Single Mothers Financial Stability Scorecard™

Understand your financial position. Identify the gaps that matter most. Take practical steps towards a more stable future for you and your children.

Being responsible for your children while managing income, household expenses, education costs and your own future can be challenging.

This Scorecard helps you assess five areas of financial stability: EARNING, KEEPING, PROTECTING, GROWING and CONTROLLING.

There are no right or wrong answers. Answer honestly based on your current circumstances. Your results will help you identify strengths, financial gaps and practical next steps.

This is a financial education and self-assessment tool, not a credit assessment, a guarantee of financial outcomes or a substitute for regulated financial, legal or professional advice.

Profile
To help tailor your report, please tell us a little about your situation.

What name would you like to use in your report?

Which age group are you in?

How many children depend on you financially?

4 or more

What are the ages of your dependent children?

Which best describes your main source of income?

Do other people besides your children depend on your income?

Yes

Prefer not to say

Pillar 1: Earning

How predictable is the income your household depends on?

Very predictable

Mostly predictable

Changes from month to month

I currently have no reliable income

Do you have a practical plan to increase your income over the next 12 months?

Yes, with clear next steps

I have an idea but no plan yet

No, I am focused on meeting current needs

Pillar 2: Keeping

After paying essential household expenses, how much money usually remains?

A comfortable amount

A small amount

Almost nothing

I often cannot cover all essentials

If your income stopped today, how long could your available savings cover essential household expenses?

How do you usually pay school fees and other major education costs?

I plan and save ahead

I use current income when fees are due

I often borrow or ask for help

My children’s education costs are currently behind

How much pressure do loan repayments put on your household budget?

Pillar 3: Protecting

Could you meet an unexpected medical expense without borrowing or missing essential payments?

Yes, from available savings or cover

Partly

Probably not

I am not sure

If illness or injury stopped you from earning for three months, what would support your household?

If you died, is there a financial arrangement intended to support your children?

Yes, and I understand what it covers

Some arrangements exist, but I am unsure if they are enough

I have not considered this

Pillar 4: Growing

Are you saving or investing toward your own future, including retirement?

Regularly

Occasionally

Not currently

I am unsure where to begin

Pillar 5: Controlling

Do you have a clear written plan for your income, expenses, debts, savings and children's future needs?

Yes, and I review it

I have a partial plan

No written plan yet

Family Continuity Check

If you were temporarily unable to care for your children, is there a trusted person and practical plan to help?

Yes, a clear plan exists

I have someone in mind but no clear plan

No reliable arrangement yet