good enough?

In extreme cases, it can affect where you lie your head at night. Many landlords run credit checks.

There are people in nearly every town in America paying hundreds of dollars a week to live in hotel rooms because their credit isn’t good enough to get even the most basic apartment.

That’s terrible, and it’s a destructive cycle because when you’re paying that much just to have a bed, it’s even harder to climb out of a hole and start repairing your financial situation.

What is considered to be bad credit?

A “low” credit score is any score below 620.

Poor Credit is 600-649.

Bad Credit is below 600.

Poor credit can be owed to:

  • No recent history of using credit
  • Late bill payments
  • Maxing out credit limits

How can I  get a loan with bad credit?—and why you can’t afford it

While having a great credit score can make your life a whole lot easier, the opposite is also true. A bad credit score can make your life harder and more expensive. That’s because bad credit makes it more difficult to qualify for a loan for a car or mortgage, or even qualify to rent an apartment. If you do qualify with bad credit — you’ll typically pay a much higher interest rate and more fees.

But what is a bad credit score? According to myFICO.com, poor credit is typically considered any FICO score of 579 or below. However, you may also struggle to live the life you want with “fair credit,” or any FICO score between 580 and 669.

Bad credit can affect your life in more ways than one. Here are some examples:

  1. Loans for people with bad credit tend to come with insanely high interest rates that make paying them off expensive and difficult. This is especially true for bad credit loans with guaranteed approval — if a lender agrees to approve you no matter your credit history, there’s a good chance you’re going to pay very high rates.
  2. If you plan to apply for a personal loan with bad credit, here’s what you have to look forward to: Bad credit loans can come with ongoing interest rates as high as 35.99% APR. On top of that, you’ll pay an origination fee of up to 5% of your loan amount! However, by exploring options, you may also be able to find low-interest personal loans that offer more favorable terms, helping you avoid excessive fees and high rates.  
  3. Car loans with bad credit are just as bad. Bad credit at car dealerships tend to offer a very small selection of cars you can get access to with a “buy here, pay here” scheme. This means they offer in-house auto financing, which is convenient but expensive. Auto loan interest rates can be exorbitant at these dealerships since they’re taking a huge risk that you won’t repay your loan. Before you go car shopping, check auto loan rates online with LendingTree.
  4. Home loans for bad credit exist, but they tend to make you jump through more hoops to qualify. You can get an FHA home loan with a credit score as low as 500, for example, but only if you put 10% of the purchase price down. If your credit score is at least 580, on the other hand, you can get an FHA loan with only 3.5% down.While FHA loans aren’t really considered bad credit mortgages, they do require you to jump through some extra hoops. You must pay upfront mortgage insurance upfront and for the life of the loan, for example.
  5. Renting with bad credit is also not for the faint of heart. Potential landlords will want to check your credit report before they approve you as a renter, and they may deny you outright if your credit is bad — or require you to get a co-signer for your loan. Apartments or houses for rent with bad credit are also not as readily available as units for people whose credit is better.
  6. Startup business loans with bad credit also exist, but their terms aren’t very attractive. If you’re wondering how to get a business loan with bad credit, the answer is simple — plan to pay exorbitant interest rates and fees.
  7. Emergency loans for bad credit are also sketchy — and that’s especially true when it comes to bad credit payday loans. Without exception, you should stay away from payday loans since they can charge interest rates as high as 400% and leave you stuck in a payday loan cycle that can be hard to break.

How can I fix my bad credit myself?

Your credit score may be low for all kinds of reasons — some may not even be your fault. The good news is that credit is never ruined forever. Here is how to fix your bad credit, and repair a low credit score:

1. Review your credit history at Equifax or TransUnion.

2. Dispute any errors, late payments, lines of credit that are not yours, duplicate accounts, and accounts that should have aged off the report. You may choose to hire a credit repair company like The Credit People to do this for you.

3. Increase your credit limits. One of the most important factors of your credit score is credit utilization — or the percentage of credit that is available to you that you actually use. In other words: Don’t max out your credit cards. Since your credit utilization is calculated across all your lines of credit, by increasing the difference between your credit balance, and the credit limit, you will quickly improve your score. You can improve your credit utilization by:

  • Call your credit card company and ask for your limit be increased
  • Pay down any debt
  • Open a new card. Even if you don’t use the new card, that new limit improves your credit utilization score — and therefore your score

5. Ask for a co-signer with a good credit history — or ask that friend or loved one to make you an authorized user on their card.

6. Keep paying those bills on time! (but you knew that)

How to build business credit fast

If you have your own business, you may need a business credit card, business loan, or to sign a lease, or get a car loan under the name of your business.

While one may influence the other, your business and personal credit scores are considered separately.

  • Incorporate and establish your business. I incorporated into an S Corp through LegalZoom. That will provide you with an EIN.
  • Establish your business with its own P.O. box or other mailing address, phone number, business checking account.
  • Check your business credit reports for errors. Scan the report for the correct address, ownership information, debts, liens, bankruptcies, and sales figures.
  • Establish trade lines. These are lines of credit with your vendors. Pay on time, and make sure these lines are reported to the credit bureaus.
  • Pay on time. Every time. Even early!
  • Build your personal credit history and score.

FAQs about credit reports

Thankfully, there are federal laws that protect consumers, and ensure you have access to your credit report, credit score, and all information potential lenders can see about your borrowing history. Legally, you also have the right to dispute all errors on your report. In other words: when it comes to credit, the law is on your side.

To start to understand your own credit history and score, start by pulling a free credit history, which will also have a credit score. I go into detail about what a credit score is and how the report works below.

The three major credit reporting agencies, Experian, TransUnion, and Equifax, all provide credit scores and reports, but in slightly different ways:

Equifax offers several credit protection and monitoring programs. For a fee of $14.88 per month, you can get both your FICO and VantageScore credit scores and credit reports.

Experian uses the FICO 8 credit score system. For a fee starting at $24.99 per month, you can get the Credit Tracker subscription, which allows you to monitor your credit score, and get your credit report.

TransUnion will also provide your credit score and report for a monthly fee, but also provides its free TrueIdentity credit lock program, which lets you monitor your credit activity and lock your account.

How to get a free credit report

Today, most banks, credit unions and even credit cards provide a free credit score for free, automatically. You can also get a free credit report, with all the details of your credit history, once per 12 months, for 100% free, from annualcreditreport.com, which is authorized by federal law. People often ask if it is safe to use annualcreditreport.com, since you must share your social security number and other important identifying information. The answer is: Yes, it is safe to use this service, which is tightly monitored by the three reporting bureaus that support the site with their credit scores and reports.

How to read a credit report

Now that you have your credit report, what does it all mean?

A credit report typically has six parts:

1. Personal history. Check to make sure your name, social security number, birth date, address and other information is correct.

2. Employment history. This helps confirm your identity. Make sure that it is accurate and up-to-date.

3. Consumer statements. This is a record of when you have challenged or disputed charges and other credit information in the past.

4. Account information. This is where the juice is. Check and double-check to make sure this information is correct, rightfully attributed to you (and not someone with the same name), and up-to-date. Account information includes:

  • Open accounts
  • Closed accounts
  • Dates accounts were opened or closed
  • Payment history
  • Credit utilization
  • Current account balance
  • Loan payment status

5. Public records include bankruptcies, foreclosures, tax liens and civil judgments.

6. Hard inquiries, or requests by a bank or another financial institution about your credit history. If you see credit inquiries that you believe were not intended for you, dispute this.

How to freeze your credit report

If you are a victim of identity theft, if your mail or financial passwords have been compromised, or perhaps you are going through a breakup with someone who you think may take advantage of having this information, consider freezing your credit report.

When you freeze a credit report, creditors — or hackers — can’t access your credit score or report unless you give them a PIN. However,  current lenders can. It is now free to freeze your credit, and lift a freeze. You have to contact each of the three reporting agencies individually:

FAQs about credit scores — what they mean and why they matter

What is a credit score?

Lenders use a few different types of credit scores to measure your creditworthiness, including VantageScore credit scores and the FICO score model. The reality, however, is that 90% of top lenders rely on the FICO score over other types of scores.

What is a FICO score exactly? Your FICO score is a three-digit number between 300 and 850 that represents your credit health. The higher your credit score is, the better off you are.

Generally speaking, FICO breaks down their scores into the following categories:

  • Exceptional credit is any score over 800. Scores in this range are higher than the national average, and consumers with excellent credit are very likely to be approved for loans and other types of credit.
  • Very good credit is any score between 740 and 799. Consumers with scores in this range are very likely to get approved for the loans they want with competitive interest rates.
  • Good credit is any score between 670 and 739. Borrowers in this range are typically considered “acceptable,” and they may or not may get approval for loans with the best rates and terms.
  • Fair credit includes scores between 580 and 669. If your credit score falls in this range, you may be denied for credit cards and loans. If you do get approved, you will likely pay higher fees and a higher interest rate.
  • Poor credit is any FICO score that is 579 or lower. People in this range are usually denied when they apply for unsecured credit cards or loans.

The details above probably have you wondering something — what is the average credit score anyway? According to credit reporting agency Experian, the average credit score was 704 last year. This means most Americans have “good credit,” although there are plenty of folks who fall on both extreme ends of the spectrum.

Another important thing to remember — there are three main credit reporting agencies that dole out credit scores. Credit bureaus include Experian, Equifax, and TransUnion, and each one of them may assign you a different credit score than the next. This means you have three FICO credit scores from the three credit reporting agencies, even using the same credit scoring method.

Why your credit score matters

I’m not saying credit is all doom and gloom — not at all. I’m simply sharing the many pitfalls you’ll need to avoid if you choose to use credit cards. There are actually quite a few ways you can “win” the credit game without getting into debt or ruining your credit score, too, so don’t be discouraged.

Believe me, your credit score matters more than you think. If you’ve ever tried to take out a mortgage, borrow money for a car, or rent an apartment, then you already know.

Like it or not, lenders, landlords, and businesses use your credit score and the information on your credit report to determine whether to work with you. If you have “poor” credit or even “fair” credit, you may not qualify for the home loan, a car loan, or apartment you want. If you ruin your credit and don’t take steps to improve it, you could be renting a crappy apartment or living in your parent’s basement until the end of time. Who wants that?

This guide goes over what a credit score is, how to check it for free, and how to raise your credit score quickly. We’ll also go over how credit cards work, how to get one, and how to use a credit card to build credit over time.

Some of the topics we’ll cover are boring, but they’re important to understand if you don’t want your life choices severely limited by poor credit. Keep reading and we promise you’ll learn something you didn’t know before.

20 scholarships for single moms

How to check your credit score

If your goal is improving your credit, it’s crucial to find out “where you’re at.” This means running a credit score check through a credit score estimator or signing up for a service that lets you get your credit score free.

Do you need a free Equifax credit score? A free TransUnion credit score? Probably not both. The point is getting some sort of estimate of your credit score so you know where you stand and if you need to take steps to improve.

