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Resources & Insights
The FOS Blog
Practical tips, honest reflections, and simple ideas to help you feel more in control of your money.
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Mastering Your Finances: The Key to Achieving Financial Independence
Financial Independence Starts with Knowing Where Your Money Is Going Every July, we celebrate independence. There are fireworks, BBQs, flags, family gatherings, and probably at least one person who insists they are “in charge of the grill” while burning the hot dogs. But Independence Day can also be a good reminder of a different kind of freedom: Financial independence. Not the kind that means you never have to work again or have every dollar perfectly figured out. For most p
Suzanne Reitz
Jul 14 min read


Maximize Your Finances: The Importance of a Mid-Year Money Review in June
It may not be tax time — and honestly, thank goodness for that — but June is one of the best times to look at your finances. We are halfway through the year, which means there is still plenty of time to make adjustments before the year gets away from you. This is especially important if you own a business, are self-employed, or feel like your personal and business finances have started blending together like a smoothie no one asked for. A mid-year money check-in does not have
Suzanne Reitz
Jun 124 min read


Tax Prep Without Panic: How to Get Organized Without Losing Your Mind
Gathering tax documents doesn't have to be stressful. Let’s just say it. Most people don’t hate taxes.They hate how taxes make them feel. Behind the procrastination is usually: Overwhelm Fear of missing something Shame about disorganization Or the quiet suspicion that it’s going to cost more than we want But here’s the truth: Tax prep is not about perfection. It’s about preparation. Why Tax Season Feels So Intense Taxes force you to look at your numbers. "Wait...I made how mu
Suzanne Reitz
Feb 283 min read


Holiday Magic on Limited Time: Stress-Free Traditions for Single Parents
Hot cocoa and games: an easy holiday tradition that won't break the bank The holidays have a way of turning up both the joy and the pressure—especially if you’re a single parent trying to balance work, kids, and the endless list of holiday to-dos. Between school concerts, meal planning, shopping, and trying to create meaningful holiday traditions for kids , it can feel like you’re juggling ornaments while walking on ice. Here’s the good news: you don’t need a picture-perfect
Suzanne Reitz
Nov 29, 20253 min read


Back to School Shopping (Without Breaking the Bank)
Back-to-school shopping doesn’t have to mean back-to-broke season.
From setting a clear spending plan to saving receipts for shared expenses, a little strategy can keep your budget intact while giving your kids everything they need to start the year strong. Learn how to shop smart, avoid overspending, and make the most of every dollar this school season.
Suzanne Reitz
Aug 9, 20252 min read


15 Free or Low-Cost Summer Activities for Single Moms and Kids
Looking for affordable ways to enjoy summer with your kids? These 15 free or low-cost activities for single moms are fun, easy, and perfect for making lasting memories.
Suzanne Reitz
Jun 23, 20253 min read


Bagging Bargains: How to Grocery Shop on a Budget without Breaking the Bank
Grocery shopping on a budget can feel overwhelming, especially with prices rising and countless choices available. However, with smart...
Suzanne Reitz
Jun 23, 20256 min read


Smart Investing for Single Moms: A Beginner’s Guide
Learn how to start investing as a single mom with simple, actionable steps. Build financial security for your future and your family—even on a single income.
Suzanne Reitz
Jun 23, 20253 min read


Why Every Parent Needs a $1,000 Emergency Fund—Yes, Even If Money's Tight
Having a financial cushion of $1000 can give you peace of mind!
Suzanne Reitz
Jun 23, 20253 min read
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