Prayer Of A Single Mum In Deep Debt
A Prayer for the Worried Mom’s Heart
Do you ever worry?
I think we can all admit that we do. In fact, we probably worry more than we realize. As a mother, I find myself worrying about my children, about their health, their learning, and whether I can just make it to bedtime each day.
I also find myself worried about paying bills, about my husband’s travel for work, and about that message from my doctor needing to discuss test results with me. My to-do lists keep me awake at night because I fear I’ll forget to do something important. Questions “what if?” and “should I have?” swirl around my mind, holding me hostage and keeping me chained to my worries and fears.
“To expel worry from our heart, we need to grow deeper roots of trust in God.”
Worry is a kind of “acceptable sin.” By that I mean worry is one of those sins that everyone does so we don’t often address it. gossip, worry is something we all know we aren’t supposed to do, but we often gloss over it and call it something else — something stress. Especially for women, worry can be expected and in some situations to not worry would seem strange.
But deep down, we want to be freed from the chronic feeling of doom and the expectation of something bad lurking just around the corner. We know that the Bible tells us not to worry, but “what if?” thoughts seem such a part of us that we don’t know how to stop.
What can we do?
Remember and Pray
oil and water, trust and worry do not mix. To expel worry from our heart, we need to grow deeper roots of trust in God.
Time and again in the Psalms, when the writer’s heart was heavy, he turned to look back at all that God had done for him.
As the psalmist looked back at God’s faithfulness and his sovereign care for him, he was able to trust God, even in the midst of troubling circumstances.When we look back on our own lives at God’s faithfulness to us, it gives us confidence and hope in his future faithfulness. We look back to our own story of salvation.
We see that Jesus died on the cross for our sins, that this is the demonstration of God’s love for us (Romans 5:8). When worries threaten to seize our heart, we need to remember and dwell on the truth of the gospel.
Remembering the cross propels us in faith for what lies ahead.
“God, forgive me for trying to control so many things, instead of praying to the one in control of everything.”
And as we remember, we need to turn to God in prayer. Hebrews says that because of Jesus, we can come to the throne of grace with confidence, to receive the help we need (Hebrews 4:16).
Paul was referring to chronic worry when he wrote in Philippians 4:6, “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” We are to give our worries to God in prayer, trusting him with all our burdens and cares.
As a result, we will receive in return the peace we long for, “And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus” (Philippians 4:7).
You might even pray something this. . . .
A Prayer for the Worried Heart
My Papa in Heaven,
I come to you with a heart heavy and full of so many worries and cares. I want to just curl up on your lap and find some peace from the chaos in my life. My worries fill my mind night and day. My stomach is in knots and I can hardly breathe. I feel I am drained dry; the joy has been sucked right me.
But you said to come to you with all my burdens. You said that you will carry them. You tell us you are a rock, a shield, a fortress. I need a rock right now. I need a fortress to run into right now. I need you.
There are so many decisions to make. What if I make the wrong one? So many bad things loom on the horizon. What if I’m not prepared? Help me to focus my heart on you and not on the giants around me. I know that all these worries are keeping me from trusting you. Peter, instead of looking toward your face, I am looking around at the waves encircling me.Forgive me for doubting and not living a life of trust. I believe, but please help my unbelief! I know that when I worry, I am believing a lie that says that I can control what happens in my life. Forgive me for trying to control something I never really had control of. Help me to trust in your word and not the lies.
You sent your Son to carry my greatest burden at the cross. I know that you can handle all that troubles me today. There is nothing too great for you, the earth is your footstool and the wind and rain come and go at your command. Free me of this worry today. Help me to trust the same grace that saved me at the cross to save me from all that weighs me down.
I know that you have a perfect plan for my life. Help me to walk by faith and not by sight. I want to trust in your plan and your love for me. I want to face the unknown future confident that you have it under control. Grant me the grace I need.
Thank you for Jesus and that because of him I can come to you in confidence. You accept me as I am, worries and all. I give them all to you now, in Jesus’s name, Amen.
7 Encouraging Bible Verses For The Single Mom
Being a single mom is one of the toughest jobs for a woman no matter the continent nor culture. Some women are single moms by widowhood or by choice in adopting orphans or foster children.
Some women found themselves abandoned by the fathers and forced to figure it all out on their own. No matter the reason, the Lord is close to single moms and willing to help them raise their children in the best way possible.