Ready to face your credit score? Here’s what we suggest:

  • Check your credit report online for free with AnnualCreditReport.com. This government-approved website lets you get a copy of your credit report from all three credit bureaus — Experian, Equifax, and TransUnion — once per year.
  • Check whether any of your credit cards offer a free credit score on your monthly statement. Many popular cards and card issuers do, including Discover credit cards. Capital One credit cards also come with CreditWise — a free service that lets you track your credit in real-time for free.

While the numbers are not confirmed, experts agree that divorce rates among parents with special needs children is far higher than the general population. And since single moms of special needs kids have challenges and joys that other moms  — single or otherwise  — do not.

Kim Thompson, a single mom of two boys, ages 7 and 13, ages who lives in New York City, has struggled with her son’s autism (and other diagnoses) first as a married mother, and now as a single, divorced mom. Because of her younger son’s special needs, she has put her career on hold and cares for him full-time at home.

Challenges and wonders of parenting a special needs kid as a single mom

Full transcript of Like A Mother podcast with guest Kim Thompson

Challenges and wonders of parenting a special needs kid as a single mom:

  • The #1 challenge single moms of special needs children face.
  • What dating is like as a mother of a disabled child. “I want to feel like the amazing woman I am again!” Kim told me.
  • How to be a supportive friend of a mom struggling with a special needs kid.
  • What it feels like when friends fade away because of your family.
  • Why ‘Just hire childcare’ is the wrong thing to say.
  • The thing that makes a single mom of special needs kid feel most cared for.
  • The financial realities of the situation — including insurance.
  • How her son’s disability contributed to her divorce.
  • YOU think you don’t get a break?!
  • Kim’s top advice for single moms with special needs children.
  • How much Kim loves and DELIGHTS in her special needs kid

Single moms can apply for and buy term life insurance online, and with a guarantee of no medical or lab exams.


Can a mom of a disabled child find good men to date?

Hey single moms, don’t google ‘date a single mom.’ Trust me, don’t.

Also: Don’t trust google. Because there is so much negative messaging out there when it comes to unmarried moms and romance: Only losers and pedophiles want to date you. You are a selfish whore if you take a moment away from your children to have a romantic life. You must get married ASAP to be a good role model for your children.

To all of which I say — hogwash.

I’m here to tell you: There are so many wonderful, loving, successful and attractive men who are open to if not actively interested in women who are moms. Honoring your romantic, sexual and emotional needs is a gift to your children, as you are modeling a healthy, full life, and relieving them of the burden of fulfilling your emotional needs. Sure, get married or otherwise partnered. But only if you really want to! Lord knows the nuclear family model didn’t work out so great for most people.

All the negative messaging around single mom dating is amplified, it seems, for single moms of special needs children. Here, I tread carefully because I am fortunate that my children are not special needs. After all, I get very much that there are real challenges of dating as a single mom, and those challenges are amplified, often, when your kids demand so much more of you than healthy kids. It is just a fact. In Australia, families navigating these demands can access structured support through NDIS OT Narre Warren, where occupational therapists work with children with disabilities to build independence and ease some of the daily pressure on primary caregivers.

So when a mom posted this comment, I paused. Here is our conversation:

Mom: I admit I went for sole custody when I divorced, mostly because my son has non-verbal autism and can’t be shifted around from house to house constantly. My son is difficult at times. The ex chooses not to use visitation at all. It miffs me because I’d like a break now and then. I’ve made peace with never having a romantic relationship again. That’s impossible when you have a child with special needs. No one wants broken, old, fat, ugly, and damaged goods, but I’d like to be able to go out and see a movie once in a while. Such is life. One day it will be over and I’ll finally be rid of this misery.

Me: I appreciate your situation, though there is a wonderful guy (or 20!) out there for you – get out there!

Mom: That is not how life works. I appreciate you have a brand to uphold and an image that goes along with it, but you are doing a disservice by making proclamations like that. I do not know anyone in my situation who has ever found love again. Have a child with special needs makes you unmarketable to all but the worst sorts of leeches, abusers, and scum. I will not expose my child to that.  Do not give people false hope. It’s morally wrong.

Best dating sites for single moms

Isolation and loneliness of single moms of disabled children

There is absolutely nothing inspiring about this post. In fact, for mothers with really severe situations, this is borderline shaming. Stick to writing about subjects you know something about – or at the very least, properly research your topics. This is truly horrible. You have made a very vulnerable subset of single mothers feel even worse. You should remove this horribly inaccurate and insensitive post. For a certain subset of us, our kids are so severe, there is no sitter available. There are months on child psych wards. There are astronomical expenses. This post may reflect possibilities for the less severe special needs situations, but it’s actually offensive to minimize the situations you clearly know nothing about. Beyond offensive.

I took that to heart. After all, I don’t have a special needs child, and my knowledge of the subject is from the periphery. I asked this poster for more information about her situation, and why romance, sex and love is out of the question. Here is a summary of our exchange:

Me: Can you elaborate in a way that would want me to engage? I am all ears – really. I clearly have no personal experience with this. That is why I reached out to this community. I say the following with zero shaming, but simply sharing what I wonder: Objectively, we put a man on the moon. Smallpox was irradiated. Other, incredible human feats. People of all kinds of disabilities, challenges have found beautiful love and romance. Why are you prohibited from this? Here is where I’m having trouble understanding: Could you find, say, three hours per week, or every two weeks, to go on a date? Could one of those dates lead to love, companionship, a lover with a man whose life fits yours in a way that satisfies you both? Does romance have to mean full-time, traditional marriage- or something that works for both parties?

Mom: I have a 15 year old son, who is severely disabled. He will always be severely disabled. I adore him. He amazes me. No one in my life has ever loved or respected me the way he does. I didn’t know who I really was until he was in my life. He made me the best version of me. I am truly lucky and privileged to have him as my son.

That being said, because of his disabilities, my life is unique. I will do my best to adequately describe our life. In order to do so I will need to share some graphic details. I made a commitment to him years ago that I would ALWAYS insist he is treated with dignity. No exceptions. I take this commitment very seriously.

My son has severe, nonverbal autism, debilitating obsessive-compulsive disorder, bipolar mania, two inoperable brain tumors, severe epilepsy and possibly schizophrenia. He will never be able to speak, but he understands everything that is said. His receptive language is normal. When regulated, he can communicate with an iPad, yet he always makes his wants known, even without the iPad.

After 12 years of educational court battles, surgeries, child psych hospital stays (many), thousands of hours of therapies, consultations and treatments with physicians across the nation, I could no longer keep him at home. I had to place him in a residential facility two states away. The facility costs $354,000 per year and is paid for by the federal government.

Therefore, I travel to his city every third weekend and spend four days with my son. At Christmas and spring break I’m there for a week, Thanksgiving four days and he comes home for two weeks each June. Emotionally, he’s similar to a 4-year-old, so this distance is difficult. He adores his family, and depends greatly on my protection and care.

The difficult behaviors that accompany his various diagnoses are overwhelming. He has come so far, yet there’s only so much progress an individual can make with these chemical and neurological challenges. For instance, last year he began lashing out at individuals for no apparent reason. 2 staff members were treated for severe bites, 1 staff member for broken bones and I received stitches twice, lost the windshield of my car, and was covered in bruises over the course of one weekend. He and I ended up in a psych ward (he can’t stay without me per the hospitals) for a week. During this week we discovered he had a brutal case of hemorrhoids. They never bled, and he had no way of telling us, so we didn’t know. He ended up having surgery, and he immediately returned to his normal soon thereafter.

We had his seizures under control, then puberty started. Now we are adjusting seizure medications a few times a year, as his chemistry changes so frequently due to puberty. These changes typically require a week in the hospital.

Once he became so angry with himself at school he slammed his face against a nearby cabinet and knocked out 6 teeth and broke his jaw. That required 3 additional trips for me. Situations such as these occur at least annually.

Early on in this game, I reached out to every family I heard of in my position. I quickly realized I could choose one of two paths; the path of purpose, or the path of a victim. I chose purpose. Don’t get me wrong, I hate my son’s suffering, but as long as I stay on the path of purpose, his life will have quality and at least some joy.

Most people don’t understand this type of life, and I get that. I could have never imagined this prior to living it. This isn’t Down’s Syndrome – and I’m in no way minimizing those struggles – simply comparing the day to day volatility. Admittedly, I have gone to pity city a few times. But I never stayed there.

I worked for 20 years prior to having children. I had the career. I was on that path. I loved that path, and I would have never quit working, if possible. Since I quit working, I am not respected. People view me as a typical stay at home mom. While I don’t see anything wrong with a stay at home mom, apparently most do. Being type A, these opinions bothered me for quite awhile. I worked hard, emotionally, to stop caring about these opinions. Yet every once in awhile, a comment can still nail me. The majority of the time, I’m proud of my path, but it’s lonely being the only person who truly gets it.

I am blessed to have a few great girlfriends who “take me” when I’m available. They are incredible. They and my family help me a tremendous amount with my neurotypical daughter, so her life has consistency and value. My daughter is a strong, caring kid with a good life.

Would I like a relationship? Fuck yes!

Men my age want to start traveling – most of their kids are college age. I’m so limited here. I’m the only parent, and I have the contingent of my son’s impromptu care out-of-state.

No one wants my situation. No one.

I’m lucky. I have a few bucks, so I don’t have to work, although I’d love — for both the extra income and the companionship. I’m not giving up on work – but it will have to also be unique to fit into my life. Most people don’t respect my purpose, including prospective dates.

While I have a few bucks, I’m incredibly cautious with it. Especially with our current
administration. They are threatening every dime given to disabled individuals. Most people don’t realize that at age 22, the cost of a disabled person is 100% funded through Medicaid. For most, Medicaid means healthcare. For the disabled it’s healthcare, housing, etc. if the current administration is successful with their Medicaid plans, my son’s entire adult life will be on my dime. The current estimate of my son’s adult life is approximately a few million dollars. While I’m not looking for anyone else to supply this, it greatly affects what I’m willing to spend, share and it will most certainly affect my retirement age lifestyle. Want to see a man run really fast? Explain this to him!

I will never truly be done raising kids. Jimmy will always need me. Always. I could go on dates. What I can’t do is find a lasting relationship. And honestly, I don’t blame anyone for avoiding my life. I am not a victim, and I am not miserable. However, I wouldn’t choose this path. I’m simply making my life the best it can possibly be, in spite of my circumstances. Just going on dates with no hope of a lasting relationship is not fun.

