Financial Difficulties and Coping Strategies of Single Mothers

This report investigates the financial issues faced by single mothers, exploring the various challenges they encounter, such as poverty, stress, and the impact on their quality of life. The research employs both primary and secondary data collection methods, including interviews and literature reviews, to identify the root causes of financial difficulties and examine effective coping strategies. The study reviews relevant literature, including research on lone financial responsibility, the role of NGOs, and the impact of financial strain on health and well-being. The report analyzes research questions, hypotheses, and aims, focusing on identifying and addressing the financial issues faced by single mothers. The methodology section details the data collection methods, justification, interview questions, data analysis methods, and sampling methods. The ethical considerations and a plan of action are also included. The expected outcomes of the research provide insights into how single mothers can cope with financial issues, and potential solutions are explored to enhance the quality of life for single mothers. The report also addresses the importance of financial planning and management to mitigate financial hardship. The research provides a comprehensive understanding of the challenges faced by single mothers and offers potential solutions to improve their financial stability.

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Running head: SINGLE MOM CAN STUDY COPING WITH FINANCIAL ISSUES
Single mom can study coping with financial issues
Name of the Student
Name of the University
Author Note

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Executive Summary
The notable determination of this proposal is to identify all the ways by which single moms
copes up with the financial issues in their daily life. The findings of this proposal will be
entirely based on the two types of data collection procedure which will be considered in this
proposal. This proposal will be having numerous segments and each of the segment will be
very much significant to maintain the effectiveness of the paper. The data analysis and
sampling method of the collected data will also be discussed in the paper along with t ethical
considerations. The plan of action of each of the activities will be represented in the
concluding section of this proposal using MS Project.

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Table of Contents
Introduction................................................................................................................................3
Research question, background & significance.........................................................................3
Research Background and significance.................................................................................3
Research Questions................................................................................................................4
Research Hypothesis..............................................................................................................4
Research Problem...................................................................................................................4
Aims of the research...............................................................................................................4
Expected outcomes of the research........................................................................................5
Review of relevant literature..................................................................................................5
Research Methodology...........................................................................................................8
Data Collection method..........................................................................................................8
Justification........................................................................................................................8
Interview Questions...............................................................................................................9
Justification......................................................................................................................10
Data analysis methods..........................................................................................................10
Justification......................................................................................................................10
Sampling method.....................................................................................................................11
Participant recruitment plan.................................................................................................11
Ethical considerations..............................................................................................................12
Plan of Action..........................................................................................................................13
WBS of the proposal................................................................................................................14
Reference..................................................................................................................................15

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Introduction
The notable objective of this proposal is to identify the different categories of
financial issues faced by most of the single mom all over the world. These single moms faces
a wide range of problems in terms of stigma, work and poverty. Linking between each of the
reasons is very much significant for the moms as they had to ensure good health for the
children sometimes. There are numerous stress factors which will be identified and evaluated
in this proposal. Poor health and mental conditions are the basic impact of the financial
difficulties faced by single moms (Elliott, Powell and Brenton 2015). Chronic stress is the
other significant impact of the financial crisis faced by single mom all over the world.
Distress level of each of the family member increases if the financial impact cannot be coped
in a professional manner. The financial issues faced by the single moms are due to numerous
reasons such as lone responsibility and making sacrifices. In order to deal with the health
conditions, there are lots of organizations who work dedicatedly to identify the economic and
health conditions of the single moms. The ensuing section of the proposal will be identifying
the research question, background a significance of the proposal.
Research question, background & significance
Research Background and significance
This research will be very much significant in order to understand the ways which
acne helpful for the single moms to deal with financial issues. This research will be very
significant for the single moms to deal with the instability caused due to the financial
constraints (Alvarez, Ong and Abocejo 2017). Coping with financial difficulties is one of the
most significant difficulty faced by the single mother all over the world as the prices of the
commodities which are regularly used are keeping on increasingly every moment. The
reasons behind the financial constraint faced by the single moms are needed to be identified

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and resolved in the first place so that the quality of life led by the single moms can be
enhanced.
Research Questions
The research questions of this proposal are listed as follows:
 What are the reasons behind the financing issues faced by the single moms all over
the world?
 How can the impact of the financial issues be measured for the single moms?
 How can the financial issues faced by the single moms resolved?
Research Hypothesis
The research hypothesis of this research are as followings:
H0: The financial issues faced by single mom have no real impact on the quality of life led by
single moms.
H1: The financial issues faced by single moms can have a huge impact on the quality of life
led by single moms.
Research Problem
There are lots of financial issues faced by single moms all over the world. These
financial constraints may have a negative impact on their quality of life, this research will be
very much useful all it can help in identifying the ways to address these financial issues.
Aims of the research
The aim of this proposal are as followings:
1. To identify the reasons behind the financial issues face by the single moms.
2. Is there any way to address the financial issue of single moms.

