Budgeting on One Income as a Single Mum (+ Workbook)

If you're a single mum stretching one income across rent, childcare, groceries, and everything in between, you already know most budgeting advice wasn't written for you. It assumes two incomes, spare time, and a mental load you don't have. Budgeting on One Income as a Single Mum is a practical, faith-anchored system built specifically for single-income households — no shame, no spreadsheets, no unrealistic restrictions. Just a protective, repeatable structure you can lean on whether this is a stable month or a survival week. What's inside the eBook (40 pages): — Your Single Mum Money Snapshot — see your full financial picture in 5 simple steps — The Single Mum Survival Budget — what to protect first when money is tight — Emergency Budget Mode — a 6-step plan for your hardest weeks — Grocery saving & simple meals under $10 — Bills, subscriptions & payment plan scripts (word-for-word what to say) — Debt pressure, including guidance if debt is connected to financial or economic abuse — Childcare & children's costs without the guilt — The 30-Minute Pay Cycle Reset — a rhythm you repeat, not a marathon — Where to get help — government, financial counselling, and mental health support What's inside the companion Workbook (13 pages): — Reflection page — Money Snapshot worksheet — Survival Budget worksheet — Bills Tracker — Debt Tracker — Pay Cycle Reset checklist (reusable each pay cycle) Both are instant PDF downloads, designed to be printed or filled in digitally, and written by Lydia Michael from lived experience as a single mum who rebuilt her own finances from the ground up. This is for you if: — You're parenting alone on one income and want a system, not a lecture — You feel like you're guessing instead of planning — You want practical scripts for hard conversations (bills, hardship, debt) — You want worksheets that turn 'I should budget' into something you actually finish $14.99 AUD · Instant download · eBook (40 pages) + Workbook (13 pages)