1. Home
  2. Financial Survival Guide for Single Parents
Featured Experts
Rico Nelson
Rico NelsonVice President at MassMutual Colorado, CLU
Benjamin Nachman
Benjamin NachmanFounder & CEO at Jassby
Ryan Savage
Ryan SavageMortgage Loan Originator at First Community Mortgage
Maran Mascaro
Maran MascaroAdministrative Associate, Washington Military Department
Karen Vibe
Karen VibeAssociate Branch Manager, Managing Director at Ameriprise Financial Services
Written by:

Single parents may have a different financial plan than those who are married or live with a domestic partner. While you may face many changes, you can still thrive and develop ways to manage your money.

There are resources and assistance programs available for single parents struggling to navigate child support, car insurance, emergency funds, home loan and debt, to name a few financial adjustments. You are not alone.

How COVID-19 Affects Single Parents

COVID-19 has upended life for people around the world. According to the Pew Research Center, single parents are more likely to live in poverty than parents who are together, and women are more likely than men to be parenting solo.

Single mothers, who don’t have the option to trade child care and work duties with a partner and are more likely to work low-wage jobs, are at the greatest disadvantage, according to the Brookings Institution. Low-wage jobs in the retail and hospitality industries can’t accommodate work-from-home arrangements, so when school isn’t in session, single parents can’t work.

The Brookings Institution also notes that 17% of working women (more than 10 million) and 12% of working men rely on the school and child care systems to watch their children while they are at work.

Parents who can work remotely also need to figure out how to balance conducting full-time work and manage their children’s schoolwork. For children in school districts that have moved to a partial or full distance-learning model, this can range from starting a child’s Zoom meetings to conducting multiple daily assignments, overseeing work production and documenting evidence of work to submit to the child’s teacher.

Insight From Single Parents

Maran Mascaro, Executive Assistant to the Chief Financial Officer of the Military Department Washington, and Ryan Savage, a Mortgage Loan Originator at First Community Mortgage in Tennessee, spoke about the financial challenges of being single parents.

  1. What financial resources are available to single parents who also are veterans or students?

    I’m not aware of anything that single parents who are also veterans are entitled to by virtue of their single-parent status alone. However, it is important to check out benefits for veterans who are offered by specific states. It’s slightly different from location to location, but there are some real finds for financial savings available. For example, Washington State is now offering the Veterans Innovations Program, which offers supportive services to veterans who are experiencing financial hardship.

  2. What’s the most challenging thing about being a single parent?

    For me, the most challenging thing about being a single parent is time management, with budgeting being a close second. There are a lot of planning and logistical challenges involved in both, and one needs to mentally prepare to tackle them. It adds to the emotional burden of parenting, so preparation is key.

    Early on, it was balancing a family budget. Shared expenses, such as rent or mortgage, utilities (and) food, are now your sole responsibility on half or less of your previous household income. This then creates the problem of finding a second job or trimming unnecessary items from your budget. The second job takes time away from your kids and limits your ability to create a much-needed new social life, which can lead to isolation.

  3. Do you have any advice for newly single parents or separated single parents?

    My advice for new single parents and newly separated single parents is — first and foremost — believe me when I say that you absolutely CAN handle this. It is going to feel like a lot, but you can do it. Don’t doubt yourself. And, if you feel like you’re struggling, don’t be afraid to ask for help and reach out to your support network. I asked a financially-savvy friend to help me create a budget because figuring it out on my own felt like too much.

    Also, since you will have more household management tasks on your plate, try to carve out a little time for planning and/or budgeting every night. I find that even taking a quick five minutes to make a to-do list is a big help, even if I can’t manage anything else. And, of course, be kind to yourself. Don’t beat yourself up if you have a bad day. Being a single parent is hard, and most days aren’t going to be perfect.

    Invest in yourself. Find hobbies and activities that build your self-worth and help you gain confidence. Your kids need the healthiest version of you. Dating is probably not one of those hobbies and activities you should pick up initially. Find your value in who you are outside of a relationship. While investing in yourself, invest in your kids. Give them your full attention while you are with them. Be present. Put your phone down. Be open with your life on their level. It will invite them to be open with you.

  4. What are the most important considerations for building a budget as a single parent?

    I believe the most important thing about building a budget as a single parent is being honest with yourself about your financial situation. When I became single, I had to take a hard look. My life was completely different after my divorce was finalized, and it took me some time to realize that I would need to account for those differences in my financial planning. I did not have a dual-income money pot to draw from any longer, but I also had fewer expenses. I enlisted the help of a friend to help me look at things objectively, and it took me a while to find the balance.