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3. To summarize and identify the measures which can be used to address the financial
issues faced by single moms.
4. To examine and measure the effectives of the strategies which are taken in order to
address the financial issues.
Expected outcomes of the research
This proposal will be having two different category of data collection procedures such
as the secondary as well as the primary data collection procedures. Conclusive statements
from each data collection procedure will be guiding the readers of this documents to
understand the ways which can help the single moms to deal with the financial crisis. This
research will also be very much beneficial as it will help in identifying the ethical
considerations which has to be maintained during the data analysis as well as the data
collection procedures. The point of view of different researchers can also be understood from
this research.
Review of relevant literature
As stated by O'connor and Kircher, (2016), lone financial responsibility is one of the
most significant impact of the financial difficulties faced by single moms all over the world.
The investigator of this paper highlighted that the financial crisis can lead to numerous
complexities for single moms such as health issues. The role of the Non-governmental
organizations and the other private governing bodies are very much significant as they can
help out the single mom to get rid of the financial difficulty (Zimmerman et al. 2016). The
paper also helps I understand that these NGO can successfully help to address the financial
issues faced by the single moms. The investigator of the paper also added that the trapped and
helpless single mom are given the maximum priority by these governing bodies when the
management team of those organization allocated huge amount of fund to help out the single

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moms (Okhmatovski et al. 2016). The investigator of the paper also added and stated about
the special training sessions which are beneficial for the single moms where they are
instruction how to deal with the financial issues. Sleeplessness and feeling of physical
sickness are the other significant impact of the financial difficulty faced by single moms all
over the world (Sharpe 2016). The investigator of the paper added that making sacrifices for
the children is a very significant criteria of all the single moms. The investigator of the paper
added that some of the single mom opts out of the meal in order to pay the education bills of
the children’s. Household fuel poverty is very much close associated with the financial
hardship faced by the single moms all obey the world.
As stated by Noohi et al. (2016), every single mom must embrace themselves
financial before taking all the significant decision in their life. All the financial assumptions
must be made before becoming single mom as mentioned by the investigator of this paper.
The investigator of the paper highlighted that financial management is very much required
for most of the single moms all over the world as the prices of the daily things which we
require in our life in order to live be increasing every day (Rasmussen 2018). The investigator
of the paper also helps in understanding the changes in tax regulations which are also
increasing in our society. The paper also helps in identifying that single mom must be
understanding the significance of checking the credit score every day. The paper also helps in
identifying the features of the housing benefit which is supposed to be understood by the
single moms. Distress and anxiety must be solved in the first places in order to deal with the
financial issues faced by the single moms. There are lots of social circumstances associated
with the financial crisis faced by the single moms throughout the world. Changing the way of
thinking is the other significant way to deal with the financial crisis as stated by the
investigator of the paper (Nawaz et al. 2019). The investigator of the paper added that
parenting responsibility is effect due to the financial crisis of the single moms. The

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investigator also added that the psychological disorder has to be addressed in the first place in
order to complex social need of the single moms (Richard and Lee 2019). The paper also
helps in identifying the significance of the decision making criteria’s, at the same time the
paper also highlights the different ways which helps the single mom to cope up with the
financial crisis which they usually face.
The investigator of the paper added that each of the significant financial decision has
to be taken once at a time in an organized approach. The advantage of taking financial
decision one at a time was highlighted by the investigators of this paper. Tracking each
spending spree is the other significant necessity of every single mom as stated by the
investigators of the paper. The investigator of the paper also stated that identifying financial
stressors are very much significant in order to deal with the huge financial stability (McRoy
2016). The investigator of this paper also added that stress related to money can be solved
purposefully using the financial plan which has to be managed in an organized manner by the
single moms all over the world. Any sort of temptation has to be avoided in the first place so
that the financial crisis does not increases (Meadows et al. 2017). The investigator of the
paper stated that any sort of financial plan can be very significant in order to manage the
monthly budget. The investigator of the paper helped in identifying the expenses which must
be reduced so the financial crisis eases off. Increasing the pending awareness can be very
much significant in order to deal with the spending habits if the single moms. The
investigator of the paper provided in depth analysis of a spending plan which will be very
much significant in order deal with the financial difficulties. The role of the interactive
budgeting respires can be understood from the paper as well. The investigator of the paper
stated that in order to deal with the financial crisis the practise of insurances should be
practised in the first place (Mehrotra and Yetman 2015). The investigator of the paper stated
that the unexpected cost must be avoided in the first place in order deal with the financial