Review the 7 encouraging Bible verses for the single mom:
God is your Husband
“For your Maker is your husband—the Lord Almighty is his name—the Holy One of Israel is your Redeemer; he is called the God of all the earth” (Isaiah 54:5).
Just as an earthly husband helps raise children, so does the heavenly Husband help raise the children.
Because a single Christian mom is concerned about the Lord’s affairs rather than an earthly husband—she is completely devoted to Him.
As a result, an intimate spiritual relationship is birthed where the single mother leans on the Lord to meet her every need according to His riches and glory.
God is your Provider
“Abraham answered, ‘God himself will provide the lamb for the burnt offering, my son.’ And the two of them went on together” (Genesis 22:8).
In any place in the world—single mothers dominate the largest group of people in poverty.
Jehovah Jireh (the Lord provides) knows that she has needs and He is more than able to provide everything that is necessary for the family survival.
A single mom who keeps her attention on the Lord through prayer, fasting, and Bible study will find how the Lord is able to take care of her and the children above and beyond what she can ask or expect.
The Lord embraces the Christian single mother with His incredible and gracious love.
God is your Protector
“For the Lord your God moves about in your camp to protect you and to deliver your enemies to you. Your camp must be holy, so that he will not see among you anything indecent and turn away from you” (Deuteronomy 23:14).
A single mom raising children can find herself in a vulnerable place. Many evil men and women will attempt to break down the family through lies and deceit.
It’s important for her to every day entrust her children’s care to the Lord especially if she must leave them alone for long hours day or night to work.
God has angels to dispatch in her defense for protection against dangerous people and situations.
God is your Father
“A father to the fatherless, a defender of widows, is God in his holy dwelling” (Psalm 68:5).
With God as her Father, the single mom knows she can trust in Him to keep His promises and encourage her when she is feeling low. Through the Holy Spirit, she will hear words of truth from the Bible to help her to keep pushing ahead. Her Father is also the Father of her children and He will lovingly keep an eye on them to accomplish great things for the kingdom of God.
God is your Helper
“So we say with confidence, ‘The Lord is my helper; I will not be afraid. What can mere mortals do to me?’” (Hebrews 13:6).
One of the greatest struggles of single motherhood is the desire to have help with the children. There is much running around, preparing food, praying and teaching them.
The Lord is a Helper to give wisdom and insight on ministering to the children as well as leading her to the right people who want to help out.
Having a discerning heart to hear from God is vital for the single mother who needs help.
God is your Peace
“May God himself, the God of peace, sanctify you through and through. May your whole spirit, soul and body be kept blameless at the coming of our Lord Jesus Christ” (1 Thessalonians 5:23).
When a single mom is at peace, so is her household. She can find peace that goes beyond her own understanding to keep her heart and mind through Jesus Christ. There will be stormy days of confusion and unrest, yet because she’s praying and trusting in the Lord—there is great calm within her that seeps out touching her family members.
God is your Future
“Keep his decrees and commands, which I am giving you today, so that it may go well with you and your children after you and that you may live long in the land the Lord your God gives you for all time” (Deuteronomy 4:40).
The statistics aren’t great for the children of single moms and this can be a very discouraging fact of life. However, for the single mom who loves and serves the Lord—she has hope for their future. God has a purpose and plan for every single mother’s child. If she trains them in the ways of the Lord, they will know the truth and be able to overcome all adversity that comes their direction.
Lord, bless the single mothers…
While raising children alone can be a struggle at times, there’s great joy in witnessing the hand of God in many miraculous ways and wonders.
He’s available all the time to hear her prayers and act on her behalf. The Lord embraces the Christian single mother with His incredible and gracious love.
She and her children will make it through this life and enter eternity with much joy and strength.
More from the Bible about parenting: 20 Important Bible Verses for ParentsResource – New International Version Bible, The Holy Bible, New International Version®, NIV® Copyright© 1973, 1978, 1984, 2011 by Biblca, Inc.™ Used by permission. All rights reserved worldwide.
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How a Single Moms of Two Pay Off Debt in These 4 Steps | EBC
People in all walks of life sometimes need debt relief, but one segment of the population that often struggles harder than others is single moms.
The Census Bureau reports that the second-most-common family grouping in the U.S. is children living with a single mother (23 percent). The Census Bureau says that 31.2 percent of single mothers live below the poverty line.
Less than half (45.6 percent) of single mothers received full child support payments from fathers. Add this delinquency to the wage gap — white women earn 81.9 percent of what white men earn, black women earn 67.7 and Hispanic women earn 62.2 — and it puts single mothers at an almost insurmountable disadvantage.