    Try not to let divorce affect your kids’ quality of life. There is an aspect of divorce that you will never be able to shield your kids from, but trying to allow their life to continue as normal as possible is a pressing desire. However, you can’t let their basic needs suffer because you want them to do gymnastics, soccer or other extracurricular activities.

  5. What’s your biggest struggle parenting in the time of COVID-19?

    Without a doubt, child care was and is my biggest challenge as a parent during the time of COVID-19. My daughter is four years old and has special needs, and it is exceedingly difficult for me to work from home during the time when she is awake. I know many parents struggle with this problem. I am fortunate that I have enrolled her in an excellent care program with stringent safety rules regarding the pandemic, but, of course, the trade-off is that the cost places a burden on my budget.

    Helping my kids realize that this is temporary (is my biggest struggle) and that so many people are overreacting on both sides of the argument. I have enjoyed the extra time with my kids, thanks to online school and working from home more.

  6. How easy or difficult is it to qualify for a mortgage as a single parent?

    I am fortunate to be a recipient of the VA Loan, so it was a very simple process to qualify for a loan. My status as a single parent really didn’t seem to be much of a factor in the loan procurement process.

    It’s easy as long as you have good credit, steady employment history and your debt-to-income (ratio) are below the requirements. I know so many single parents have been left with debt from divorce or have insufficient income to afford the same home they’ve been accustomed to living in. It’s important to take control of your finances and credit early on. It may take a few months or even years to turn around some situations. But addressing this early on is the key to reaching your goals.

Maran Mascaro
Maran MascaroAdministrative Associate, Washington Military Department
Ryan Savage
Ryan SavageMortgage Loan Originator at First Community Mortgage

6 Money Challenges Single Parents Encounter and How to Thrive

The most pressing challenge single parents face is creating and sticking to a budget. Saving for retirement and your child’s education are great things to do, but they may not be possible for people living paycheck-to-paycheck.

According to the Brookings Institution, “63% are in their prime working years (ages 25-54), and 57% work full-time year-round, indicating the position is not a side activity.” In addition, 41% of single parents live in households that are 200% below the federal poverty level.

Single parents also face challenges with debt and improving their credit scores, finding affordable child care and securing the appropriate auto insurance policies.

1. Budgeting

Building a budget as a single parent presents more challenges than partnered parents because they don’t have another person to share expenses. Track your spending for a few months to build a budget, considering your fixed expenses (such as rent or mortgage and insurance) and variable expenses (such as utilities, gas and groceries).


Single parents who are living on a low income or paycheck-to-paycheck have the most pressing challenge. If you have to, you can get a roommate or use a service like CoAbode to find another single mom to live with and share expenses and household chores. Some single parents have even listed a bedroom on Airbnb to bring in extra income.

Be as honest with your children as possible, given their ages, to help them understand that they can’t have everything they may want, but they will get what they need. Teach them why you’re making the decisions you are, so they have a better understanding of how to plan their own finances when they get older and money concepts such as compound interest.

2. Tackling Debt and Improving Credit Scores

After building your budget and accounting for your basic expenditures, the next thing to do is to set up a plan to pay off any debts. You’ll want to pay off loans or credit cards that have the highest interest rates because you’ll save the most money that way.

Experian analyzed consumer debt from 2009 to 2019 and found that “average student loan balances saw the largest increase in the past decade — growing more than $15,000, or 73%. Auto debt experienced the second-largest growth, and retail credit card debt followed with the third-highest increase.”


One way to pay down a credit card is to transfer the balance to a new account with a 0% interest rate. Research the best credit cards, and don’t forget: How much you’ll qualify for depends on your credit score and payment history. If your credit score is less than optimal, you’ll first want to call creditors and work with them to establish a payment schedule you can follow. Then make sure to pay your bills on time. Lock your cards so you can’t use them. These steps can help you start improving your credit score.

Finally, keep an eye on your annual credit report and pull it once a year to make sure there are no surprises. Your report is a good way to watch out for stolen identity and someone else attempting to open accounts in your name.

If you’ve been a victim of identity theft, you should freeze your credit with each credit bureau: Experian, Equifax and Transunion. Freezing your credit means you won’t be able to open new accounts, so you’ll have to unfreeze your credit with each bureau to take out a home or auto loan, but it does provide peace of mind.