I suppose this blog post hit a nerve because it felt like more judgment. More unfair assumptions. I’m lonely. I’m so damn lonely I ache. I realize I probably wouldn’t choose someone in my position either, but that doesn’t make me feel better. My circumstances are no one’s fault – they simply are. It takes constant work to stay happy in the midst of this much loneliness, so for someone to imply I could somewhat easily have a relationship but choose not to – that smarts. It also felt like I once again found a group I enjoy, but because of my unique life, I don’t fit in. More loneliness. It’s not easy going through life alone – but I’m doing it and hopefully I’ll find a way to stay happy while doing it. I’m aware of my limitations, and I need to stay away from people who judge me. I simply don’t have the capacity for that anymore. Me: Thank you so much for sharing your story. What you write is so beautiful. It is honest, heartbreaking, lovely, humble, shocking and universal. Yours is a story worth writing about, and I am honored you shared it with me. Thank you. I stand by what I wrote. There is romantic love out there if you are open to it. Romantic love is not an elusive, precious commodity reserved only for the young and physically ‘perfect,’ with uncomplicated lives. Love is messy, complex, unpredictable. Now that your son lives in a facility, you have free time (a giant challenge for many moms in dating). You say you have sufficient money (again, critical challenge for, pretty much 99% of people in the world). You suggest that your age is a hinderance in romance – oldest self-limiting belief in the history of (wo)mankind. You have emotional demands that most people do not- though this subjective, as, perhaps, your bandwidth for emotional superheroism may (and sounds like!) be far higher than many people are able to deal with in an ‘normal’ everyday life. Insanely, seemingly impossible things happen every single day. That there medical marvels mean your son is alive, and cared for, and that outrageously expensive care is paid for, that you are not bankrupt because of that care is goddamned fucking MIRACLE. That you are so insightful and gorgeous in your dealing with your family is no short of other-worldly. The notion that a kind, smart, sexy, lovely man would want to spend several evenings a week loving you is far, far less to ask of the world than the miracles than you live every single day. Ultimately, what you believe becomes reality. You believed you could provide a good life for your very challenging son. You did. You believe when culture tells you that no good man will want you. And, so it is.

If some of your hardest moments involve sensory overload, screaming fits, or aggression, this practical guide to managing autism meltdowns explains how to identify triggers, de-escalate safely, and support recovery afterward—helpful when pain or transitions fuel crises and you’re navigating it solo

Advice for single moms of special-needs and disabled children

Here is some advice from members of our Millionaire Single Moms Facebook group, many of whom are moms to special needs children. Here is what they said:
Tiffany: “Broken, old, fat, ugly, and damaged goods.” She’s stuck in a victim place and until she can find some self love, yeah… it probably IS impossible. But not impossible because of her child, that’s just an outward challenge that’s easier to focus on. And she just isn’t feeling the normal rejection like many divorced women feel, that is multiplied as she is feeling it for her AND her son… and maybe some resentment toward her son, which compounds the guilt and pain, but if you say it out loud or even admit it to yourself, you’d confirm (falsely) what an awful mom/person you are. None of it is based in facts, but it feels so very real in the moment that it is so hard to step back. This mama needs some counseling and some support! I was raised with a special needs sister and my parents had to fight for so many of her services that allowed her to be more independent. It took both of them, so I can’t imagine how impossible it does feel to her! Sending love and encouragement that the right people will come into her life to help HER so she can find a way out of this darkness!
Amanda: I have a foster son with autism….I does make dating bit of a challenge.. My free time is bit harder to get. My ex does not take him. I get respite for him two times a month. I have had many guys not be interested when I tell about him.( Which i know is his loss) I find guys tend to think I need someone to save me or get freaked out by my responsibility. But I do disagree with the women that you won’t find love again. It will take more work to have someone else be a part of our lives, but not impossible. Susan: I have a son with high functioning autism. I’m lucky enough to have an ex around who is kind and flexible and shows little desire to have a social life of his own. I also have a dream sitter. So I am more able than most to make time for this kind of thing. For a long time I felt like this mama–unworthy of love. It took me a long time but I changed. I hope she can get the help she needs to see she is worthy too. She sounds really beaten down. Everyone should have someone to make them feel wanted and sexy. To help them out. Jane: A friend of mine has a 13yo autistic child. She has been together with her man for almost 10 years. He’s amazing and treats the child as his own. The bio-father has nothing to do with the child. Lana: I have four special needs kids and a boyfriend with zero kids ;) Katherine: Yes love can be found. I’ve done it and seen it for others with special needs children. There are some wonderful men out there who are understanding and supportive. Having a special needs child doesn’t mean you live your life alone.

Ellie: I have a child with autism – he’s high functioning but can be extremely difficult and doesn’t exactly sleep well. If anything I’m that much slower in bringing ANYONE around – even female friends – because it is taxing on all relationships. But, I would say find a way to get out or she’s going to burn out. She needs time apart from the constant care of any child, more with a special needs one. And if a man is a good man, he will want to be there for her and the child and will try to learn about his needs.

Jess: I don’t have a child with special needs, but I am dating a man who has full custody of a special needs child. I adore him, and my kids adore him too. We make it work. When you are in a relationship with someone, you accept all the things that come with them.

My recommendation would be to put yourself out there in the dating world. Start at the beginning, date without bringing your child into the equation beyond, “yes, I have a child.” Find an excellent care provider so you can date. And then get out there.

Ruby: We all have those days of hopelessness, right? I catered a wedding of a beautiful couple; the bride’s son was on the spectrum. And I could see how much the groom cherished not only her, but her son as well. It’s totally possible to find love. Totally. It was good for me to see, for sure!!!

Join Millionaire Single Moms on Facebook – no income requirement, only positive, motivated single moms allowed (and we talk about dating, sex, money, career, parenting, divorce and other stuff you’re thinking about and no one else will get).

Full transcript of Like A Mother podcast with guest Kim Thompson

Emma Johnson: This is Like a Mother with Emma Johnson for moms who think. Today, we’re going to talk about an issue that affects millions and millions of families and, I admit, something that I have the luxury of knowing very little about. This is parenting a child when you are a single mom. Now, 1 in 20 school-aged kids in the United States, according to census, very reliable numbers, 1 in 20 kids have a disability. The numbers are all over the place, but as many as 80% of marriages that have a special-needs child at home, and those numbers are disputed, but some sources say 80% of those marriages end. I don’t need to tell you the majority of caring for those kids is going to fall on the mom. It just is. In fact, according … also government statistics, 24% of parents of special-needs kids say that they have to stay home at least part time if not full time to care for those children.

Emma Johnson: So we have huge numbers of families, huge numbers of unmarried moms caring for special-needs kids. I want to know more about this. I have the luxury of not knowing much myself personally because I have two very healthy children, like completely healthy kids. Today, I’m here with my friend Kim Thompson. She is a fellow single mom and a fellow New Yorker. Her story really embodies, I think, what millions of unmarried parents face every single day. Kim, thank you so much for being here.

Kim Thompson: Thank you so much for having me, Emma.

Emma Johnson: Tell me just a little bit about your family. Describe your home.

What it’s like to be a single, fulltime stay-at-home mom for a child with special needs

Kim Thompson: I have two boys. One just turned into a teenager today, in fact. We’re going to have a big party later on. The other one is seven and a half, and he has autism and a bunch of other medical and sensory issues.

Emma Johnson: Okay. You are staying home full time.

Kim Thompson: Right now, I need to stay home full time.

Emma Johnson: Why?

Kim Thompson: Because his medical issues overtook his whole life. He wasn’t in the appropriate educational setting. That impacted him greatly. We had a big upheaval, and we’re in the process of coming out of that, thankfully.

Emma Johnson: Okay, so he was in school. You were working, but the-

Kim Thompson: I wasn’t able to even work because I was barely able to get him to school. Yeah.

Emma Johnson: Okay. Your whole life is really caring for your family, it sounds like, mainly focused on your disabled child.

Kim Thompson: Yes, but the other thing about this is that your other kid needs a lot too. As much as you’re giving to the one kid, you really also have to give to the other kid and kind of extra-give to them because they’re really in the shade.

Emma Johnson: Yeah, right. You’re a divorced mom.

Kim Thompson: I am an almost-divorced mom, three years separated. We’re almost there, but one thing that’s been in the way of this is this upheaval that happened with my little guy. It really overtook my life.

Emma Johnson: Why is that upheaval standing in the way of the divorce?

Kim Thompson: Oh, just because the minute that my ex would take the kids, I was completely laid out flat, exhausted from trying to work through what had happened in the week. It was complete burnout.

Emma Johnson: Oh, so you just couldn’t logistically see the divorce through?

Why “just get a babysitter” doesn’t always work for special needs kids

Kim Thompson: I couldn’t stand up to put the numbers in. I could never go and see my lawyer. I couldn’t get out of the house. We were housebound. It was the only time I spent a year without a babysitter. It was the only time I could go shopping. I would just put on my stuff and just go. There was nothing … I was alone. Things that people take for granting, going to the corner for paper towels, going to get soda, leaving your house for whatever, I didn’t have. That was a luxury. That was a privilege.

Emma Johnson: Because your child … Okay. Talk to me, somebody that has two healthy kids that are perfectly fine staying with most any babysitter I leave them with. Why can’t you just hire a babysitter and go work, go on a date, go run to the corner store for paper towels? Why is that an impossibility?

Kim Thompson: My younger son has complicated communication issues. He doesn’t communicate directly. There’s no way for a person to know what he would want, and there’s no way for him to express that. The attempts to try and help him were the things that were harmful to him, so we had to reel back from that. Now we’re moving forward with it again.

Emma Johnson: Okay, so he just needs somebody that really, really knows him in order for it to even be safe for him to be alone with this person.

Kim Thompson: Yes. Yes. That’s improving because his communication is improving. His connectedness is improving, but there was a time where that was not possible.

Emma Johnson: Let’s reel the story back just a little bit. Was he showing these signs from the beginning when he was born? When did his symptoms start to display themselves?

Kim Thompson: It was around a year, year and a half. My doctor at the time … It’s very common, the story, to say like, “I think we’re showing signs,” and the doctor says, “Oh, he’s fine. Oh, we don’t need it. Oh.” Pediatricians can be very dismissive. Not trying to start a fight here, but whatevs. That’s a different podcast, a different forum, et cetera.

Kim Thompson: When he lost some words … He had like six words. My other kid had a hundred words by the time he was one. This kid had 12 words by the time he was 18 months. That was me sort of milking some of the sounds as maybe words. He was like, “Yeah, let’s get him evaluated.” So we did. [crosstalk 00:08:23].

Emma Johnson: You were married at the time.

Kim Thompson: Yes, I was.

Emma Johnson: What role do you feel that your son’s disabilities played in the end of your marriage?

What role her son’s disabilities, lack of social support played in the end of her marriage

Kim Thompson: I think that because there are not great social supports, there are not great educational supports, there aren’t great … Let’s say not great. Let’s say not varied enough because every family is different and every situation is different. They say, “If you’ve met one person with autism, you’ve met one person with autism.”

Kim Thompson: The way that this system is set up, it’s set up to be one way of intervention. You don’t really have a choice. If that doesn’t work for you, then you have to go the private route, which is enormously expensive. On the way, there starts to be self-blame. Why isn’t this working? It’s not working. I can’t get my kid out of the house. He’s reacting badly.

Kim Thompson: Then all the self-doubt, questioning, depression, kind of being outside of society, but not really understanding that you are outside of society, really impacted me. It impacted me very intensely. My husband at the time was working a lot. He was away for a year, for the first year of my second son’s life. He would come home on weekends, so I was literally all alone. He was tired. I was tired. Everybody was very tired, and so I think it all comes down on you.

