How to Navigate Financial Stress as a Working Mom

Lately, my finances have been making me anxious. As I’ve stopped to reflect, I’m realizing something important: life goes in seasons. And right now, I’m in a season where my finances are under the spotlight more than usual.

I’ve always tried to show up here with real-life issues, so it only feels right to talk openly about an area of my life that I’m finding challenging and that I know many of you may be struggling with too.

The truth is, nothing lasts forever. Seasons change. But while we’re in a season of financial strain, the best thing we can do is put in the work now so when this season passes, we come out stronger, more prepared, and less overwhelmed.

Here’s what’s been helping me manage financial stress while balancing the demands of motherhood and work.

1. Accept the Season You’re In

Instead of fighting against reality, acknowledge it. This is a season where money is tighter, and that’s okay. Accepting where you are removes the added stress of pretending everything is fine and allows you to focus on solutions.

2. Get Clear on Your Numbers

Uncertainty fuels anxiety.

• Track your income and expenses.

• Identify non-essential spending.

• Create a budget that reflects your current priorities.

Why it matters: Clarity helps you make intentional choices instead of reactive ones.

3. Set Small, Achievable Goals

In tough seasons, aiming for huge financial milestones can feel discouraging. Break it down:

• Save $20–$50 a week.

• Pay off small debts first.

• Build an emergency cushion of $200–$500 to start.

Small wins build confidence and momentum.

4. Look for Ways to Boost Your Income

Sometimes, trimming the budget isn’t enough, you need to bring in more. Consider:

• Asking for a raise or extra shifts.

• Taking on a freelance project.

• Selling unused items at home.

Even small income boosts can create breathing room.

5. Protect Your Peace

Financial stress can easily take over your thoughts, but it’s important to create space for joy:

• Schedule free activities with your kids.

• Plan moments just for yourself.

• Focus on what’s going well in your life.

This keeps you from feeling like life is only about bills and responsibilities.

6. Build for the Future While in the Storm

It’s tempting to think, “I’ll focus on saving later,” but laying even a small foundation now helps you when the next season comes.

• Keep contributing something to your savings, no matter how small.

• Learn about money management now so you’re prepared later.

Final Thought:

If you’re in a season where finances are making you anxious, know that you’re not alone. Money struggles don’t define your worth as a mother or a woman. Seasons change, and when this one passes, you’ll be glad you did the work to prepare for the next.