Living within your means is not just about survival—it’s about creating a life of contentment, peace, and sustainability, especially as a single mum or a woman trying to stretch her finances. I’ve had my fair share of “broke girl” days, and one thing I’ve learned is this: being intentional with your money is the biggest flex. In this post, I’m sharing my personal budget-friendly survival hack for broke girls and single mums that have helped me survive tough financial seasons while still living with dignity. If you’ve been searching for frugal living tips for single mothers or money-saving hacks for women on a budget, this is for you.
1. Get Affordable Housing
Rent is one of the biggest expenses you’ll ever face. To live within your means, avoid renting a house just to “feel among” or impress others. Choose a space you can comfortably afford—even if it’s smaller or in a less “popular” area. At the end of the month, peace of mind is better than being broke after paying rent.
2. Make Everywhere You Go Close To Each Other
Transportation costs can eat into your budget if you’re not careful. One money-saving hack is to live close to your children’s school, your workplace (if possible), the market, and places you frequently visit. Cutting down on transport saves both money and time, two things every single mum needs more of.
3. DIY Lifestyle Essentials Are Life-Savers
I can’t count how much money I’ve saved by learning to do things myself. From making my own natural skincare and haircare products to styling my hair and even my kids’ hair, DIY is a true budget hack. You don’t need to pay thousands every weekend for things you can easily learn on YouTube or Instagram tutorials. Plus, it gives you a sense of independence.
Watch: Budget-Friendly Nails: I Saved 12k Doing This Myself and How I Make My Natural-Glow Black Soap
4. Buy Things in Bulk
Whether it’s rice, beans, diapers, detergents, or toiletries, buying in bulk is a long-term money-saver. Wholesale markets and warehouse deals always cut costs compared to buying “one by one” from shops. Create a monthly bulk-shopping plan for kitchen and household supplies, and you’ll see the difference in your finances.
5. Let Your Dependents Know Your Financial Capacity
As single mums, we sometimes want to “shield” our kids or dependents from financial struggles, but the truth is: pretending puts unnecessary pressure on you.
It’s better to be open about your financial limits. Teaching your kids contentment early helps them grow with gratitude, instead of entitlement.
6. Focus on the Major Expenses
Don’t let distractions eat up your money. Your financial priority should always be the big four:
- Education
- Rent
- Healthcare
- Food
Everything else can wait. When your foundation is stable, you’ll be less stressed and better prepared for the future.
Watch: How To Survive As Single Mum: Living Within Your Means
7. Cook Budget-Friendly Recipes
Instagram and YouTube chefs may show you how to cook with 2kg of chicken, prawns, and all the spices in the world. But the truth? You don’t need all that to make a good pot of soup.
Stick to budget-friendly recipes with seasonal vegetables, cheaper protein options, and local staples. It’s not about impressing anyone; it’s about feeding your family well without going broke.
8. Practice Contentment & Self-Denial
Living within your means requires self-control. Sometimes you need to say “not now” to certain desires, whether it’s luxury shopping, takeouts, or trendy gadgets. Every naira you save is a seed for rainy days, emergencies, or future investments.
9. Avoid Splurging & Impromptu Spending
Shopping sprees, clubbing, endless hangouts—they all drain your pocket fast. Learn to train yourself to say no. However, don’t deny yourself and your kids small joys. Once in a while, plan a treat: an ice cream outing, a movie night, or a family picnic. Balance is key.
10. Be Frugal With Lifestyle Essentials
From deodorants to pads, clothes, and shoes—there are always affordable, effective alternatives in the market. Don’t be shy to try cheaper but reliable options. Remember: you don’t have to spend more to live well.
Final Thoughts
Living within your means as a broke girl or single mum isn’t easy, but it is possible. The secret is discipline, planning, and contentment. Always remind yourself: your worth is not tied to how much you spend, but how wisely you manage what you have.
With these budget-friendly hacks, you can cut costs, build stability, and still create a joyful, intentional life for yourself and your kids.