3. Child Care

Searching for affordable child care can be difficult if single-parent families are relying on one income. According to Child Care Aware of America, 36% of a single parent’s income is spent on child care, but it can vary depending on the number of children and where you live. The national average cost of child care is between $9,100 to $9,600 a year for one child.


If you have the means, you can split child care costs among both parents equally. You’ll have to discuss this option with the child’s other parent. However, childcare still has a hefty price tag.

Luckily, during COVID-19, many jobs are remote. Single parents who work remotely can save on child care costs by keeping their children at home. This is a great option for those who could work when their children are sleeping, such as freelance writers, editors, graphic designers and jobs with flexible schedules.

Another option is to opt for in-home care instead of a day-care center, which might be cheaper. But parents should vet in-home care providers appropriately to make sure they’re certified. The last option is to rely on the patchwork care that family and friends can provide to help you during after-school hours or for a few days during the week so you can work.

Federal programs such as Head Start can also help reduce child care costs. Head Start uses your income to determine if you are eligible.

4. Homeownership

Buying a home can be a great investment for single parents if they live in an area where renting is more expensive than buying and if they have the money for a down payment and closing costs.

Jason Hidalgo, a USA Today Network reporter who covers real estate, said as a general rule, you don’t want to spend more than 30% of your gross income on housing. Unfortunately, it can mean homeownership is out of reach for many people due to record median home prices and record rents.

“In a normal market, the cost of buying a home typically starts to break even with the cost of renting an apartment by the fourth or fifth year, and everything from that point onward basically builds wealth (barring a real estate crash),” Hidalgo said. “There’s a reason why homes are typically the largest source of wealth for U.S. households. You’re essentially paying yourself as opposed to an apartment owner.”

Pros and cons of buying a house



  • Homeowners get tax breaks.
  • You’re building equity in your home instead of just paying rent every month.
  • Fixed-rate mortgage payments stay the same from month to month.
  • You can modify your home however you like.


  • Homeowners associations can be a hassle. Make sure to research prospective HOAs.
  • There are additional costs associated with buying a home (and even more for selling), such as inspections, insurance, mortgage insurance and title fees.
  • Home repairs are on you.
  • It costs a great deal to sell your home, so you’re less mobile.

The first thing to figure out is how much house you can afford based on your income and debts. A mortgage lender will consider your debt-to-income (DTI) ratio to determine how much you qualify for, which will determine your house budget. Your debt-to-income ratio is especially important as a single person since you’ll be the only person paying for the expenses. Ultimately, this means you’ll probably qualify for less money for a house than if you had a second income.

However, just because you qualify for a large amount does not mean you should buy a house at the top of your budget. Keep in mind that you should still have an emergency fund. Another thing to consider is whether you’re interested or have the ability to do your own home repairs. If not, renting might be your best bet.


Qualifying for a mortgage requires good credit and steady employment on a W2. The first step to buying a home is to work with a mortgage lender to get pre-qualified. There are special qualifications for first-time homebuyers and veterans.

Single moms and dads can still qualify for conventional, first-time homebuyer and VA loans as long as they have good credit and steady employment history. VA loans don’t require a down payment and FHA loans require only a 3.5% down payment. Both of these loans are options if your credit is in the 580 to 620 range.

Calculate what you can afford by putting the price of the home, as well as the interest rate you qualify for, and down payment into a mortgage calculator tool. By doing this, you can shop within your budget.

Additionally, Fannie Mae offers a conventional loan program called HomeReady for first-time homebuyers with a low income, and Freddie Mac offers the Home Possible loan. Both of these programs only require a 3% down payment.

5. Insurance

Single parents who don’t have another partner to build an emergency fund in case of a disaster may need comprehensive insurance policies — home or renters, life, health and auto policies, which can protect you and your family when tragedies occur.


Homeowners and renters insurance protect your dwelling, as well as your personal property or contents, and are great protection in case of a fire or other natural disaster. Compare home insurance quotes so you can purchase the coverage you need.

Some insurers offer multi-policy discounts, so check with the company that carries your home insurance to see if they also offer auto, health or life insurance.

If you need auto insurance, shop around and compare car insurance quotes to see which insurers offer the best rates. Your auto insurance cost may not decrease as a single person. You may see a slight change rather than saving more on car insurance, so it’s a good idea to check with your current provider or explore other options.

Health insurance could be a challenge for single parents if they were covered under a former spouse’s plan. If that’s the case, you’ll have to secure your own health insurance policy because once your divorce is final, your former spouse’s insurance carrier will remove you from his or her plan. Open enrollment for health insurance through the Affordable Care Act (ACA) marketplace is available through December 15. Cost is the biggest barrier to affording insurance, but some states offer subsidies for low-income earners, so make sure to check into that if you qualify.

