Single mom resources: How to be a single mom and run your household like a boss

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Hi Mama! CONGRATULATIONS on investing in YOU. Whether you have been a single mom for years, or are exploring what solo parenting is all about, the fact that you landed on this page is huge.

If you are new here, know that, and its founder Emma Johnson are committed to the following principles:

  • Single mothers are capable of leading happy, abundant lives and families, regardless of how their families are structured.
  • Today, most single mothers were never married, or had at least one baby outside of marriage. We're so over the presumption that all single moms are divorced moms.
  • Financial autonomy is not only attainable for single moms, it is necessary for you to live your fullest life.
  • You are free to explore all romantic pursuits your heart desires. In other words: Dating does not hurt your kids, and in fact, a mom who is fulfilled in her dating and sex life is a better mom. Rushing to get married is a bad look (and get real: marriage probably didn't work out for you the first time, so why the rush to repeat that model?!).

What kinds of resources are there for single mothers?

Lots. This page is your go-to guide for all the resources, tools and support you need to blow this shit UP! Here you will find everything from ways to make quick cash, to how to build a sustainable career from home, caring for your mental health, the financial tools to protect you and your kids, and more.

Apply for my $500 Monthly Kickass Single Mom Stimulus Grant

Started during the 2020 Covid-19 outbreak, this weekly grant supports single moms doing it alone. Apply here >>

20 scholarships for single moms

Join the Millionaire Single Moms Facebook Group

First, if you're not already a member, join Millionaire Single Moms on Facebook. Rules include: No bitching, whining, man-bashing or being mean.

Not a week goes by when I do not receive an email, Instagram or Facebook message from a member of the group who says that the support of other single moms with similar goals of living a joyful life of financial independence, happy romantic life, and thriving family and self changed their lives.

All income levels and points in your journey are welcome. See you there!

If you are looking for new friends near you, we vetted a list of the best 21 apps for making friends and meeting new people for 2022.

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My emails are full of inspiring stories, tools, tricks and instruction on how to build an incredible single-mom life.

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Everyone experiences stress, and millions of people struggle with emotional and mental health challenges, including anxiety, depression, couples and relationship hardship, parenting questions, sleep issues and career and money woes.

Programs for single mothers

The government provides financial assistance and essential items for low-income single moms and their children, including: 

  • Cash assistance
  • Food assistance
  • Housing assistance
  • Child care assistance

We compiled all of these resources into a post for single mothers with no income, where we break down the qualifications and application process for each government program. Also check out: Help for single moms in 2022: 42 resources

Take care of your mental health

Online therapy with BetterHelp is a wonderful asset for single moms, as it is a fraction of the cost of traditional, in-person counseling, and that you work with a licensed therapist through text, email, voice or video, you save the time of travel, or the need to hire a babysitter.

BetterHelp has an A+ Better Business Bureau rating. Prices start at $60/week for unlimited messaging and weekly live sessions. Financial assistance available. Read about my experience with BetterHelp.

Read: Best online therapy sites for 2022

Need medical help, or prescriptions from home? Learn about online medical care.

Hire the child care you need

Whether you find a free or reduced local daycare, private daycare, after-school care, hire a babysitter, nanny, take your mom up on her offer to watch your kids, or swap with another mom, you absolutely cannot be a full-time mom and be financially independent.

Find child care providers, sitters and nannies in your area through for free. Or get a 20% discount on premium memberships with code JOINCARE20.

Speaking of outsourcing — this is why you can’t afford to do your own laundry.

Buy life insurance

I don’t care how broke you are, single moms need life insurance. Chances are, your kids are financially dependent on you. While you may not have a lot to invest in the future now, single moms can find life insurance for a very small sum — and protect your family

Bestow promises you will never have a medical or lab exam. With plans as low as $10 per month for coverage up to $1.5 million. Bestow policies are issued by North American Company for Life and Health Insurance®, a carrier rated A+ (Superior) by A.M. Best that was founded in 1886.

Create or update a will / estate plan

Every parent needs a will and estate plan. Not only will this ensure your family is taken care of in the event of your passing, but you enjoy peace of mind now.

Estate planning and will for single parents

Set financial goals

What you put out there comes back to you. Your prayers, hopes, gratitude. This is especially true of manifestations put out during tumultuous times when energy is being stirred up and tossed around.

Write down those goals and dreams: start a business, buy a home, vacation, renovation, investments and retirement. Sit with your dreams. Feel how it will feel when they come to fruition. Picture what your life, your family, your heart and body will look like when that comes true.

