Kickass single mom resources!

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 familes, regardless of how their families are structured.
  • Today, most single mothers were never married, or 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?!).

This page is your go-to guide for all the resources, tools and support you need to blow this shit UP!

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!

Join the newsletter

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

Sign up now and get the FREE Guide—15 Steps to Thriving as a Single Mom:

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. Sit with them. 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.

Ellevest has a really cool and free goal setter on their beautiful website, founded by Wall Street legend Sally Krawcheck. This free financial planning tool will outline what it takes to reach your financial goals, whether that is to buy a house, start a business, remodel your kitchen, send your kid to college or camp, retire, have a baby or take that vacation, already! Use Ellevest's free financial planner tool now, and get $50 FREE for new users >>

Take care of your mental health

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.

Online therapy with BetterHelp can be 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. Prices starting at $40/week, unlimited, with 7-days free FREE online therapy!

Learn about BetterHelp online therapy now >>

Read: Best online therapy sites for single moms

Learn more: All about drug and alcohol addiction

Invest your money

Ellevest is one of the leading robo-advisors, which use machine learning to offer superior investing tools, for very low fees. Ellevest is unique in that it focuses specifically on female investors — and the unique investing, saving and career challenges that come with being a woman.

Bonus: When you use this link, you get a free financial plan from Ellevest + $50 to start investing >>

You can also invest in Worthy Bonds (5% interest rate!).

Use CollegeBacker to open a 529 college savings account for your child.

Read: How to get started investing for women

Read: Why it's important for women to invest: An Ellevest review

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.

Bestow promises you will never have a medical or lab exam. With plans as low as $5 per month, and smaller policies for 2 or 5 years (great if you are between jobs, recently divorced, or otherwise going through a big life change), Bestow is a unique life insurance program. But it is not all-new, as 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. Get a quote from Bestow online now in a few minutes.

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

Tiller is another awesome app to track and budget for everyday and monthly expenses — for a low monthly fee. 

Read: Tiller budgeting spreadsheet review

Read: How to make a monthly single mom budget you can stick to

Declutter and sell your stuff!

If it is an engagement ring, wedding ring or other estate, inherited or fine jewelry like a watch, necklace, bracelet, earrings or brooch, go to to sell your jewelry. Gold and smaller diamonds, as well as gold coins and bullion can be unloaded for quick cash at the highest price with CashforGoldUSA.

Read: Should you sell your engagement ring after divorce?

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

Credit score, credit repair, and paying off debt

Check your credit score for free using or

Read: Credit scores – what they mean and why they matter

The Credit People offers an excellent program to clean up your credit score, remove errors and late payments for fees starting at $39.

Read: The Credit People review

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

Savings & checking accounts

BBVA has had the best savings rate lately, and also has a great online checking account.

Also, check out CIT Bank's online Savings Builder account, with market high rates of 1.8% APR.

Read: 37 reasons every woman needs $1,000 in an account in her own name, and how to save it — fast!

House and home resources

Use New York Times's excellent tool to see if you should rent or buy a home: Rent or Buy Calculator

Read: Should you keep the house in divorce? How to decide …

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. Also, check out the job search site, as well as Steady.

Research salaries at Payscale and

Hiring a professional resume writer or resume editor is a huge advantage. A quality resume service will help you not only create a professional resume, but also help you frame your experience and goals in a way that you cannot do on your own. It always helps to have a second set of trusted eyes when it comes to important career moves. has helped more than 250,000 clients in 70+ specialties update and create resumes, CVs and LinkedIn profiles for students, professionals, executives, military, IT, and those seeking career changes (or getting back into work after staying home with kids, or other life events). Learn more about the quick, affordable services at >>

Read: Top high-paying work-from-home, career-level jobs for single moms 

Read: FlexJobs review: Does this site really have good work-from home jobs?

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.

OurFamilyWizard is one of the oldest, and most widely used co-parenting portals, mandated by judges in all 50 states and chosen by tens of thousands of divorced and separated families.

Our Family Wizard has a dynamic calendar, tools for sharing expenses, keeping track of school and medical information, and offers military discount, FREE 30-day trial, and fee waiver for low-income families. Plus you can add your lawyer, kids, grandparents, step-parents and others for no cost. Check out OurFamilyWizard now >>

Read: How to co-parent with even the most toxic ex

Learn more: Best co-parenting apps of 2020

OurFamilyWizard co-parenting app review


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. Affordable, easy, casts a wide net, and fun. EliteSingles is geared towards serious relationships, with 80% of users aged 30+ and 90% with college degrees. Try Elite Singles for online dating>>

Read: 9 reasons dating is better as a single mom

Read: Elite Singles review: A site for serious daters, with a deep personality assessment

Read: Which online dating sites are best for single moms?