Finally, consider getting a basic life insurance policy, which would protect your dependents in the event of your death. Term life insurance is the cheapest option and might be best for single parents on a budget. Permanent life — which includes whole life and universal life — is another option, but it could be costly.

6. Saving for the Future

Getting in the habit of saving is difficult but important. You’ll want to “pay yourself first” and establish an emergency fund that covers three to six months of expenses in case of an emergency. American families, unfortunately, typically don’t have that much in savings.

“While the typical Black or Hispanic family has $2,000 or less in liquid savings, the typical White family has more than four times that amount. Other families fall somewhere in the middle, with the typical family holding $5,000 in liquid savings,” according to the Federal Reserve’s 2020 study “Disparities in Wealth by Race and Ethnicity in the 2019 Survey of Consumer Finances.”


Start small if you have to with saving $50 a month. If you can, have the money deducted from your paycheck, so you don’t miss it, or set up an automatic transfer to your emergency fund (and disconnect it from your debit card so you can’t withdraw money from the account.) Setting up a few different savings accounts is a good option: One savings account for your kids, one strictly as an emergency fund and another as a discretionary savings account.

Maximize contributions to your 401(k) account if your employer offers one. If not, set up a Roth IRA with a financial advisor or your bank to start saving for retirement.

Featured Blogger for Single Parents
Nakisha Wynn

Nakisha Wynn is an African-American mom blogger and mother of four. She is a speaker, entrepreneur and content strategist who empowers moms to pursue the life they want by developing extra income and leveraging online marketing. Her mission is to help moms discover how they can make money from home while actively raising a family.

"Achieving financial freedom as a single parent can be quite simple,” Wynn said. “Invest wisely, budget ruthlessly, but most importantly, create multiple streams of income. Having many ways to make money will allow you more freedom and flexibility when managing a household solo." Visit Nakisha's Blog

Frequently Asked Questions Regarding Single Parenthood

Additional questions single parents may wonder about include food assistance, resources to help single parents attending college, what the child tax credit is, whether their kids can qualify for financial aid, whether they can adopt or foster kids and whether they qualify for housing assistance.

How can a single parent find assistance with food for their kids?This is an icon

Some single parents may qualify for Special Supplemental Nutrition Program for Women, Infants and Children (WIC) (WIC) programs for families with children younger than 5, which provides coupons for use at grocery retailers. You also may be eligible for the Supplemental Nutrition Assistance Program (SNAP), but you’ll have to see if you qualify based on the requirements of the state where you reside. Additionally, FoodFinder lets you search for food pantries near your location.

How to manage being a single parent while going to school?This is an icon

Single parents who are attending college face obstacles like time, child care availability and resources. The U.S. Department of Education’s Child Care Access Means Parents in School (CCAMPIS) program provides colleges with funding for on-campus child care services to help students with a low income. Parents who have a low income and are eligible to receive a Federal Pell Grant are also eligible for the CCAMPIS program.

Additional grant opportunities include:

How much is a child tax credit for a single parent? This is an icon

Only one parent can claim a child during tax time, so you can take turns claiming the children, or one parent can claim one child and the other parent claims the other child.

You can claim a child tax credit (CTC) for each child under 17 who is a citizen. It is up to $2,000 for each child. For single parents, “the credit is reduced by 5% of adjusted gross income over $200,000” compared to $400,000 for married couples, according to the Urban Institute and Brookings Institution’s Tax Policy Center.

How can children of single parents be assisted in school? This is an icon

The first thing anyone seeking financial assistance for college needs to do is fill out the Free Application for Federal Student Aid (FAFSA) form. This form allows you to apply for financial aid if you plan to attend college or graduate school, which will determine your family’s expected financial contribution and is the first step to qualifying for grants, work-study programs or loans.

Research scholarship opportunities and use a scholarship finder tool. Type in search terms like “single parent” to find specific scholarships you’ll likely qualify for.

Can a single parent adopt or foster children?This is an icon

Single parents can adopt or foster children. Start with looking for local foster care and adoption agencies. Child Welfare Information Gateway provides a national foster care and adoption search directory to help you find contact information in your state. Requirements for fostering children vary according to state, but it can include a minimum age requirement, criminal background check, income, housing, health, transportation and approved home study.