The good news is, single mothers today are more educated than they used to be. In 1994, 22 percent of single mothers had dropped high school; by 2014, the number was less than 14 percent.
But the challenges are still great — after all, if you have no one to watch your children, it is hard to hold a job, no matter your level of education.
While it is true that those with more education are better able to afford childcare, it is still a challenge to raise children on your own, doing all the drop-offs and pickups, all the meal prep, all the household chores, all the childcare and work full-time as well.
It is scenarios these — when it’s hard to make enough to get by — that you can fall behind with your efforts to pay off debt.
According to the World Economic Forum, the U.S. is fourth for most expensive childcare in the world at 25.6 percent of a family’s income. Countries, where daycare is even more expensive, are the U.K., New Zealand and Ireland. In Austria, Greece, Hungary, Portugal, and Sweden where child care is subsidized, parents pay less than 5 percent of their income.
So what can a single mother do to make ends meet?
Best Debt Relief Options of 2019
Read more: 10 Financial Steps to a Rich Life as a Single Mom
Emma’s Struggle to Get Debt
Emma has a 3-year-old girl and a boy who just turned 1. She was engaged to the father, but he is now in prison and has no assets, so Emma has no hope of collecting child support anytime soon.
She had to move from their two-bedroom apartment to a subsidized one-bedroom. She pushes the queen-sized bed up against the wall and sleeps on the outside to prevent either of her children from falling out during the night.
Emma had a difficult childhood herself. Her mom died when she was a little girl and she has not seen or spoken to her father in many years. Her siblings are scattered across the country. Her children’s father’s family hasn’t been supportive, and she feels she doesn’t have anyone she can count on for help in times of emergency.Sometimes neighbors — many of whom are in a position similar to Emma’s — agree to help by keeping an eye on the babies while she runs out for more milk or Tylenol. But when one of her children is sick and can’t go to daycare, Emma misses work, and that makes it hard for her to keep a job.
Worse, Emma and her former fiance ran up thousands in debt when the children were born. Emma was work briefly, so they used credit cards for expenses. They didn’t have insurance when either of the children was born, so she is now left with sizable medical bills to pay as well.
Getting a second job can help you get debt.
Earn Extra Money to Pay Off Debt
To make ends meet while in between jobs, or to make extra money to pay off debt faster, single mothers can try the four money-making strategies listed below.
1. Sell possessions
You may not think you have a lot of extra items to sell, but every little bit counts. Once the baby outgrows an outfit, sell it for 25 cents. The recipient will be glad to get it for that price, and if you sell eight outfits, you can buy two pounds of rice with the money. Also, consider buying and re-selling items.
This will only work if you’re sure there is a market for the things you want to sell and you’re good at it. Buying from yard sales can work well, as homeowners are often willing to let items go for less just to get rid of them. If you have anything of value, used electronics, put it on eBay or Craigslist for a higher price.
2. Cut back on expenses
This can be challenging if you’re already living a bare-bones lifestyle. But if you’re not, consider scaling back. A trip to McDonald’s can cost $20 for a family of three. If you have little kids, get them food off the dollar menu, and don’t buy soda. It isn’t good for them anyway.
And don’t order anything for yourself — kids rarely finish the food you give them, especially when they’re distracted by toys and play tunnels, so you can save by eating what they leave behind. Also think about switching to more generic products at the grocery store.
If you get food stamps, you can save this way by getting more for your allotment.
3. Refinance high-interest loans
You may need your car to get to work and get your kids to school, but if you’re struggling to pay for it, you might be better off making some changes. If you had less-than-stellar credit when you bought the car, you may be paying an extra-high interest rate.
If you have made all your payments on time, try to refinance the loan for a lower interest rate. The same goes for credit cards. If you’ve run up high balances trying to bridge the gap when buying diapers, winter boots, and other necessities, you may be paying exorbitant interest rates.
Look into consolidating your debts to lower your interest rate and payments.
4. Increase Your Income
Even though this can be a challenge, it’s almost always possible. If you have family or friends to help with childcare or affordable daycare, you might be able to get a second job. This could be something working in a warehouse or as a bartender late at night, when your children are asleep anyway.
If you don’t have any help with childcare, try work-from-home jobs, such as doing freelance writing, taking in a laundry for others, or doing clothing alterations. You might also be able to make some money watching others’ children while you’re watching your own.
