In Brazil, around 12 million mothers raise their children alone, according to IBGE data. And if keeping a child supported is already complicated, having the responsibilities just for yourself is an even more difficult task. That's why it's important to have financial planning, especially if you can't count on your father's support.
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In this way, to guarantee the well-being of the child and to deal more safely with the problems that eventually they can happen, we brought some financial tips for single mothers to be careful financially. Check out!
Women who contribute to the INSS are entitled to receive maternity aid after the baby is born, but this should be thought about even beforehand. To receive the benefit, it is necessary that the pregnant woman has contributed for at least 10 months to the INSS. The term and amounts of the aid vary. For births and adoption, for example, the deadline is 120 days, and the amount depends on the position held and the type of contribution.
Insurance and health plans can cover the delivery and necessary consultations that the child may have. If you are unable to join a health plan, try to separate a part of your resource for this type of expense. And if you can't set aside an amount, look for the public health system and leave everything organized.
Before going into debt, consider the extra expenses you will have to set aside a portion of your earnings. Expenses such as furniture for the nursery, clothes and hygiene items for the baby are quite considerable if done all at once. So, it's important to set aside a little money for these expenses throughout the pregnancy, so you don't feel too much when it comes to disbursing. If you can't separate a value, have a baby shower, raffle tickets and even ask for donations, if necessary.
This may even seem obvious, but organizing finances, knowing exactly how much you earn and how much you can spend is very important to have control over any unforeseen events. Plan and only spend after consulting your plan to make sure you can afford the cost. If the necessary expense does not fit, reorganize the worksheet in a way that it can be included without compromising your budget. So, follow the logic: invest first, spend what's left, and don't spend and invest what's left.
The education of children is one of the most important things for parents, and the amount spent on this issue is high. Not only with the study itself, but with extra materials and courses, such as languages, which are extremely necessary nowadays. Having a reserve is important for lower costs in the future. You can even prepare with a fund for college tuition if payment is required.
To support your child, you also need to take care of yourself. So, set aside time and part of your resources to take care of your health, both physical and mental.
Geographer and pseudo writer (or otherwise), I'm 23 years old, from Rio Grande do Sul, lover of the seventh art and everything that involves communication.