The Adoption and Foster Care Analysis and Reporting System (AFCARS) found that around 15,000 single women and 2,000 single men adopted children or youth from foster care in 2017. “More than one-quarter (28%) of the children adopted from foster care in (federal fiscal year) 2017 were adopted by single people,” according to the Child Welfare Information Gateway’s July 2019 factsheet for families.

How much housing benefit is a single parent entitled to?This is an icon

Single parents who are struggling with finding appropriate housing can use the U.S. Department of Housing and Urban Development (HUD) Resource Locator. This locator can help find affordable housing near you, the local HUD office, the local public housing authority or agency (PHA) and affordable senior housing and for those who have special needs.

Rental assistance programs with qualified income limits, HUD Section 8 housing vouchers, state-sponsored housing and HUD low-income public housing can also be options if single parents qualify.

Advice From Financial Planning Experts on Single Parent Finances

  1. What are some good guidelines for building a budget as a single parent?

    According to a recent survey by Jassby, 1 in 4 parents has been terminated or had to quit their jobs because of child care issues related to the pandemic. While this might be feasible for a two-parent household, it can be crippling for families with a single earner and caregiver. For single parents who have to focus on breadwinning, having a child care budget and plan is essential.

    Single parents should adhere to the appropriate hierarchy of cash flow allocation when establishing a budget. Here is the hierarchy:

    • Gross income (all total active or passive income received)
    • Protection costs (the cost allocated to medical/dental/disability/life insurance, group benefits, legal documents, etc.)
    • Savings (savings, certificate of deposit or CDs, money market, mutual funds, 401K and other qualified funds)
    • Liabilities and taxes (student loans, credit cards, car notes, mortgages and state/federal income taxes and other debts)
    • Living expenses (utilities, phone/internet, entertainment, food, etc.)

    This pattern of cash flow allocation will help a single parent establish an efficient wealth-building foundation that requires optimized protection, a 20% savings rate, an efficient debt and tax structure and a budgeted lifestyle.

    First step: Track every receipt (and) know where your money is going every day, month and year.

  2. Is it more important to pay down debt or establish an emergency savings fund?

    Building a healthy liquidity position (emergency fund) should take priority over paying down liabilities. But just one notch ahead in terms of priority. The baseline for healthy liquidity (emergency fund) is to have access to 50% of your gross income available within five to seven days without severe tax or penalty. Healthy liquidity provides you with three very important things.

    First, it alleviates dependence upon the need to utilize credit cards. Second, it allows for six months to identify a new work situation if job loss occurs. Third, when the time comes to begin investing money, these investments can be made with surplus dollars, which creates a healthier approach to investing money in risk-based assets.

    Having an emergency fund is more important than paying down debt because it can give you confidence that the next “emergency” will not build your debt back up. And if you have credit card debt, see if you can negotiate a lower interest rate with your credit card companies to help with fees.

  3. Are there any resources for single parents who are struggling to educate their children during the time of COVID-19?

    According to a recent Jassby survey, 44% of parents are turning to online material to supplement their kids’ education. Parents are thinking outside the box for their children, embracing a more experiential way of teaching that emphasizes learning by doing. To this end, 1 in 4 parents pay their children an allowance to encourage a focus on schoolwork, using family finance and allowance apps to help kids turn theory into practice.

    There are programs available through most public school systems that are effective in online learning. A few examples are IXL (Learning), ABC Mouse, Epic and storyline online, where children have the ability to watch celebrities read books. There are many others, and there is some due diligence required by each parent to identify which program might be most effective based on the child’s age and ability.

    Yes, the internet offers a wide variety of free educational video resources, depending on age.

  4. Are there any good books or other resources for single parents who are planning their financial future?

    There are many good books on the subject of finance. But one book is great at contextualizing the habits required as well as the big picture outcome associated with building a financial legacy. The book is called “The Slight Edge” by Jeff Olson. It’s about the force that drives compound interest and how it similarly affects success and failure in anything over time. It’s a great read for a single parent looking not only at impacting their financial situation but at excelling in all aspects of life where discipline, effort and time are required.

    “Millionaire (Women) Next Door” and “Think and Growth Rich” are two audiobooks I recommend parents listen to in the car or while doing household tasks.

  5. How does being a single parent affect your child’s future college funding?

    Being a single parent often goes hand-in-hand with having fewer household funds, especially when it comes to more distant goals like college. While many single parents save on behalf of their children’s future educations, teaching children how to make their own way in the world is especially important. This self-sufficiency education involves teaching (them) how to budget and save at a younger age, whether it’s for short-term desired purchases or to meet long-term goals.

