Take Control of Your Money & Build a Secure Future—Even on One Salary
Managing money solo comes with unique challenges, and I know that firsthand. Budgeting, planning for the future, and still enjoying life—all while juggling expenses alone—can feel overwhelming.
That’s exactly why I created Solo Money Hub—a space designed for independent women over 45 who want practical, no-judgment financial guidance that actually fits their lives.
💡 I believe in simple, flexible money strategies that help you feel in control of your finances—without restrictive budgets or giving up everything you love.
I’m not here to tell you to stop buying coffee or micromanage every dollar. Instead, I want to help you track your spending with ease, save for your future, and still enjoy life along the way. Over the years, I’ve learned what works (and what doesn’t), and now I’m sharing those tools with you!
✔ Want a realistic way to manage money on one income? Start with the FREE Solo Money Starter Kit and the Smart Money Management Series for step-by-step financial confidence.
Why Solo Money Hub is Different
Most finance advice assumes you have a partner to split expenses with—but what if you don’t? Here, I focus on real-world strategies for women managing money solo. Whether you’re navigating budgeting, homeownership, retirement savings, or just figuring out how to enjoy life while staying financially secure, you’ll find tools and support that actually fit your lifestyle.
✅ No guilt, no rigid rules—just smart money strategies that work for YOU.
✅ Designed for women over 45 navigating finances on their own.
✅ Practical steps you can actually stick with—no over-complicated systems!
🚀 Start where you are—take one step today, and your future self will thank you.
Start with These Free Resources!
Your financial journey begins with small, smart steps. Download one (or all!) of these tools to gain instant clarity and control over your money:
✅ Solo Money Starter Kit – Track your spending, identify money leaks, and reset your finances—without stress.
✅ Intentional Spending Planner – Organize your money in a way that aligns with your goals.
✅ Subscription & Expense Audit Checklist – Identify and cut out money leaks.
✅ Financial Clarity Journal Prompts – Shift your money mindset and create a financial vision.
📩 📌 Ready to take action? Grab your free starter kit here:
Check out the Solo Money Shop
You’ll find tools I’ve created to help you succeed with your finances. If you ever have problems or questions with my products, please contact me and I’ll help. I just want you to reach your financial goals – in the easiest way possible!
Read the Smart Money Management Series
Not sure where to begin?
Start with my foundational money series, designed specifically for independent women managing finances solo. Each step builds on the last—no overwhelm, just smart, doable money moves you can start today.
📘 Smart Money Management Series
A step-by-step money journey designed for independent women managing their finances solo.
1️⃣ Step 1: Track Your Spending Without Stress
Build awareness of your money habits—without guilt or spreadsheets.
2️⃣ Step 2: Identify Money Leaks & Stop Wasting Cash
Find the sneaky expenses draining your income and cut them with confidence.
3️⃣ Step 3: Create an Intentional Spending Plan (Not a Restrictive Budget)
Use the Needs, Wants, and Future method to budget in a way that fits your values.
4️⃣ Step 4: Build a Financial Safety Net on One Income
Create security and stability—even when you’re the only one bringing in income.
5️⃣ Step 5: Smart Debt Management for Independent Women
Pay off debt with a plan that fits your solo lifestyle—no shame, no stress.
6️⃣ Step 6: Growing Wealth & Earning More (Coming Soon)
Boost your income, invest with confidence, and build real financial freedom.
📌 Bookmark this page or visit the Solo Money Hub » to follow the full series and grab your free Starter Kit.
What’s Next? Let’s Get You Financially Confident!
Managing your money solo doesn’t mean you have to do it alone. Bookmark the Solo Money Hub, grab your free tools, and start building a financial future you feel good about.
💬 Have questions? Looking for a specific financial resource? Let me know in the comments!
🎯 Start now—your financial future begins today.
Solo Money Starter Kit Companion File
the Google Sheet file that expands on the FREE Solo Money Starter Kit pdf
YouTube Intro to the Solo Money Files
This is only my second video on YouTube, so please bear with me. I hope do get better over time. I wanted to just show the whole system and upcoming plans in one place. I have at least 1 more video on my channel and plan to add more soon. PIM YOUTUBE
Just a Heads Up! 🌟 This post may contain affiliate links, which means I might earn a small commission (at no extra cost to you) if you make a purchase through one of these links. As an Amazon Associate, I earn from qualifying purchases. But don’t worry—I only recommend products and services I personally use, love, or believe can genuinely benefit you. Your support helps keep this blog going—thank you! 💖
9 Personal Finance Budgeting Apps to Check Out
Selecting the right budgeting app is crucial, especially for independent women over 45 managing finances solo. Here are some top recommendations for 2025:
CountAbout: is an easy-to-use online personal budgeting or small business accounting application for tracking spending and managing finances. They offer a 45-day free trial for new members.
YNAB (You Need A Budget): A proactive budgeting tool that encourages users to assign every dollar to a category, promoting mindful spending.
EveryDollar: Developed by Dave Ramsey, this app offers a straightforward approach to zero-based budgeting, making it user-friendly for those new to budgeting.
Rocket Money: Formerly known as Truebill, this app helps users manage subscriptions, track spending, and set savings goals.
Goodbudget: Utilizes the envelope budgeting method, allowing users to allocate funds for different spending categories, which can be particularly helpful for visualizing expenses.
Copilot: Designed for iOS users, Copilot offers a sleek interface and comprehensive budgeting tools, though it’s currently exclusive to Apple devices.
Monarch Money: Provides tools for budgeting, tracking investments, and setting financial goals, making it suitable for those seeking a comprehensive financial overview.
Simplifi by Quicken: Offers real-time expense tracking and customizable spending plans, providing a clear overview of your financial situation. It’s praised for balancing robust features with user-friendly design.
PocketGuard: an all-in-one platform that brings together everything you need to optimize your finances. Now has a budget roll-over feature.
Each of these apps offers unique features tailored to different budgeting styles. Consider your specific needs and preferences to choose the one that aligns best with your financial goals.