Kim Thompson: Had I worked, maybe I would have had a different kind of social structure and different place to go, different people, but I didn’t. I had been a stay-at-home mom, and that just compounded my sense of isolation. I can only speak for myself. It doesn’t wear well on a relationship if one person is really bummed out, and the other person’s really tired. You’re trying to get help, but it’s not really helping.

Emma Johnson: Well, such a stressful situation. What I’m hearing you say is … That really resonates with me. “When you meet one person with autism, you’ve met one person.” There was no clear route. It’s not like other illnesses, let’s say, where there’s a course of action, right?

Kim Thompson: That is absolutely correct.

What it’s like to be the primary caregiver of an autistic child as a single mother

Emma Johnson: You felt, which it sounds like is extremely common as the primary caregiver, which, oh, P.S., is of course the mom in the most cases … It’s really up to you to keep fighting and fighting and fighting and fighting and find out what your kid’s course is because there is no … Just by the nature of the nature of the diagnosis, it’s complicated. Then the establishment is lacking. This is your job. Your job is to make this kid better, and you can’t figure it out. You’re failing. By definition, you are failing as your part of this marriage.

Kim Thompson: Absolutely. You become consumed. There’s that saying, “You’re only as happy as your most miserable child.” Your kid’s not well. You bring up a good point, a great point. I had a friend whose child had cancer. He had a support group, a wing. People came. They had clowns. They pushed candy. I went on marches for him.

Kim Thompson: Nobody came to my house. People just faded away. If they don’t understand it, they go away. There’s no place for something that’s outside of the beaten path. Even in my support group, if it’s not the path that people understand, it’s not something that they can get with. It is a very individual path right now.

Emma Johnson: Let’s talk about that social isolation because a lot of stay-at-home moms feel socially isolated, but then baby Jesus created the play date, right? It’s all about that play date, and that’s the social outlet. Talk to me about the play date for you.

Kim Thompson: Right. My kid at school was in the wrong placement, we’ll say, and because of that, they misunderstood his needs. Whenever a kid would cry, they would force his hands down. He has very sensitive hearing. Now he’s terrified of other children.

Emma Johnson: Right. But let’s talk about it from you because you talked about people fading out of your life.

The social isolation that accompanies families with special needs

Kim Thompson: Right, but I can’t be on play dates. Nobody can come to my house, and I can’t go to anybody’s house. He’s stuck in the house. My friends won’t come to me. I’ve had friends … I would send them the articles, “What you can do for a special-needs mom.” Bring her a fucking cup of coffee. Do her laundry. Bring her a salad. I had like one friend who would come and bring me a salad like once a month. I was like, “You’re the baby … ” Exactly. I’d be like, “You’re the best.” People didn’t understand.

Kim Thompson: The other thing is there’s an enormous amount of judgment that comes with it, so if it’s not working, she’s crazy. That’s the other part of the social isolation, that people really need to distance themselves. Just taking my kid out and seeing the way people look at him, if he’s talking to himself or whatever, I just feel like, “Really? Really?”

Kim Thompson: There’s being outside of a social norm, and then there’s the way we blame mothers. You know that saying, my mom used to say, “If it’s not one thing, it’s your mother.” It’s that. There’s mother blame. There’s social isolation. There’s being outside of the norm. Then there are friends who are just like, “Let me know what I can do to help,” which is like saying … the same exact thing.

Emma Johnson: All right. What do you want? If you’re listening to this, and you have a friend or your sister or whatever who has a special-needs kid, and you sense this mom is losing her shit, give me three things that you can do to be supportive or a good friend or a good cousin or whatever to that mom, three actual things you can do.

How to be a supportive friend to moms with special needs kids

Kim Thompson: Okay. That is a great question. I love that. The first thing is find out how she likes her coffee or her tea or her chai or her vodka, whatever she likes, and bring it over. Bring her two. Then go sit with her and listen to her. Don’t judge her, but listen to her. Be present with her grief, whatever. Then the third thing. It’s a tough one. Learn her kid. Learn one thing about her kid. Learn her kid so that you can make a bridge with the kid.

Emma Johnson: What does that mean? I can hear in your voice, you’re getting upset by that. Why is that so upsetting to you?

Kim Thompson: I think I mentioned on your thing, my mom just died. I’m just really emotional. Talking about the isolation, it’s not broken yet. It’s not done yet. I’m working on it. I haven’t mastered it. I’m moving in that direction, but to have to ask somebody to accept your child when people just accept other people every day, the fact that I have to ask for that for my kid makes me sad, like how I’ve had to fight just for people to treat him like a human being. I’m switching my perspective on this, but it’s just something that just gets to me. Do I have really beg you to come to my house to treat me like a human being, to treat my son like a human being?

Kim Thompson: He’s the greatest kid. I used to think, “I’m never going to get married again. Nobody’s ever going to love me.” My kid is so adorable and funny and loving and has such a great sense of humor and creative and surprising. It’s not him. I’m not worried about him anymore. I love him, and I want other people to get to know him because he’s isolated, and he wants to know how to be in the world. He can’t do that if people are ignoring him. Why do I have to fucking say that? Sorry.

Emma Johnson: Well, you know what’s interesting. I have found in motherhood, and I think especially in motherhood … It sounds like this is amplified even more for you as a mother of a special-needs kid … there’s something about somebody who loves my kids. I don’t care who it is. I think that being an unmarried mom because now you and I, we’re outside of the traditional, normal, healthy family. We’re already worried about social isolation. We’re already worried our kids … They are. My kids have one less adult in the house.

Emma Johnson: There are compromises to make that are real. I’m not about being a Pollyanna about single motherhood. For example, I just spent some time with some extended family. It’s like, we don’t always get along or like each other, but we love each other’s children. I love my nieces, and my brother loves my kids. There is a giant love that’s going on, even though the adults are bitching and sniping at each other. I feel love because they love my kids. I think that goes back, right? You are feeling rejected because your child is being rejected because he’s weird.

When special needs kids are rejected, so are their mothers

Kim Thompson: To them. To me, he’s totally normal for him. I know that he wants to connect, and he’s not going to be able to connect if you’re treating him like he’s weird, you know? You can’t say that other lives matter, but only those other lives, if you don’t take the full spectrum. You accept some people. Everybody has prejudices, right. You can say, “I’m not prejudiced against those people,” but you’re prejudiced against those people. Disabled people have been really marginalized so much because they look weird. It’s weird to us.

Emma Johnson: They act weird to us. That’s when you’re saying, “Know my child,” because ultimately somebody that’s prejudiced against black people that’s a white person, they could sit down. They’re speaking literally the same language. If they get down to it, they look 98% the same physically, and they have all the same human experiences. So it’s very easy to find that common ground, but if you have a nonverbal child, where’s … How-

Kim Thompson: Complicated.

Emma Johnson: Yeah.

Kim Thompson: It’s a complicated communication.

Emma Johnson: Right. There’s no guidebook. It’s not like, “Oh, I’m just going to go and learn sign language. Then I can communicate with a hearing-impaired person.” Every child, every socially disabled person is going to have their own language, so it takes so much more effort to overcome that prejudice that disconnects us in your case.

Kim Thompson: Exactly. Exactly.

Emma Johnson: As a single mom though, right, your need for that love and that connectedness on behalf of your children is so much greater because it is lonely. I think that’s one of if not the biggest challenges of single parenthood.

It’s lonely being the mother of a child with disabilities

Kim Thompson: Yeah. I guess that’s why I’m crying because my mother just died and she loved them so much with a love that was big enough for everything else, but now … I have a good relationship with their dad, and he loves them. Thank goodness. He’s a very loving father. We’re very amicable. I text him a thousand times a day because of the progress that my younger son is having. I do that so he A, sees it, and B, so he can do carryover. We have that, but just in my daily … I don’t really care about where your kid’s getting into school. You know what I mean? The competition and all that stuff, that all left me behind. Just be with me and my kid.

Emma Johnson: Right. Right. You’re in Manhattan. We’re in New York City where that is so amplified. We think that’s everywhere in the country, but it’s like … Yeah. People, they have a different set of priorities as parents. They just do. Maybe it’s like that … I have a hard time relating to that even with healthy kids, but I have had to let go too and just be like, “Well, that’s their jam. They’re on that path.” I don’t get it. I don’t relate to a lot, married moms and stay-at-home married moms, the things they talk about filling their day with. I’m like, “All right. Peace out. No comprende.” Right?

Kim Thompson: No, it’s really like that with special needs when you hear about what people complain about. A friend of mine said, “Can you believe that … ” I can’t be specific about it, but whatever it is, like, “They can’t even wear shorts in the school.” Really? You should really get on that. You should get on that. I’m going to try and get some more services for my kid or someone to just pilot my child. All right.

Emma Johnson: Yeah, exactly. I remember having breakfast with a friend, and she spent literally 20 minutes of this very precious social time talking about the challenges that she had in her life because her seltzer bottle recycling program changed.

Kim Thompson: Yes.

The financial challenge of being a single mom of special needs kids

Emma Johnson: So the social isolation, financially … If I’m hearing that you are not getting out of the house for a year because you can’t find the appropriate … Money has got to be a huge challenge.

Kim Thompson: Money is a huge challenge, especially because … I hate to go there, but if it’s not in your insurance … Money is a huge challenge. That is a whole other story about treatment and therapists and who’s on insurance and who is available and who is not available and what you have to pay for out-of-pocket and these doctors who are great and these doctors who are … I’m not going to use the word “quacks” because we do everything, but people who take advantage. They’re just [inaudible 00:23:44] run the gamut.

Kim Thompson: It’s not about fixing or curing. That’s also a very complicated concept in the autism community, but if your kid can’t sleep in the middle of the night because he is up all night because of his gastrointestinal distress, you’re going to look for answers. So yes, finances … There are constant doctors and specialists, et cetera, et cetera. There’s a lack of working. Financial stuff is like a 10-part series, Emma. I’m sorry.

Emma Johnson: Money is always a problem after a divorce. You’re not able to work because your kid needs you at home because the education system wasn’t working. Then just getting out of the house, that’s a challenge. Okay. Dating. Have you been on a … All right.

Dating as a mother of special needs kids

Kim Thompson: I went on three dates. I went on dates with three guys. One I really liked so much, but he did not like me. It didn’t work out. I liked him so much because he was so smart. He was not my physical type, but I didn’t care.

Emma Johnson: Does not matter. Honestly, I actually just started dating somebody who I really, really like. Incidentally, he’s super good-looking, and I don’t even really care. It makes me like him better because he could have any untold amount of pussy he wants, and he’s the most decent, great guy. But it’s like, “Yeah, he’s nice to look at.” Anyways, yeah. We could talk about men in the abstract, but I want to keep things focused on the single mom, disabled child thing. I use OkCupid all the time. It sounds like you do too.

Kim Thompson: I try to, and then I log off because again, I have a unique look. I don’t want to say … I have a young-looking face, but I wear my hair gray. I do it to be …

Emma Johnson: You’re really cute. We’re Skyping right now.

Emma Johnson: We’ve hung out before. You’ve come over to my house.

Kim Thompson: Yeah.

Emma Johnson: First of all, let’s just take looks out of the equation because I feel like women are often use looks … not without merit. They would say, “Oh, I’m not pretty enough,” or, “I’m not thin enough,” or whatever as an excuse. I understand why because everywhere you look in society, we’re supposed to look like a model before we even get the attention. That’s whatever.