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crisis. There are lots of insurance packages and policies which must be considered in the first
place as it ensures financial stability. The investigator of this paper also helps in
understanding the different between the low cost and the high-cost insurance. All the basic
necessities of our life are sometimes included in the insurance packages in terms of food,
clothing, blanket and computers, pillows, beds, furniture and utensils.
Research Methodology
This is one of the most significant unit of this research proposal which will be
highlighting the data collection procedures of the paper and will be evaluating the data
collection procedures of the paper as well. The interview questions which was asked to the
participant will also be presented in this section of the proposal.
Data Collection method
There are different categories of data collection procedure which are considered in the
research proposals such as the primary as well as the secondary data collection procedures. It
can also be said that both these two categories of data collection procedure can be very much
useful to maintain the effectiveness of the paper (Hudson 2017). Primary data collection is
defined as the type of data collection procedure where data is collected from primary sources
using personal interview, survey questions, and questionnaires (Hoadley, Falkov and
Agalawatta 2019). Whereas secondary data collection procedure is defined as the type of data
collection procedure where data are collected from secondary sources where reliable data are
effectively saved (McNulty 2015). Government databases and Google Scholar are the most
significant secondary data collection sources.
Justification
This research proposal will be considering both the two types of data collection
procedures such as the secondary and primary data collection procedures, both these two

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categories of data collection procedure will be very much significant to maintain the
reliability of this proposal. Primary data will be collected from two single moms one who is
working in a global commercial establishments and the other one who owns a small business
in a complete different conditions using the personal interview. The total annual income of
both the single moms are completely different from each other and same set of questions was
asked to each of these single moms. The secondary data of this proposal will be taken from
reliable data sources such as Google Scholar. Only peer-reviewed articles have been selected
in the secondary data collected processes in order to maintain the reliability of the paper.
Reputed scholars and researchers have stated their opinion about the different ways which
can help the single moms to deal with the financial issues. The secondary data sources are
selected in such a way so that each of the discussion made in the paper are critically analysed.
Both positive, as well as the negative implications along with the future complications, are
the primary selection criteria of the secondary data sources.
Interview Questions
The personal interview questions which was considered in the primary data collection
procedures are listed as follows:
 How do you adjust to yourself after being a single mom?
 How many children do you have currently? What are their names and age?
 Do you have any relationship with the father of your child?
 How long were you together for?
 Does he pay child support?
 How has life changed after being a single mom?
 What are the possible every difficulties faced single mothers?

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 How can the financial issues have an impact on the quality of life of the single
mothers?
 Do you have any baby sitter in the house?
 Do you have ant particular financial month?
 What are the ways to deal with the financial challenges faced by single moms?
 Are those ways really effective?
 What are your future planning regarding financial difficulties?
Justification
The above set of questions can be very much beneficial, to understand the ways
adopted by the single mom when they faces adverse financial situations. Understanding the
relationship with the ex-husband or boyfriend is very much essential as it can help the readers
of the proposal to understand the time duration of the financial issues faced by the single
moms.
Data analysis methods
There are different categories of data analysis methods which are considered in most
of the research proposals such as the quantitative and he qualitative data analysis techniques.
Quantitative data analysis techniques are used to analyses any sort of primary data as most of
the primary data includes some kinds of numerical value. The quantitative data analysis
procedures can be again subdivided in two categories such as the inferential statistics and
descriptive statistics (Henderson et al. 2015). The uses of statistical tools such as the SPSS
are very much common in this type of data analysis techniques, identification pattern and
maintaining the relationship between the variable of the project is done using these statistical
tools. Data analysis tool such as check sheet, scatter diagram and histogram are very much
significant to analyse any sort of primary data. Qualitative data analysis procedures are

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applied on data which does not have any sort of numerical value. Different theories are
considered to study the secondary data such as the ethnography, grounded theory and case
study.
Justification
The primary data of the personal interview will be evaluated using quantitative data
analysis technique, sampling techniques are also used to analyse the primary data. The
secondary data of this proposal has examined using qualitative data analysis procedures.
Sampling method
The data collection plan of this research is directly associated with the sampling
method of the proposal. There are two different categories of sampling techniques which are
used in the proposals such as the probabilistic sampling method and the non-probabilistic
sampling method. Probabilistic sampling method is taken under consideration where data are
collected from random samples (Goldsmith 2016). Different units of data collection is very
much significant for sampling of the data. Non probabilistic sampling method can be defined
as the type of type of sampling method where odds of any sort of data are selected for the
sampling procedure. This type of sampling method is not based on subjective judgement.
The non-probabilistic sampling method can be subdivided into numerous sub categories such
as convenience sampling method, purposive sampling, quota sampling, self-selection
sampling and snowball sampling.
The sampling method which was considered for the primary data of this proposal is
the non-probabilistic sampling method, whereas, the sampling method which was chosen for
the secondary data collection is the probabilistic sampling method.