Don’t assume responsibility for too many, though, and check first to see if you need a license in your state.
When you’re overwhelmed by responsibilities and you need debt relief, try some of our tips. There’s nothing better than facing adversity and winning. It may take time and you may need to try different strategies, but you can get debt, even as a single mother.
A Lot Of Debt Solutions Available For Young And Single Moms
Being a single parent is not easy as most of the times they end up facing deep debt troubles.
Moreover, young and single moms face a lot of difficulty as compared with single fathers due to several social, behavioral and economic factors. Therefore, it is highly natural that single mothers will be seriously in debt and will need help.
Well, there are in fact many such bits of help and benefits available for single parents to ease up their finance and help them in debt management.
Debt Solutions Available For Young And Single Moms
You may tend to think that a consolidation loan will help you in getting rid of your debt or even a debt settlement for that matter and continue to take on loans till the time all sources disappear. However, both will have its consequences and both will depend on your affordability, credit and lots of other factors whether you will be successful in paying it off or not.
You may use all the credit you had as you are broke and want to provide the best for your baby but you will have to think about the consequences of each. This is because when you take on a credit there is no other alternative but to pay it off along with added interest on the principal amount.
Now in such a situation and not wanting to see your baby suffer, you may stop paying your consolidation loan since you cannot afford it which is very honestly true.But just all other responsibilities to your child, it is also your responsibility to pay off your debt and manage your finance well.
If you stop taking collection calls or stay locked in your room will not help you much as it will start taking a huge toll on your health, physical, mental as well as financial.
It is time to act wisely and consider all your available options before you take on a loan. Consider all benefits and support you may get, weigh it with your needs and essentially talk to a credit counselor to know what you can do.
Starting Your Debt Management Process
To start with your debt management process as a single mom you must first stop making excuses and think about a strategic plan to follow to take charge of your life as well as your child.
- At first, you must know that as a single parent you will have to do it all as no one else will do this for you. Everything is up to you to do even if this is not the road you chose but it is surely the road you will have to travel.
- Next up, you must know that you have very limited options and no one to fall back on for resources. Therefore, you must know your affordability first and work according to your budget so that you do not spend on something that is entirely unnecessarily. If you incur more expenses it is evident that you will experience setbacks that you will find hard to recover from.
- Another thing you must know is that it is very hard to solve any existing debt problem with more debt. Therefore, it is wise to visit https://www.nationaldebtreliefprograms.com or others to look for financial respite with a few grants and benefits. This will help you a lot in this process.
- If you are considering debt consolidating then you will need to do everything that it does not exacerbates the problem. To make it successful you must stop taking more debt or credit card charges, start saving enough so that you can pay off the new loan and change your behavior and lifestyle that led you to accumulate debt in the first place. It is extremely necessary to make sure that you do not owe more than the amount of debt that you have already consolidated.
- Next, you should contact a nonprofit credit counseling agency to look at all available options. to find a reliable agency that will not take advantage of your condition you can contact the Association of Independent Consumer Credit Counseling Agencies or even the National Foundation for Credit Counseling.
- Have all your income and expenses reviewed by the certified credit counselor so that you two can build up a workable spending plan. They will tell you exactly how much money you will need to live and to build an emergency fund to repay your debt.
- You will also have to consider your income and trim your expenses if you stick to your current job. Otherwise, you can take up a second job to earn more or switch your job to one that pays more. This is not easy but all these are necessary for your child’s benefit.
- Never consider bankruptcy unless all your options are closed and suggested by the credit counselor. Bankruptcy is an option only for the hopeless and helpless as it will stay on your credit report for 10 years. It will hurt your future possibilities not only in getting the loan but also in getting a job, renting a decent apartment, buying a car, insurance and a lot of other things.
The sacrifices that you will make now well worth it when you get your finances back on the track and live a debt free life.
Different Debt Solutions
There are a number of debt solutions available for you that you may consider such as:
- Debt Management Plan: This is an informal agreement between you and the unsecured creditors. You agree to repay a reduced amount of your debt to a debt management company who will distribute it fairly to all your between your creditors. Eliminating charges or addition of new interest may also be negotiated.
- IVA: Similar to a debt management plan, IVA is a legally binding contract between you and your creditor for lower monthly payments with some part of it written off and all interest and charges are automatically frozen. You pay the debt as much as you can afford over a period of 60 months.
Whatever you choose, always avoid taking on further debts while following such programs.