Contributed by- Amy Nickson It’s not easy being a single mom as you often face challenges like managing unexpected expenses without extra income from a spouse apart from the burden of caring for the child. But it is the time that you stop making excuses and begin to take charge of your life and of your baby. But your situation can take an adverse turn if you financially default on your college loan payment. How can single mothers pay off student loan debt? You can apply for grants designed for women to overcome your financial problems. These days, many single […]

A guest post by Giles Kirkland When it comes to being a parent, some costs are necessary, others are not. For most families, the car falls within the former. Whether it’s the daily school run, doing the shopping or the various other duties that ultimately arise, a vehicle is a big part of family life. That being said, it is seldom cheap. Other than your house, it’s hard to think of something that comes with as many upkeep cost. Whether it’s car insurance, maintenance, fuel or servicing, managing the financial aspect of a car is a lot like handling a […]

As someone who has quite a bit of experience with this – I can tell you that sometimes it feels like debt is just inevitable. You are always going to be behind anyway, so what’s the point of getting out of it? It’s super easy, especially when there are times that no matter what you do to get ahead it feels like you are just always falling backwards, to just give up and give in. I mean, why even bother? Why work your butt off when you know nothing is going to change? You will always need something that you can’t […]

Were you aware the only plausible way for a woman to pay off an astronomical amount of debt is via prostitution? Yeah, I didn’t either. But that’s what someone actually said about me. I guess stripping isn’t an option for moms, but turning tricks makes sense. Unfortunately, it was much less exciting, and took a heck of a lot more work than it would have had I thought of that prostitution idea. Another guy made a bunch of comments about it being stupid to be in that much debt. Well, duh. As if I didn’t spend so much time agonizing over […]

So, there’s this guy on twitter mocking one of my posts. And that’s cool, because while he totally misunderstood my point – as did a whole lot of other people – it’s getting my project some notice. Even if it’s just amongst people who are trying to mock it. The more they retweet it, the more it will get out to the people who really might benefit from it. The fact is, a lot of people are in debt, and they feel a lot of shame around it. I had a lot of debt, and I spent a lot of […]

It’s the holidays… but you are in debt. But…it’s the holidays… And you are still in debt. This is a hard time of year. Especially because if you are like me, you’ve got kids. You’ve got people who are depending on you for stuff. And not just stuff – but holiday memories. And you sure as hell don’t want to let them down. You can’t have your kids remembering that one Christmas when we didn’t get anything because mommy makes poor money choices. So, what to do? Well, ideally, you would have started saving for this yearly event last year. […]

Addendum: YES, I realize the tweet is a joke. But, it is an illustration of the point I was trying to make. Obviously, it’s ridiculous to think anyone is spending that much on candles – but people really do spend a crap ton of money on crap they don’t need and then can’t figure out why they can’t pay their bills. I think it’s a sad commentary on our society that I had to explain this…   I saw this screenshot of a tweet several weeks ago, and I’ve been hanging onto it to use for this post. I know […]