The Single Mom Money Moves Guide. 141 pages of plain-English moves you can do one at a time. You were never bad with money.
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Dial 211 (or 211.org) for emergency rent, utility and food help where you live.
When they pick up, say: “I’m a single parent. I’m behind on [rent / power / food] this month. What emergency help can I get in [your county]? Can you check everything, not just one program?” Write down every name and number they give you.
IRS Free File (income $89,000 or less) lets you file online for free. If you want someone to do it with you, VITA (about $70,000 or less) and GetYourRefund have IRS-certified volunteers who file for you at no cost.
If you’re in danger at home, call the National Domestic Violence Hotline at 1-800-799-7233. It’s free and private, day or night (thehotline.org). If tonight feels heavier than money, call or text 988. That’s free too.
Please use these whether or not you ever buy anything from us.
Real pages from the guide. Swipe to look inside.
What to do when rent is due and the account is empty. The free calls that move money, and how to claim the benefits you qualify for, including the 2026 rule changes.
The single-mom tax code, childcare you can afford, child support you’re owed, a budget for income that isn’t steady, and building credit from nothing.
An income ladder, not a hustle list. Cash for this week, a flexible skill like making short videos for brands, and a Job Map of where to apply.
The move nobody tells you to make: a will, a named guardian, and low-cost term life cover that protects your kids.
RUN THE MOVE. The exact steps, in order, in plain English. If you only ever do the boxes, you’ll still be ahead.
One income, against costs built for two. That’s arithmetic, and arithmetic can be worked.
A woman at a grocery checkout puts her groceries onto the belt one item at a time and sorts it into two small groups. One group is going home. One is going back.
You felt it before you saw it. The look. The little recalculation somebody does when they decide what kind of mother you are, based on a checkout line.
The woman behind her in the line looks up, takes her in, and holds the look. Then her eyes drop and she turns back to her own basket, having settled something.
Here’s what they couldn’t see. You are doing the hardest financial job in this country, one income, against costs that were built for two and never halved. And you are not the only woman doing this math tonight.
Later, alone in her car, the light going gold across the windshield. She closes her eyes and lets a breath out.
It was never your shame to carry. Put it down. Then let’s go find out what you may already be owed, and how to claim it.
Filing as Head of Household, plus the tax credits you qualify for, can be worth thousands. The top of that range fits a family with two kids and about $28,000 to $32,000 in income; with one child it is lower. The IRS says about one in five people who qualify for the Earned Income Credit never claim it (take-up was 80.8% for tax year 2022). The guide walks you to it step by step and shows you how to file for free.
The guide lists its sources and dates, so you can check the figures yourself.
The whole guide is also a full audiobook, chaptered so you can jump to the part you need. Listen on the school run. Listen while you fold clothes.
Same guide. Pick what fits your week. No upsell on the other side.
Single Mom Money Moves is the single-mom side of Young Money Creators: free, plain-English guides on benefits, tax credits, emergency help and earning around a kid’s schedule, a free refund checker, and this guide. Every number is sourced and dated. Find us on Facebook and Instagram.
A 141-page PDF guide with 20 chapters in 4 acts. It reads well on a phone, tablet or computer. The $27 option adds the full 6-hour audiobook in 34 tracks.
It’s emailed to you right away. Instant download. Nothing ships.
You don’t have to. If this week is hard, start at Chapter 2. Or just do the RUN THE MOVE boxes at the end of each chapter. Or listen with the audiobook.
No. It’s education. The guide lists its sources so you can check the figures. For your own situation, talk to a licensed professional.
Email [email protected] within 30 days and you get a full refund. No forms, no questions.
0:26 · Captioned
Twenty-six seconds. It only starts downloading if you tap it.
Chapter two starts with one free phone call, and the words to say when someone picks up.
A kitchen counter at night, one lamp on. A woman stands with a book open flat in front of her, reading. The camera settles slowly onto her hands and the page.
Nothing has to change first. Not the week. Not the paycheck. Not who’s around.
Chapter two is called, When Rent’s Due and the Account’s Empty. It starts with one free phone call. And the words to say when someone picks up.
There’s one you can listen to, when your hands are full.
Same price Friday.
Ten minutes is all tonight has to hold.
Get the guide — $19 Or get it with the audiobook, $27. Thirty days to change your mind, either way.
Plain-English answers to the money questions single moms ask most. Every number is sourced and dated.