Find a babysitter

Every single mom needs two things: a roster of fantastic babysitters (perhaps from that you can count on, and whom your kids love, so you can work, have a social and romantic life, and feel good about it since your kids are in great care. is a fantastic site that connects qualified, vetted, child care providers with moms who need those services! I cannot recommend this site enough. Thank me later. Better Business Bureau A- Rating. 

Find a housekeeper

You also need a housecleaner, so check out Professional women should not spend more than a few hours per week TOTAL (or less, ideally) on cleaning, laundry and other housekeeping work. also has a deep roster of vetted housecleaners who will save your sanity – and possibly life. Better Business Bureau A- Rating. 

Read: Why you can’t afford to do your own laundry (and how to outsource housekeeping & maintenance to save time)

More single-mom resources

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!


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

Resources for low-income single moms

If you are struggling to make ends meet, take comfort in the fact that many, many single moms have been there — including highly educated women who previously enjoyed high incomes.

Here are some resources to help you get on your feet:

HUD housing for low-income single moms

The U.S. Department of Housing and Urban Development (HUD) works with landlords to offer affordable rent to low-income families, including single moms, the disabled and senior citizens.

Learn how to qualify for HUD housing, and search for a HUD apartment on the program's website.

HUD also has various state-sponsored housing programs throughout the country. Learn about these state housing programs for low-income moms.

HUD public housing for low-income families is another option. Contact your state's Public Housing Agency directly to learn more.

Section 8 vouchers for single mothers

HUD Section 8 vouchers are coupons given directly to low-income renters who use them to pay part of their rent to participating landlords. Apply for Section 8, and find participating property owners.

Buy a home as a single mom

Even if your income is low, you may qualify for special home buying programs for single moms, and those with limited income. The blog Single Moms Income has a great resource page about home-buying programs for single moms.

Get a free car, or help buying a car as a single mom

Free Charity Cars gives away donated cars throughout the United States to those in need, including:

  • Domestic violence victims
  • The medically needy
  • Victims of natural disasters
  • Families transitioning from public assistance to work
  • Families living in transitional living shelters
  • The working poor
  • Non-profit organizations
  • Military families

Working Cars for Working Families helps those in need find a donated car.

Read: How to buy a car as a grown-ass woman

Food pantries

Find a food pantry near you using Food Finder, which will connect you with free food given away through local churches, community programs, charities in all 50 states.


The Women Infants and Children program for families with children aged 5 and younger offers food coupons you can use at grocery stores, markets and bodegas, for qualifying food. Learn whether you are eligible for WIC, and how to apply.


TANF, or Temporary Assistance for Needy Families, is the new name for cash assistance once called ‘welfare.' Today the program requires participants to work part-time or prove that you're looking for work. Learn more about TANF.


The Supplemental Nutrition Assistance Program loads financial credit to low-income people on a debit card, that you use at your local grocery store and market. Learn how to qualify, and apply online for SNAP.

Free cell phone

Lifeline Assistance is a government program partners with major wireless companies to provide qualifying families with free phones and cell service.

Safelink Wireless is a free government cell phone carrier serving 4 million customers in 31 states plus Washington, D.C., and Puerto Rico. Safelink provides a free mobile phone and up to 350 free local and domestic long-distance minutes monthly, and unlimited text messages every month if you qualify.

Assurance Wireless provides a free phone and up to 500 monthly minutes and unlimited texting in the United States to qualifying members.

Medical insurance for low-income single moms

Medicaid is a joint federal and state medical insurance program for low-income families. Find out if you qualify for Medicaid, and learn about your state's benefits.

Help paying for child care for single moms

Public assistance day care programs

Each state's Health and Human Services can help you find grants for low-cost or free daycare, based on your need, income and program availability in your area. Learn about your options at the Office of Childcare Website.

Head Start day care

Head Start and Early Head Start is an established federal program that has proven successful in providing educational readiness for low-income children under age 5 from low-income families. The program's goals are to help all children get ready for school, as well as provide affordable child care to their parents.

Find Head Start programs near you >>

State child care assistance subsidies for single moms

Each state has child care assistance programs that can help you find quality day care centers, and pay for them. Find programs in your state and town with the Office of Child Care's website.