Kim Thompson: I’m just saying as far as I photograph-

Emma Johnson: You are pretty. You are very … Whatever. It doesn’t matter.

Kim Thompson: No, no. I’m saying on OkCupid, they’re like, “What is happening?” Am I speaking? Is speaking about like … Am I speaking? Do I need an interpreter? Like, what the … Why would you even contact me?

Emma Johnson: Oh, you can’t pay attention to that. No. The duds, you just don’t put energy into them.

Kim Thompson: No, I don’t, but no good ones approach me is what I’m saying. When I approach the good ones, they don’t write back. I don’t know, Emma. You know I’m a huge fan. I download all of your courses. I feel bad. I go, “Fuck it. I’m just going to be like Emma anyway. I’m going to go out and not and just be in the present, be in the moment, love myself, et cetera, blow my hair out and just go.” I don’t know what it is.

Emma Johnson: Okay. I don’t know either. Maybe we can talk afterwards, and I can help you with your profile.

Kim Thompson:  Yeah.

Emma Johnson: Okay. Couple questions. Do you mention in your profile that you have a disabled child?

Should you mention your disabled child in your online dating profile?

Kim Thompson: No.

Emma Johnson: Do you feel like you should mention it on a first date? Where does it play in your head in your dating?

Kim Thompson: I haven’t gotten that far yet, but I feel like I would feel it out. It’s really for me something that I feel like I’m right with in myself. First of all, I have a baby daddy. He takes care of his kids. I don’t need anybody taking care of my kids. I can take care of my kids, and my baby daddy can take care of our kids. We are committed in that way, and I’m very, very fortunate that way. I’m grateful for him, and we have a very amicable ending and blah, blah, blah. I don’t need anybody taking care of my kids.

Kim Thompson: Second of all, my kids are great. My 13-year-old is funnier than almost anybody I know. I’ve got great kids. Do I say I have a disabled kid? I don’t know. I have to get to know the person first, I would think. Also, I think you have to be square with it in your heart. Not to be a fan girl or anything, that is something that I’ve really gotten from reading your stuff and listening to stuff, is you got to be right with you first. Then this is who I am, and whatevs. That’s how I feel like I would approach it.

Emma Johnson: It really does. It’s like a magical thing. I’ve seen that in all parts of my life. The story I always tell, which is slightly unrelated, but when I first became a full-time freelance writer, and this was like 12 years ago, nothing says broke loser like freelancer writer, even though I was doing really well. Right from the beginning, I made good money. I had a lot of success, but a lot of times I would meet new people, just socially meet whoever, and I’d tell them what I would do. They’re like, “Oh, that’s got to be so hard.” I’d get really pissy and defensive about it, but I figured it out within myself.

Emma Johnson: I guess maybe I had enough success where I just owned it. I don’t know ostensibly I was doing anything different when I talked about myself, but people just magically stopped saying those condescending things because my natural confidence got in check. Maybe you just haven’t gotten there. Here’s a little tip for anybody dating in the world. Just walk in there like your shit does not stink, and you’re sussing out the other person, whether they’re good enough for you to see again. You’re checking them out. You’re not worried about if they’re going to like you because that’s a given.

Kim Thompson: Right, right, right. I love that. Yeah.

Emma Johnson: It takes a while to go there. It helps being in New York where there’s lots of people, but I think you can apply that to anything in life.

Kim Thompson: I totally agree with you, and that’s why I love your work because you’re bringing that to a situation that was formerly infused with so much shame, sort of the situation that I’m talking about right now. My mom was a single mom. It was not pretty, and I think that modeling esteemable, forward-moving, goal-oriented, self-loving actions and lifestyle behind that is really key for so many things. That’s why I’m always trying to fit your message into how can I bring that to my life, which is not … I wouldn’t order it in a catalog, the financial setup, but neither did all the great thinkers who say, “It doesn’t matter where you are. It’s your responsibility how you feel about it.” Right?

Removing the stigma of being a single mom

Emma Johnson: Right? I hear also that you’re very grateful for your situation. It sounds like your ex-husband makes enough where you guys can make this whole thing work, at least for the time being.

Kim Thompson: For the time being, we can. Yeah.

Emma Johnson: But you were saying earlier … Share about … because you are technically a stay-at-home mom, and when you’re dating, and guys hear that, talk about a little bit.

Kim Thompson: Like I was telling you, I’ve done … I did go to acting school. I did do a little writing. I was a makeup artist, so I can … I have done a little bit of writing. I have done a little bit of makeup here and there. I have enough of a former life that [inaudible 00:31:05]. I still kind of write. I still try to do as much as I can, so I say I’m a stay-at-home mom, and I’m working on my novel/screenplay both and mean to go back to standup, all those things.

Emma Johnson: But you were telling me that when you’re dating or connecting with men, they often say, “Oh, you’re a stay-at-home mom.” They assume what?

Biases and stereotypes of single moms, stay-at-home moms and moms of special-needs children

Kim Thompson: They assume that you are looking for a sugar daddy. I’m in touch with my high school ex-whatever. He was never technically my boyfriend, but we … I don’t know. He’ll say, “I’m not looking to care of anybody. I don’t need an older woman with … ” There’s just a bias against it. I love this guy. I’ll do anything for him. He probably doesn’t even know it came out of his … you know what I mean? It’s just a bias.

Emma Johnson: That’s out there because it’s real. Biases and stereotypes become such for a reason, and there are a lot of women out there that don’t see themselves as capable of having their own financial success. They think the only way that women can get by is to marry a man or hook a guy with money. That is a real thing happening in the world.

Emma Johnson: Men are screwed by it, and then they get scared when they sense, realistically or not, that that might be going on in a relationship with a woman. I think it’s very much upon all of us to straighten that out whenever we see it. Your case, I don’t know. Do guys know right from the beginning? Like you said, my kids are taken care of. I’m taken care of, but here’s the thing. What are you looking for? What do you want?

Kim Thompson: What do I want? I think I really want to develop my writing and my-

Emma Johnson: No, but what do you want romantically? What do you want romantically?

Kim Thompson: Oh, what do I want romantically? Oh, good. We get to-

Emma Johnson: You can have anything you want. Just put it out in the universe. What is it?

Kim Thompson: Yeah, I love it. What I really love is an intellectual match or peer. I’d like a taller guy, but at least my height. Funny, smart, kind, somebody that I can do the things that I want to do, like go to the movies, go to shows, go to museums, do all that stuff with, have a super hot love life, and somebody who’s very kind and chill but also likes to be in the world, somebody who’s really a part of the world, not somebody who’s withdrawn from the world. I’d like somebody to really be engaged.

Emma Johnson: Do you see this as being a lover, a new husband, boyfriend, in the house, out of the house? What do you envision?

Dating and sex as a mother of an autistic child

Kim Thompson: Ultimately, I think I’d like a partner. I don’t know if I’ll ever get married again because I haven’t even dated yet, right? I would like a boyfriend. I would like a boyfriend outside the house right now. I can’t move anybody in this place, but I would like [inaudible 00:34:07].

Emma Johnson: I don’t need anybody living in my place. This is my apartment.

Kim Thompson: Yeah. A, there’s no room here, and B, if you’re coming in, you’re staying in. I’m sorry. If you’re going to move in, you’ve got to stay. But I’m not doing the books and the albums again. We don’t have CDs, but I’m not separating out the clothing items. I would like a long-term boyfriend for now. Yeah. I would say.

Emma Johnson: Have you had sex?

Kim Thompson: What? No. No.

Emma Johnson: Are you open to just scratching that itch?

Kim Thompson: Yes, absolutely, but it has to be … you know.

Emma Johnson: You want to have some kind of other connection too.

Kim Thompson: I have to.

Emma Johnson: I’m the same way.

Kim Thompson: I can’t just be like … or else I would have called a service a long time ago.

Emma Johnson: Yeah, there’s plenty of services. You could order anything on your phone in New York.

Kim Thompson: Yes, exactly.

Emma Johnson: You can get your dry cleaning delivered. You can get weed legally. Yeah. Anything you want.

Kim Thompson: Get a fella. You could get a fella. I don’t want-

Emma Johnson: Fella.

Kim Thompson: I don’t want to buy a fella. I would like somebody who’s interested in me, who values me, whom I value, who we have a connection. That’s what I would like.

Emma Johnson: Yes, and you deserve it.

Kim Thompson: Thank you.

Emma Johnson: I don’t think that is an unreasonable ask at all.

Filling your life and kids’ lives with good male role models

Kim Thompson: Thank you. You know what I really would like to do, Emma, also is populate my life with good male role models as well. I’ve been thinking about that, so let’s manifest that in 2017, shall we?

Emma Johnson: I want you to say it without the silly Kermit the Frog voice because you’re diminishing it.

Kim Thompson: Okay, Mrs. Seeing Everything For What It Is, see what I care. I’d like to manifest more positive male role models in my life in 2017, deeper friendships with women and men, and have a boyfriend/lover.

Emma Johnson: That’s great. I love it. You know what I have appreciated in this phase of my life since my divorce, is that I have had a number of really true, platonic, straight, male friends, which I don’t think I really had in my 20s or before. It was either there was weird sexual tension, or we just weren’t that close, or whatever. It’s like there just, for no reason … Well, for our own reasons, right. We aren’t romantically involved, but they are my true friends, and I very much appreciate that. I feel it’s brought a very much richer perspective to my life.

Kim Thompson: Yeah. I’ve decided that’s what I want as well.

Emma Johnson: So you’re in it. You are in it figuring this out, but you have been on this journey for seven years. If you were to speak to other single moms of disabled kids … They are feeling burnt out, isolated, broke, lonely, horny, overwhelmed. Give me three things that you have learned, three things that have worked for you that you figured out on this journey.

Kim Thompson: Okay. The first thing is trust your gut as moms and definitely as special-needs moms. We are told that we are doing it wrong, and the experts are right. If you think that was true with all your baby books, you should see what it’s like for special-needs parents. You are right. Once you get right with yourself, like we were just saying, then you seek out things to support that more instead of trying to figure out where you’re wrong.

Finding community as a single mom with special needs kids

Kim Thompson: The second thing is, if you can’t find community, there is community online. Even if you’re trolling the community and not participating in it yet, you can find lots of groups on Facebook that can help you with your point of view to get support and at least back up what you’re feeling. There are special-needs, single special-needs moms groups. They don’t work for me because I can’t get out of the house, right? There are people for everybody. Maria Bamford, one of my favorite comedians says, “If you’ve done it, you can find the people online who also have done it.” You’re not alone. Somehow, you’re not alone.

Kim Thompson: I think the third thing would be to figure out how to incorporate some kind of shifting of your mind, recentering, getting centered in some way, whether it’s a spiritual practice, or whether it’s getting in the tub. Some kind of self care is essential. You can’t go 24 hours a day. When you get the perspective shift, then you can open yourself up to more possibilities.

