Hi C.,
I am a 43 year old single mom by choice (had my daughter at 40 after using a friend as a donor) with a 2-year old.
I work full time, Mon-Fri, 9-5pm and sometimes many Saturdays as well. Juggling the priorities of work and home life is always hard but I have found a couple of great things that have saved me... so I'll share them with you!
First, routine is what gets us through weekdays... because we know what to expect, when and why we go where we go and what will happen when we get there. I get up and shower and am mostly ready by the time I get her up. I usually end up putting on my makeup in my downstairs powder room while she eats. I NEVER clean my breakfast dishes before leaving the house... I rinse them but leave them in the sink and just wipe down counters quickly before we go. That way, I do all my dishes at night (after she goes to bed), which saves us time in the morning.
I make work a complete priority while I'm there... and try to bring as little home with me as possible. I try not to do anything personal in my office, b/c that helps me focus and feel good about leaving right at 5. My daughter's school is within 1 mile of my office, so I leave the office at 5pm sharp... go get her and then my attention is completely on her until she goes to bed at 7:30pm). We watche one program on TV for 30 minutes when we first get home, so we can both "switch gears", but I try to sit down with her while she watches. I do my best not to take personal phone calls, check e-mail, or do anything related to housework (other than cooking) from 5:30-7:30pm. Now, I tend to be very flexible about my kitchen and, if dishes pile up in the sink before they make it into the dishwasher, so be it... the way I think about it, she will never be this age again and want to sit on the floor playing with mommy for an hour after dinner! Pretty soon, Mommy won't be cool enough to hang around with, right? Then at 6:45 or 7... we go upstairs, take a bath, sit on the potty, put on jammies, read stories, say prayers and turn out the lights... same routine every single night. My girl thrives on it!
I try to do all my laundry on Friday night and finish what's leftover on Sat morning, when I do my "chores." This way, I do not have to spend my entire weekend doing housework. We try to snuggle in bed when we first wake up Sat. morning and read stories. But she's happy to play by herself after breakfast, so that's when I clean up around the house... vacuuming, dusting, sweeping and mopping kitchen floor, bathrooms. I very rarely get to everything in those 2-3 hours (before lunch and her nap time)... but I always vacuum and dust and then vary what other items don't need weekly attention (like mopping) or the downstairs powder room.
Once she's up from her nap (and sometimes, Mommy lays down and naps too or reads to get my rest!), we either take a bike ride, do our grocery shopping or hit Target, or go out and play. We do church every Sunday morning and then go to my father's house for Sunday dinner, so by the time we get home from there, it's time for dinner again and the nighttime routine.
For me, if I have to bring work home... I do it at night in front of the tv after she goes to bed. When special things come up, we do that instead of usual errands on Saturdays (like the fair, etc.). And occasionally, when I have time, I run my errands to Target or the drug store and sometimes even grocery shopping on my lunch hour at work, so that I don't have to spend precious weekend "fun" time doing nothing but life maintenance!
For finances... I have the MOST AMAZING financial planner in the world! I will give you her name if you're in Jacksonville and want to see her (no fees!). I recommend that every single parent have a plan, a will and some protection (insurance) to protect your child in the event of your death. Make sure you know and have named in your will who will be your child's guardian (whether it's a family member or friend). Make sure someone else is the trustee of your funds and estate, so that one person does not have total control over all the money while your kids are minors. Do not make minor children beneficiaries on your policies, but make your trustee the beneficiary instead or their guardian.
We live in a townhouse that I just bought. Great because I don't have to do any outside maintenance and it was just built, so I won't have to do any major indoor maintenance for a while either! That saves a lot of time and stress. I pay HOA fees, but they are very reasonable and worthwhile b/c I don't need to spend money on a lawn mower, edger, weed eater, etc. Put compact fluorescent bulbs in every fixture in your home too! They are expensive at first, but they will save you 30% every month on your utilities, which will really help your budget.
I am a budget fiend, and have tracked every single expense I've made for the last 6 years, so that I know what I have and what I don't. I only make big purchases when I get my tax refund, and I plan for them all year. I've also set up an ING savings plan to create my "emergency fund" so that I can ultimately build up to having 3-6 months of income and expenses saved so that if I lost my job, I won't lose my house or go heavily into debt while trying to get another job!
I also NEVER buy any clothes, shoes, home furnishings or anything, really, that's not on sale (except food or toiletries, etc.). I research every purchase I make and also shop a lot online, so I can get the Upromise contribution (www.upromise.com) or find promotional codes for items that I want to buy. Gymboree has amazing sales on kids clothing online... and I use free shipping whenever I can. This saves lot of time and gas from going store to store to find something you want. Plus, you can do all your research online first and be sure you're getting a great price. I shop for toys, my vacuum, Pottery Barn sales, kids clothes.
Also, I take all the clothing that is still in good shape and sell it to consignment stores, to make extra cash. I also donate a lot to Goodwill and keep the forms for tax time. I do my taxes online using TaxAct.com ($9.95 to file electronically and have your refund put into your checking account - only takes 3 weeks from filing date!).
Another great way to save once you're working and have benefits is to be sure you plan and use your Flexible Spending Accounts for medical and any daycare expenses. This is a chance to lower your taxable income, which is always a good thing.
I hope some of this helps. I get tired sometimes the same old, same old (who doesn't) but then I remember that with kids, it's really never the same year to year and I believe so wholeheartedly that raising her right is worth it that I don't mind some personal sacrifices now to make her a better person down the road.
As of now, I choose not to date or know what when I do start again (this year maybe), I won't introduce any new man to my daughter unless we're serious. She doesn't need to get attached to anyone who won't be there long term.
That's just me... again, hope this helps!
Feel free to write me on the side if you like!
K.