Financial Planning for Solo Motherhood

One of the most common worries women have when considering solo motherhood is money.

Not because they’re irresponsible.
Not because they haven’t thought it through.
But because having a child changes your life — financially and otherwise — no matter how you do it.

Couples worry about this too.
Every parent does.

This workbook isn’t here to convince you of anything, and it’s not professional financial advice.

It’s here to help you get clear.

Because fear thrives in the unknown — and clarity creates choice.

What this workbook helps you do

This guided workbook helps you:

• Understand where your money is actually going right now

• Identify spending patterns you may not have noticed before

• Explore what may change financially if you pursue solo motherhood

• Consider the costs of conception, pregnancy, birth and maternity leave

• Think through lifestyle decisions like housing, work, transport and support

• Separate facts from assumptions — so finances don’t feel bigger than they are

There’s no judgment.
No “cut everything back” messaging.
No pressure to decide anything today.

Just information, laid out calmly and clearly.

This workbook is for you if…

• you’re considering solo motherhood and finances feel overwhelming

• you want to make an informed, empowered decision — not an emotional one

• money worries are keeping you stuck in “what if” mode

• you’d feel better seeing the numbers on paper instead of in your head

• you want to understand your options before ruling yourself out

What’s inside

✔ A detailed breakdown of current expenses (including the sneaky ones)
✔ Reflection prompts to understand your real financial picture
✔ Guidance on budgeting for:

• conception and fertility pathways

• pregnancy and birth

• maternity leave and income changes

• baby expenses and first-year costs

✔ Space to consider:

• government or employer entitlements

• health insurance

• support systems

• future lifestyle decisions (housing, location, work flexibility)

Designed to be completed at your own pace, directly in the document.

Why this matters

You can always adjust how you earn, spend, or plan money.

You don’t always get unlimited time to make family decisions.

This workbook helps you replace fear with understanding — so you can move forward from a grounded place.