Emma Johnson: I love that. The takeaway is trust your gut. You’re right. Don’t defer. Well, you’re in a tough spot. All you want is an expert that you trust to tell you what to do.

Kim Thompson: But again, it’s uncharted territory.

Emma Johnson: It is. Yeah.

Kim Thompson: They do know, and often you really do know.

Emma Johnson: Yeah, so trust yourself. Trust yourself, and not just when it comes to the care of your kids. That’s a universal. Trust yourself, ladies.

Emma Johnson: Second is, find community, whatever that means. You know what I think is interesting? I’ve found in my life … Your community, in this case, yes, maybe it is a special-needs parent community, or maybe it’s a single mom community. But maybe your community is just labeled something else, but something in that group or that community connects. Maybe it’s just like some really sweet old ladies that live in your apartment building that are your community, right? Open your mind to what, who that community might be. I think that’s … because I hear you. You kind of are hitting up against some walls. You found your support group didn’t get you. I don’t know. I find community can come from surprising places.

Kim Thompson: Yes, exactly.

Self care for single moms with special needs kids

Emma Johnson: Yeah. Your third tip is self love, ladies. I hear you saying it’s a go-to thing, so it’s like when you’re about to lose it, go take a hot bath. When you are in the spiral of your craziness, go do to 20 minutes of yoga or whatever your go-to retreat.

Kim Thompson: Just take a deep breath and have the sayings up on your wall. Write them in magic marker or Post-it notes. There’s this one thing that I have that says … I’m just going to read it to you. One thing I have up here is, “Everything is awful, and I’m not okay. Questions to ask before giving up.” I saw it on a website, and I printed it out. I just look at it when I’m feeling really terrified.

Emma Johnson: Thank you. Kim Thompson, awesome, gorgeous single mom, special-needs child, and she’s killing it. She’s going to get laid, and she might even find love in 2017.

Kim Thompson: Because of you, Emma. You’re my … Thank you so much.

Emma Johnson: I know. You’re responsible for your own pussy. I can’t help you with your … I can help you with some stuff, but you’re responsible.

Kim Thompson: No thank you. No thank you on that, but just with the mentor. Thank you so much, Emma. Thanks.

Emma Johnson: All right. You’re welcome.

If you have a flair for creativity, artistic skill, and great communication ability, a career in graphic design could be a great and lucrative career.

The field of graphic design is responsible for creating the visual effects and concepts that sell products and inspire consumers.

A graphic designer is an individual who uses their creative skill and energy to produce visual ideas and concepts for brands and companies. These professionals take images, graphics, and designs, and bundle them together to create unique concepts businesses can use in published, print, or electronic media.

Imagine a company wants to create a new ad to sell their product — a travel app. The company’s advertising department or agency hires a graphic designer to create an eye-catching illustration and concept that works with their marketing strategy.

In this case, the graphic designer is part artist, and part marketer. Not only are they charged with coming up with a concept that fits their client’s goal (getting people to sign up for their travel app), but they are also hired to create the visual illustration.

Graphic designers can work in freelance roles or for traditional employers — typically specializing in design services, advertising, marketing, public relations, and print media.

Today, much of graphic design work is in the online media space using computers and software. This can mean creating visuals and designs for bloggers and online personalities as well as businesses that have an online presence but need help with design and messaging. This might likely include design expertise that you already have, including Pinterest designs, Facebook ads and images, Instagram memes, websites, signs, book covers, packages — pretty much all visual communication requires design. Even this page that you are reading was created by a designer.

In fact, you can learn graphic design online via Coursera because a degree isn’t required for this field. Coursera offers classes from top universities including Stanford, Duke, University of Illinois and Google.

Here’s how to learn graphic design and find a job:

How to learn graphic design without getting a degree

How long does it take to learn graphic design?

How to get experience in graphic design without a degree

What kind of tasks do graphic designers do?

What skills do you need to be a graphic designer?

How much do graphic designers earn?

How to find graphic design jobs

Pros and cons of being a graphic designer

Is being a graphic designer worth it?

More work-from-home career opportunities

Learn where to graphic design

Experience is king when it comes to finding design work. Your work will speak for itself — both your portfolio of work, as well as clients who can refer you to their colleagues and friends, as well as rehire you!

If you don’t have a degree in this field already but wish you had one, you may want to explore local or online schools that can help you get on the right path.

Graphic design degree programs can help you get started on the path toward a profitable career in this field, but you need to choose your school carefully. While some schools may focus on graphic design for conventional industries such as advertising or print media, you’ll want to focus mostly on the online applications of design if you want to work at home — and be marketable.

This likely means focusing on a program with an emphasis on mobile and web design, brand identity and logo design, and perhaps even the creative design of infographics or digital animations.

In addition to a degree or experience, you’ll also need to build up a portfolio of work you can share with potential employers and clients. Many times, new or aspiring graphic designers complete an internship to build up their portfolios and gain applicable experience.

Learn graphic design online via Coursera

Offered from California Institute of the Arts, this graphic design specialization four-course sequence takes approximately six months to complete and exposes students to the process,  — as well as a a capstone project suitable for a professional portfolio. 

How long does it take to learn graphic design?

The Coursera graphic design program takes six months to complete.

How to get experience in graphic design without a degree

It’s important to remember that you need experience in this field to get started more than anything else. If you can do the work, your educational background won’t matter to the vast majority of people who may hire you for a job.

Fortunately, getting some design experience under your belt is easier than ever. Here are some options to consider:

  • Teach yourself online design tools like Canva or Stencil. Canva and Stencil an online design tool that is extremely popular with bloggers, virtual assistants, and digital media — any element that is used on Pinterest, Twitter, Instagram, Facebook, blogs or any website. You can use Canva to create anything from infographics to cards, posters, ecards, announcements, and magazine covers. If you can master Canva and Stencil to create awesome images, you can parlay that experience into Fiverr work or create interesting images to use on your own portfolio. Best part — the basic (and excellent) version of Canva and Stencil are free!
  • Create an account on Fiverr. If you have some basic design experience and want to try your luck getting some beginner clients, set up an account on Fiverr! This service connects online clients who need design, writing, or other freelance work with designers like yourself. Jobs only pay $5 each at first, but they offer a great way to build up some experience. Once you have a lot of excellent reviews on Fiverr.com, you can use them to build your portfolio and land better, higher-paying clients.
  • Seek paid or unpaid “trial jobs.” Do you know anyone who needs design work? Maybe you are friends with a business owner who would love an update to her email template or logo and you would offer your services at a discount (or for free) just to get some work for your portfolio. Remember that experience is the most important factor most people who hire designers consider. If you can get a few jobs to share on a portfolio, you’ll be well on your way to building up your clientele.
  • Create your own portfolio website. Also, remember that the internet is a place where you don’t need permission. It’s not that difficult to create a simple website with a very-easy to use, low-cost program like Wix where you can showcase your design work (and your own site will also be its own portfolio piece). Get a domain name now for your freelance business.

What kind of tasks do graphic designers do?

Graphic designers perform a wide range of creative tasks that can depend on the project they’re working on. They work with clients and businesses to help them create a concept for their project, and then execute the design. Other times, designers follow orders to create what their client knows they already want.

However, different projects require various skills and tasks. A graphic designer who is creating a logo may need to have some experience in marketing to be able to conceptualize a logo that is captivating, but also meets the goal of the business marketing plan.

On the other hand, a graphic designer who works on brochures may need to create images that work alongside written text, or promote a thought or idea their client is trying to explain to their customers.

While graphic designers can do different tasks depending on their area of focus, some job duties these workers take on include:

  • Meet with their clients to discuss the project and the desired end result
  • Meet with art directors and other creative professionals to brainstorm ideas used to build initiatives
  • Design the layout for visual representations
  • Design logos and other business-related graphics
  • Create visual images for magazines, newspapers, and brochures
  • Use computer software programs to enhance and design images or concepts
  • Come up with unique ideas that help their final designs stand out
  • Present final graphics to clients for feedback
  • Implement design changes based on client feedback

If you’re a graphic designer who works for an employer, you’ll spend the bulk of your time designing and using your artistic skill, as well as meeting with clients and other workers on your team. If you’re self-employed, on the other hand, you’ll have another layer of tasks to take care of.

Work-at-home graphic designers tend to have more freedom to design their own schedules and work at home, but they earn that freedom with more responsibility.

Self-employed graphic designers are required to find and retain their own clients, along with negotiating with them for pay and other perks. They also need to spend time tracking payments and invoices and keeping up with their taxes and books. Finally, freelance graphic designers usually need to spend some of their time advertising and marketing their business.

7 business ideas for moms

What skills do you need to be a graphic designer?

While many graphic designers get their start by earning a degree in this field, the emergence of online tools and apps has made it easier than ever for people to get started in this career without formal education.

It’s crucial for graphic designers to have a broad understanding of the various computer software programs required to do their job, but experience is often a lot more important than a degree hanging on your wall.

But, what kind of skills do you need exactly? Most importantly, you need to be proficient at designing visuals that are engaging and aesthetically pleasing. You need to have a great eye for detail and a finger on the pulse of current styles and trends.

You need to know what looks good and what doesn’t, and you need to be an expert at using online design tools that can help you throw together designs that appeal to both clients and consumers. At the end of the day, your skills and your experience are the drivers that will get people to hire you.

In addition to experience in design, you should have critical thinking and analytical skills that help you see designs through not only your eyes, but the eyes of your clients and consumers.

You also need excellent communication skills to be able to effectively communicate with clients, employers, and co-workers. But really, it all boils down to design experience and a keen eye for detail.

To market yourself to potential clients, it is important to have attractive social media accounts, as well as a simple website that showcases who you are, and what you offer.

How much do graphic designers earn?

According to the Bureau of Labor Statistics, in 2017 graphic designers earned a median annual wage of $48,700, however, many top-level graphic designers earn $80,000 or $100,000 or more. Many freelance graphic designers charge more than $100 per hour.

It’s also important to note that the industry you work in could play a role in your earnings. The BLS reports that advertising, public relations, and related services paid the most, while graphic designers who worked in print media earned closer to $39,210. Newspapers and magazines are dying!

Graphic designers who are self-employed may earn more — or less —than their peers. At the end of the day, it depends on how much work they can secure and how much they are able to negotiate in terms of pay.

How do you find graphic design jobs?

If you’re looking for a job in this field, you should absolutely start with a few of the steps above. Try your luck on Fiverr.com for starters, then ask around to see if anyone you know could use your help. Make sure you spend a lot of time with photo editing software and design tools like Canva as well. That way, you’ll have a good idea of what you’re doing when you start picking up a few beginner jobs.

You can also check out the big job boards such as Indeed.com, Glassdoor.com, ZipRecruiter.com, and CareerBuilder. Make sure to update your LinkedIn profile to reflect your new career path, then reach out to contacts there to see if you have any connections that could lead to a job. If you know someone who works in design, reach out to them to ask how they got their start. You never know; they may have a contact who is hiring or have resources they can share with you.

Finally, set up a profile on FlexJobs.com (read our FlexJobs review). This website lets professionals who want to work at home search for employers who may be hiring freelance workers in their field.