    Being a single parent can greatly affect college funding. The most obvious reason is attributed to having only one household income rather than two. In general terms, this means that every dollar coming in has to go further, and as a result, there is typically less available for discretionary spending and saving. This can be a benefit in the future for children who excel in school and earn scholarships. The reason is that the single parent is required to fill out a FAFSA (Free Application for Federal Student Aid), which is required to receive financial support for college. In general terms, the child who comes from a household that is less equipped to assist with college funding will be more eligible to receive grants and loans.

    Kids have a huge part in their own future learning. This is what was taught to me, and I believe it. The No. 1 job of your child is to pay attention, learn and grow in knowledge and skills to get scholarships or apply for their own loans. What colleges they get into will depend on the hard work they put in until age 17. Parents can help with this! How? By engaging in accountability with homework and developing talents. Parents like mine could not afford to pay entirely for college; they invest(ed) their time and energy in helping their kids get the grades and skills they need(ed) to get scholarships or get into the college they want.

  6. How can single parents find a financial planner, and how much does it cost?

    There are several ways to identify a financial planner: the key is identifying a good financial planner. Fee-based planners are great for clients who have a number of different items to handle. Protection planning, wealth building, debt and tax management, as well as cash flow planning, are all areas of importance. A fee-based planner that represents strong financial institutions will likely be able to speak to each of these areas. In my experience, the best way to find a good financial planner is through the introduction of a reputable licensed professional who you trust and can validate the character of the advisor recommended. Dealing with money is very personal. If you have an attorney or a CPA who you trust and respect, you can start by discussing what you are looking to accomplish with them. They can help you to begin moving in the right direction. I also recommend meeting with at least three financial planners before making a decision regarding who(m) to work with.

    Referrals are the No. 1 source for building my business. I would ask the wealthiest person you know (or someone you respect with finances) where they get their expert financial advice. Start there. Interview them. Ask about their planning approach, fees and how they work with clients. Ask them if they are willing to help you grow your wealth for the future. And then, your job is to focus on your financial plan. You are paying an expert to help you — take the advice and commit to following it!

Benjamin Nachman
Benjamin NachmanFounder & CEO at Jassby
Rico Nelson
Rico NelsonVice President at MassMutual Colorado, CLU
Karen Vibe
Karen VibeAssociate Branch Manager, Managing Director at Ameriprise Financial Services

Resources for Single Parents

Single parents can access federal government support, such as Temporary Assistance for Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP) for food stamps loaded onto an EBT card and HeadStart preschool programs. There are also advocacy organizations and community support groups to help single moms and dads navigate solo parenting.

Educational Support and Assistance

Advocacy Organizations

  • Afterschool Alliance: This advocacy group is working to raise awareness around the need for providing after-school care for all children. It has a cool tool that allows users to see budget impacts state-by-state for after-school programs to see if they’ve been affected.
  • Single Parent Advocate: This is a nonprofit, faith-based organization that provides information and resources to single parents to help them raise thriving children.
  • The Singletons: The Singletons is an Arizona nonprofit that provides help and resources to single parents who are facing a cancer diagnosis or have a child who has cancer. Parents can request services like meals or help with child care.

Community Support Groups

  • Parents Without Partners: This organization is a nonprofit 401c(3) dedicated to supporting single parents without partners and their children. It’s a non-sectarian organization and has a Facebook group where parents can follow.
  • Single Mothers Outreach: This organization is for single parents in the Santa Clarita Valley of California who have children aged 18 and younger. It provides case management, support groups and special programs like adopting families for the holidays.
  • Single Parents Alliance of America: Make new friends and connections through this community that aims to provide support and resources for single parents.

Government Programs and Assistance

Housing Assistance Resources

  • Fellowship Housing: This Illinois program provides housing to single mothers and their children, teaches them about financial management and helps them secure long-term housing upon graduation.
  • U.S. Department of Housing & Urban Development: This resource locator pinpoints your location so you can find nearby affordable housing, the nearest HUD office or the local public housing authority.
  • Warwick Dunn Charities: NFL veteran Warwick Dunn’s charity helps people with down payment assistance, home furnishings and home purchases. The charity has donated 173 homes to single parents through the organization, alongside Habitat for Humanity.
About the Author

Laura Longero is a professional single mother and award-winning writer and editor who lives in Northern Nevada. She owns a condo and enjoys translating technical information to help others pave their way to financial freedom.