Aim for a low-conflict, low-cost divorce

Whether you are dissolving a marriage, or ending a relationship with someone with whom you share kids, the less time, money and toxic energy you spend now means more time, money and positivity going forward.

While a divorce lawyer may be necessary in a minority of cases (those involving abuse or where there are many millions of dollars of assets involved), most couples can agree to settle their divorces amongst themselves, and usually file online — saving tens of thousands of dollars in divorce lawyer fees

Learn about the benefits and how-to file for divorce, amicably, without an attorney: Top 10 DIY online divorce services for 2022

Declutter and sell your stuff for cash!

If you have an engagement ring, gold, silver, diamonds, as well as gold coins and bullion or silverware, unload these items for quick cash at the highest price with CashforGoldUSA — which has a BBB rating of A+ was found by a Fox Business investigation to pay 3X its competitors. CashforGoldUSA pays within 24 hours.

Get a free estimate immediately now with CashforGoldUSA's online calculator >>

Read: Should you sell your engagement ring after divorce?

Read: How to sell your gold jewelry for the most money

Build your career / side gig

If you're building a side gig or crave a career you can do from home, or with a flexible schedule, my #1 favorite resource is FlexJobs online job search, a huge website started by a mom who wanted to help women find careers that make sense for their families and lives. You can also find lots of opportunities on ZipRecruiter:

Increase your income

Of course you want more money. Read my posts on how to ask for a raise and negotiate a salary increase or promotion, as well as career-level at-home jobs, and side gigs — plus how to sell things you already have for cash.

Track your money and set budgets (get real, mama!)

Track your money and set budgets (get real, mama!)

You Need a Budget is a spreadsheet-based app that helps you pay off debt, create a budget and set and reach all your money goals. Try YNAB's 34-day free trial now >>

Read: How to set up a budget

Credit score, credit repair, and paying off debt

Check your credit report and get a free FICO credit score with Experian. Also, boost your credit score up to 16 points FREE and IMMEDIATELY with Experian Boost.

Read: How single moms can pay off debt in 14 easy steps

How to repair your credit quickly and safely

How to build credit fast

Invest your money

Ellevest is a robo-advisor and financial planning platform designed specifically to support women in building wealth, growing a career and creating an overall financial plan. Learn more in our Ellevest review.

Ellevest's Essential plan costs $1 per month or $12 per year, which includes access to:

  • A personalized investment portfolio that is tailored to your unique financial situation and goals
  • 0% minimum
  • Free online workshops, email courses, on-demand webinars, and video resources to help you learn about finances and career advancement
  • Access to an FDIC-insured Ellevest Save account*
  • 20% discount for one-on-one coaching sessions with financial planners and career coaches

Read: How to get started investing for women —step-by-step

Aim for healthy co-parenting

While you may be really, really, (really fucking) angry at your ex now, it is so critical to focus on equally shared parenting whenever possible, and civilized, collaborative co-parenting.

Co-parenting can be overwhelming, or even toxic. Luckily, there’s an app for that. Co-parenting apps can simplify scheduling, keep everyone on track. The right co-parenting app might even make co-parenting communication, schedules, activities and contacts easier and more effective.

21 parent control apps for 2022

Free, online parenting classes


Whether you are looking to meet new people after years of dating, or just dipping your toe in the romance waters, online dating has been my own BFF when dating.

9 reasons dating is better as a single mom

eharmony review — does this app really help you find love?

Which online dating sites are best for single moms?

Books for single moms

Check out my #1 bestsellers: The Kickass Single Mom: Be Financially Independent, Discover Your Sexiest Self, and Raise Fabulous, Happy Children (Penguin)

The New York Post called the book a ‘Must Read' and it was featured on The Doctors, Jenny McCarthy Radio, New York Times, Wall Street Journal, and more than 150 other media outlets!

— and —

30-Day Kickass Single Mom Money Makeover: Get Your Financial Act Together, Finally and Forever!

I'm proud to say both books are multiple-category #1 Amazon Bestsellers!

More single mom statistics and data founder Emma Johnson is an award-winning business journalist, activist, author and expert. A former Associated Press reporter and MSN Money columnist, Emma has appeared on CNBC, New York Times, Wall Street Journal, NPR, TIME, The Doctors, Elle, O, The Oprah Magazine. Winner of Parents magazine’s “Best of the Web” and a New York Observer “Most Eligible New Yorker," her #1 bestseller, The Kickass Single Mom (Penguin), was a New York Post Must Read. As an expert on divorce and gender, Emma presented at the United Nations Summit for Gender Equality and multiple state legislature hearings. More about Emma's credentials.