Since graphic design work is mostly completed by hand or with computer software, this profession is a natural when it comes to remote work. In fact, the BLS notes that, in 2016, 18% of graphic designers were self-employed with the freedom to work from home.

Pros and cons of being a graphic designer

Here are some pros and cons to consider before you move toward getting started in this career:

Pros:

  • You get to be creative and use your artistic talent
  • You may have unlimited income potential if you’re self-employed
  • You can choose to work as part of a team or on your own
  • Do work you enjoy and find inspiring
  • Earn healthy wages in exchange for your skill and expertise
  • If you can master online graphic design tools, you can work build your career at home

Cons:

  • You may face steep competition for jobs — especially if you’re self-employed
  • Freelance graphic designers must spend time advertising and marketing their services to get new clients, which not everyone loves (though some people do!)
  • Clients can be finicky, so customer service skills and patience are required.

Is being a graphic designer worth it?

Here is what one experinced graphic designer with 10 years in the field said:

More work-from-home career opportunities:

There are a number of work-from-home opportunities that pay well, including some six-figure jobs.

Better with numbers? Consider Bookkeeper Launch. This course is from a professional bookkeeper and teaches you the skills you need to be a bookkeeper, how to build a bookkeeping business, how to find clients, scale your business, as well as a support group of other students. You may also be interested in a career in medical billing and coding.

If you’re great with detail and grammar, you may also be interested in a proofreading career, which can pay $15-$30 hour from home, on your schedule. Learn more about how to get started as a proofreader in this post.

Looking for a career that doesn’t involve sitting at a computer all day? Check out what it takes to become a doula, get certified as a doula and build a business by supporting moms through pregnancy, labor and new motherhood. You can also learn how to become a dog groomer.

Or check out 8 free online childcare training courses. I’ve got even more work-from-home job opportunities here in this post for other opportunities to learn new skills without a degree or financial investment, and earn a salary from home with a lot of flexibility.


What kind of tasks do graphic designers do?

Graphic designers perform a wide range of creative tasks that can depend on the project they’re working on. They work with clients and businesses to help them create a concept for their project, and then execute the design. Other times, designers follow orders to create what their client knows they already want.

What skills do you need to be a graphic designer?

It’s crucial for graphic designers to have a broad understanding of the various computer software programs required to do their job, but experience is often a lot more important than a degree hanging on your wall.

How much do graphic designers earn?

According to the Bureau of Labor Statistics, in 2017 graphic designers earned a median annual wage of $48,700, however, many top-level graphic designers earn $80,000 or $100,000 or more. Many freelance graphic designers charge more than $100 per hour.

How do you find graphic design jobs?

Try your luck on Fiverr.com for starters, then ask around to see if anyone you know could use your help. You can also check out the big job boards such as Indeed.com, Glassdoor.com, ZipRecruiter.com, and CareerBuilder.

Originally posted 2013

Dear Helena,

One day when you were a baby, Aunt Tina and I were smooching all over you. After all, what’s better than kissing a baby – all that smooth, perfect skin, those rolls of fat, all that love that just oozes out of them? Kisses and kisses and kisses. “We’re giving her extra kisses now so she can store them for times in her life when she might not have as many kisses,” Tina said. That was exactly right.

Now you are nearly 5 and you rarely let me kiss you like that anymore. But, as you know, I like to tell you every single day that you are beautiful – for much of the same reason. Helena, I hope you read this when you are 14, and 24, and 44 and 84. I need you to know that you are beautiful. Because you are.

I was involved once with a man who let me know that he did not find me beautiful. When we first met he told me how it bothered his ex-wife that in the decades they were together, he never once told her she was beautiful. “She just wasn’t to me,” he said with a shrug. “Sure, she was cute. But not beautiful.”

How strange, I thought. How absolutely cruel.

From then on I was acutely aware of his miserly use of that word. On the one hand, he used it freely when describing past lovers or starlets. Yet every single compliment about my appearance from this man became an insult. There were an abundance of words of admiration, yet every, “You’re pretty today,” and, “You look summery in that dress,” became nasty, digging reminders that I was not, indeed, beautiful.

I see now that he was mistaken.

letter to my daughter

Helena, here is what I need you to know:

To this day I carry a shame with me for two things related to that chapter:

  1. I started to feel ugly. That was my choice. No one allowed this happen but me. But I did.
  2. I stayed.

Helena, in your life you will meet many men, and some of them will not find you pretty at all. And maybe you aren’t to them – and that is totally fine! Who cares if they don’t like your appearance? Such things are but a matter of taste. But let me tell you something – you are so, so beautiful. It is not your big, curious brown eyes, those incredible eyes framed with magnificent brows and impossible lashes. You are not beautiful because of your dashing smile, the poreless olive skin or that elegant, mysterious triangle of small beauty marks that spot your face.

No, you are beautiful because of that thing – that perfect thing inside of you. It is that same thing that is in your brother, and in snowflakes, and when you and your friends laugh on the playground, or when the morning is quiet for a moment and we see the pink and blue clouds above the city. It is inside of me, too. And it is something bigger than you and me. God? Love? The Universe? All of those things – and other things. Things that do not have words.

And when some man lets you know that, no, sorry, you’re really great and all, but you are not beautiful, you need to know that has nothing at all to do with you. Not one thing. It has something to do with that man because he cannot see. And because you are beautiful you will be kind to him – because in all your beauty you will have that kindness and love to share.

And then you will go.

And you will find someone else, or you will be alone. But no matter what, I hope you know always – effortlessly and unconsciously – that you are beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful, beautiful.

All my beautiful love and more,

Mommy

Related post:

Do these 9 things to feel confident and sexy when you feel old, fat and gross

Which dating site should single moms use?

Most family lawyers require a retainer up-front in the thousands of dollars, and an hourly rate of $200 to $1,000 per hour.

If you’re in the market for legal assistance but want to save money, consider an online divorce company like Rocket Lawyer, which costs just several hundred dollars to finalize your divorce.

Is Rocket Lawyer reputable?

RocketLawyer has a Better Business Bureau rating of A+, and a free 7-day trial, then costs:

  • $39 for most documents
  • $49.99 for an attorney answer to a legal question
  • 30-min phone consultation $59.99 
  • If your issue is too complex to be solved in half an hour, you can keep working with your attorney at the pre-negotiated Rocket Lawyer On Call price of 40% off their regular fee, 10% off their flat fee, or $125/hr, whichever is greater.

Increasingly, online divorce services like Rocket Lawyer, as quality online information and technology improvements in the courts means that in many cases, couples can agree on terms of the divorce, create the legal documents online, and then either file the papers themselves, hire a local attorney to file the divorce papers in the courts, or some of the online, DIY divorce products include filing in their fee.

Rocket Lawyer: How does it work?

Is Rocket Lawyer free?

How much Does Rocket Lawyer cost?

Who is Rocket Lawyer best for?

Rocket Lawyer: Where it falls short

Will Rocket Lawyer keep your data safe?

Who is Rocket Lawyer best for?

Who should skip Rocket Lawyer?

Can Rocket Lawyer help with a legal separation?

Is Rocket Lawyer a good choice for a divorce settlement?

How to file for divorce online yourself with RocketLawyer

Can you find a divorce lawyer on Rocket Lawyer?

How does Rocket Lawyer on Call service work?

Is Rocket Lawyer right for you?

Rocket Lawyer vs. LegalZoom

Rocket Lawyer vs. LegalShield

Rocket Lawyer vs. Incfile

Rocket Lawyer vs. LawDepot

Rocket Lawyer: How does it work?

First off, it’s important to understand the type of advice and help you can hire via this platform.

While you may not be able to use Rocket Lawyer’s online portal for complex legal issues or litigation, you can use it to connect with a lawyer for hire in your area.

Rocket Lawyer is a goldmine for contracts, divorce, separation and other legal documents, estate planning, and filing for divorce — all for a fraction of the cost it would take to hire an attorney to do this work for you.

They can also help you incorporate your business and create and sign legal documents online.

The website is simple and very easy to navigate.

Not only can you pay for access to legal help and resources, but you can also read articles about common topics like divorce and estate planning.

Rocket Lawyer offers a deep library with many commonly used legal documents, as well as articles to answer questions about relevant legal topics.

The website is also set up to help you fill out the documents you need online via a simple question and answer format.

If you want to create a will for estate planning, for example, you will follow the prompts and answer numerous questions.

Rocket Lawyer will then use the answers you’ve provided to create your document for you.

Some of the services Rocket Lawyer provides are offered for free.

You can ask questions via online chat without paying a fee, for example. You can also email a question for free.

There are FAQ pages with a variety of questions and answers available as well, and these resources can help you figure out the type of help you need.

Rocket Lawyer also offers discounts when you need to hire an attorney, which you may need to do depending on the complexity of your situation.

Is Rocket Lawyer free?

No, Rocket Lawyer is not free. HOWEVER, there is a great 7-day free trial.

What is Rocket Lawyer’s free trial? What’s included?

RocketLawyer’s free trial includes:

  • Rocket Lawyer’s entire library of legal documents
  • Document Defense protection on all of your contracts
  • Secure cloud storage
  • Reduced rates for your incorporation
  • Free 30-minute consultations on each new legal issue
  • Quick legal advice from their on-call lawyer network

How much does Rocket Lawyer cost?

After the 7-day free trial is over, you can join Rocket Lawyer as a premium member for just $39.99 per month.

With this level of membership, you will receive access to all the inclusions received above with unlimited use.

You will also get a 40% discount when you hire a lawyer through their network, and 25% off affordable registered agent service for your business.

Keep in mind, however, that you don’t have to join Rocket Lawyer as a premium member to access their services.

You can also pay for only the products or services you use a la carte:

  • $39.00 for most documents
  • $49.99 for an attorney answer to a legal question
  • 30-min phone consultation $59.99 

Many members choose the monthly memberships at $39.99 / month, which includes:

  • Unlimited access to hundreds of legal document templates that you can customize, sign, print, and download
  • Unlimited access to a lawyer to legally respond to any disputed contract you create with the Rocket Lawyer plan
  • Answers to your basic questions from lawyers
  • A 30-minute consultation session with each new legal issue
  • If your issue is too complex to be solved in half an hour, you can keep working with your attorney at the pre-negotiated Rocket Lawyer On Call price of 40% off their regular fee, 10% off their flat fee, or $125/hr, whichever is greater.

If you ultimately need a lawyer to represent you or work with you individually on complex legal matters, Rocket Lawyer’s discounts on legal help can really pay off.

With this program, you can pay 40% off your lawyer’s hourly rate or $125 per hour, whichever is higher.

This discounted rate could be extremely advantageous if lawyers in your area charge especially high fees.

Keep in mind that lawyer’s average hourly rates typically fall between $250 and $500.

Rocket Lawyer: Where it falls short

Online legal advice for a discounted rate may sound ideal, but there are a few areas where Rocket Lawyer is lacking.

One example is the 30-minute consultation you get with a lawyer for each “new” legal issue you need to cover.

While 30 minutes may be plenty of time to get your question addressed, keep in mind you can’t use this Q&A time to ask questions about more than one issue.

This allotment of time may also be inadequate if you have a complex situation to address and need time to explain it.

Will Rocket Lawyer keep your data safe?

Before you hire an online lawyer or legal service, it’s important to understand how your data will be protected.

According to Rocket Lawyer, they secure your personal information from unauthorized access, use, or disclosure “in a controlled, secure environment, protected from unauthorized access, use or disclosure.”

And, when personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

On the flip side, the legal service notes that you are responsible for safeguarding and preventing access to your username and password.

By accessing their services, you agree not to disclose your password to any third party.

Who is Rocket Lawyer best for?

At the end of the day, Rocket Lawyer can be extremely helpful for a certain type of consumer — but not everyone.

The ideal customer for Rocket Lawyer includes:

  • Consumers with common legal issues that can mostly be handled themselves
  • People who need to speak with a lawyer for basic legal advice only occasionally
  • People going through a divorce that is mostly amicable, and are close to a DIY divorce settlement 
  • Business owners creating new contracts
  • People who are capable of doing some legal research on their own

Who should skip Rocket Lawyer?

People who should probably skip this service include:

  • Customers who need full legal support and don’t know how to get started on their own
  • If you have a complicated divorce, custody or other important issue that requires a local attorney

Before your divorce is final, you likely want to live apart from your spouse, in which a legal separation is a good idea. A legal separation documents that you are now living separately, and provides legal guidelines for how you will divide expenses, share time and responsibility for co-parenting, and protects each party from the other relocating with the kids or cleaning out the retirement and bank accounts.

If you and your soon-to-be ex are on decent terms, RocketLawyer’s separation agreement is a good and affordable document you can use to formalize a legal separation.

Is Rocket Lawyer a good choice for a divorce settlement?

If you have a relatively simple breakup, you can likely DIY your divorce, along with some help creating legitimate legal documents to be filed with your state. 

Rocket Lawyer is a solid resource, thanks to:

  1. Rocket Lawyer’s divorce settlement agreement can help with child custody, visitation, and child support, as well as property division, spousal support, debt division and other divorce checklist matters.
  2. Access to Rocket Lawyer’s 30-minute phone consultation and/or the question answering service. Common divorce questions that can be quickly answered include:
  • What should a woman ask for in a divorce settlement? [What every mom should ask for in divorce negotiations]
  • What to ask for in a divorce settlement with children?
  • How long does it take to get a divorce settlement?
  • Can a divorce settlement be reopened?
  • Can a divorce settlement be changed?

For the vast sum of divorces, you can do most of the work yourself, along with some guidance for proper filing — so you can do it right the first time and get on with your life!

How to file for divorce online yourself with RocketLawyer

  1. Check to make sure you can file for your divorce online in your district. Your local courthouse should have that information on their website, or you can call and ask a clerk.
  2. Go to RocketLawyer.com, navigate to ‘Divorce Settlement Agreement’ and your state. Download all the documents required.
  3. Fill them out — either online (recommended) or print them out and complete them with a pen. Questions? Call and speak to a RocketLawyer attorney for an additional fee of $59.99 for 30 minutes for each new issue, or email a question for $49.99.
  4. Get your documents signed and notarized (online notaries are approved in most states), then file online in your local courts, along with local filing fees.
  5. Celebrate / cry / move on.

Why you get one year to be a hot mess after divorce

Can you find a divorce lawyer on Rocket Lawyer?

While RocketLawyer does not match you with a local attorney in your area, RocketLawyer’s lawyers will answer your questions and review your documents.

While RocketLawyer does not match you with an estate planning lawyer near you, RocketLawyer’s lawyers will answer your divorce and separation questions and review your documents within the allotted 30-minute timeframe included in the RocketLawyer program.

If the issue is too complex to be solved in half an hour, the attorney can choose to keep working with you at the pre-negotiated Rocket Lawyer On Call price, which is 40% off the attorney’s hourly rate, or 10% off their flat fee. This price will be disclosed to you ahead of any billing.

This can be a good and affordable hybrid way of finalizing your divorce

How does Rocket Lawyer on Call service work?

RocketLawyer’s on Call service, or Ask a Lawyer, is included in the free trial, as well as the $39.99 monthly fee, which includes one free 30-minute consultations on each new legal issue.

If your issue is too complex to be solved in half an hour, you can keep working with your attorney at the pre-negotiated Rocket Lawyer On Call price of 40% off their regular fee, 10% off their flat fee, or $125/hr, whichever is greater.

What kinds of questions can I ask an attorney?

Anything as long as it is related to your legal issue!

How much does the Ask a Lawyer service cost?

If you choose to continue consultations with your RocketLawyer attorney, the fee is either 40% off their regular fee, or $125/hr, whichever is greater.

Is Rocket Lawyer’s Ask an Attorney service legit?

Yes, RocketLawyer’s Ask an Attorney service is legit.

Rocket Lawyer is an A+ Better Business Bureau rated company, and requires any attorney joining its On Call program maintain:

  • Graduate from an accredited law school
  • Licensed and in good standing in their state
  • No disciplinary history
  • Malpractice insurance
  • A transparent and predictable billing model
  • Be accessible via phone or email for ease of communication
  • Pass a Rocket Lawyer training orientation

Is Rocket Lawyer right for you?

Rocket Lawyer was created to make legal services less expensive and easier to access.

Based on their success, it appears they are achieving that goal — at least part of the time.

It’s nice to know there’s an online portal you can use to create legal documents or get real legal advice from a lawyer.

This is obviously a huge improvement over the days when you had to call a lawyer’s office, make an appointment, and potentially pay large fees whether your problem gets solved or not.

The fact that Rocket Lawyer offers a free trial is also a huge boon.

Having seven days to tinker around with the website and its offerings can be advantageous if you’re thinking of joining the service but afraid to commit.

A week may also be enough time to get your important legal questions answered or create a simple document you need, which could mean you get your legal issue taken care of for free.

Even at $39.99 per month, RocketLawyer can pay for itself.

Also, keep in mind that no commitment is required so you can cancel at any time.

Make sure to compare all your options before you decide which way to go.

As you move forward, focus on self-care, and healthy co-parenting for your children, as well as the future of yourself. Read our Rules for co-parenting successfully — even with the most toxic ex, like trying a co-parenting app.

With the right legal program and help, you can get unlimited legal documents and assistance for a price you can afford.

Rocket Lawyer reviews: What others say

RocketLawyer has high ratings and customer reviews from sites like Better Business Bureau, TrustPilot and ConsumerAffairs.com:

Rocket Lawyer reviews on the Better Business Bureau website

Rocket Lawyer has been accredited with the BBB since 2006, and has a rating of 4/5 stars, and an A+ rating based on more than 100 Better Business Bureau reviews.

Rocket Lawyer has been accredited with the BBB since 2006, and has a rating of 4/5 stars, and an A+ rating based on 60 Better Business Bureau reviews.

Rocket Lawyer reviews on ConsumersAffairs.com

RocketLawyer.com has a Consumer Affairs rating of 4/5 stars, based on hundreds of reviews:

RocketLawyer reviews on Trustpilot.com
RocketLawyer reviews on Trustpilot.com
Rocket Lawyer provides online DIY divorce papers and other legal forms, as well as affordable legal advice — for a good price. Rocket Lawyer review.
Rocket Lawyer provides online DIY divorce papers and other legal forms, as well as affordable legal advice — for a good price. Rocket Lawyer review.

RocketLawyer reviews on Trustpilot.com

Nearly 4,000 people have reviewed Rocketlawyer.com on Trustpilot, earning the site an average 4.7/5 rating.

RocketLawyer reviews on Trustpilot.com

Rocket Lawyer vs. LegalZoom

LegalZoom is a respected provider of online legal forms. In fact, WSM founder Emma Johnson has used LegalZoom for estate and business planning.

It’s a great place to find legal documents online; you’ll pay about $95 a year for unlimited downloads. Those who need ongoing legal advice can sign up for LegalZoom’s prepaid legal plans; individuals pay $9.99 to $11.99 per month, and businesses pay  $31.25 and up per month.

However, ongoing legal advice is included in Rocket Lawyer’s $39.99-per-month membership. Or you could use Rocket Lawyer’s a la carte option, paying $39 per document, about $50 for a question or about $60 for a half-hour consult.

Note: If you’re looking just for a divorce, LegalZoom’s costs $499 – much more expensive than other leading online divorce providers.

Rocket Lawyer vs. LegalShield

LegalShield (formerly Pre-Paid Legal) does not provide legal advice. Instead, it puts subscribers in touch with a network of attorneys who will draft and review documents, provide legal advice and represent individuals or businesses.

Depending on the plan, the cost is anywhere from $24.95 to $149 per month. LegalShield also sells supplemental coverage for home businesses, gun owners and trial defense; these cost an extra $9.95 to $12.95 a month. If an issue isn’t fully covered under the plan, or if the attorney reaches the limits of coverage (for example, after making one phone call or writing one letter), members can get a 25% discount off the attorney’s regular rates.

Note: LegalShield has been a multi-level marketing company since 1983.

Rocket Lawyer costs about $14 more per month than LegalShield’s personal plan, and is about the same price as its small business plan. However, Rocket Lawyer’s plan includes having basic questions answered by an attorney plus a 30-minute phone consultation for each legal issue; if you need more help than that, you’ll get as much as 40% off an attorney’s fee.  

Rocket Lawyer vs. Incfile

Incfile helps entrepreneurs get their businesses registered and also provides related services like bookkeeping, banking, tax consultation and annual reports. The initial cost depends on your state’s filing fees; subsequent services vary in price.

Rocket Lawyer can also help you incorporate an LLC, S-corp, C-corp or nonprofit. It offers some business-related paperwork as well, such as articles of amendment, trademark registration, business contracts and buy-sell agreements. Unlike Incfile, it won’t do things like help keep the books or provide tax consults.

If you’re focusing on multiple business-related documents and want help with running a business, Incfile might be a better choice.

Rocket Lawyer vs. LawDepot

Like Rocket Lawyer, LawDepot has hundreds of legal documents and offers a free 7-day trial. Unlike Rocket Lawyer, LawDepot offers no legal advice – just documents. (Except for divorce documents; all it has is a separation agreement.)

With Rocket Lawyer’s free trial, you get to ask an attorney one question for free. After that, the monthly membership fee includes attorney access, or you can get advice on as-needed basis.

If you need legal advice as well as documents, Rocket Lawyer is the way to go.

How much does Rocket Lawyer cost?

After the 7-day free trial is over, you can join Rocket Lawyer as a premium member for just $39.99 per month. With this level of membership, you will receive access to all the inclusions received above with unlimited use. You will also get a 40% discount when you hire a lawyer through their network.

Is Rocket Lawyer free?

No, Rocket Lawyer is not free. However, there is a great 7-day free trial.

How does Rocket Lawyer work?

Rocket Lawyer is a goldmine for contracts, divorce, separation and other legal documents, estate planning, and filing for divorce, all for a fraction of the cost it would take to hire an attorney to do this work for you. While you may not be able to use Rocket Lawyer’s online portal for complex legal issues or litigation, you can use it to connect with a lawyer for hire in your area.