Planning for Summer Break As A Single Mom

A blog graphic with the title Planning For Summer Break As A Single Mom by Tricia Mulcare. Text offers advice for single moms during summer. At the bottom right is a smiling woman with wavy hair in front of a red gradient background.

Summer break is just around the corner, and as a newly single mom, you might be worried about how to create a fun and memorable experience for your children without stress. Whether you’re looking to keep things budget-friendly, stay local, or take a big adventure, here’s how to plan a summer break that works for you and your kids.

Set Your Budget and Expectations

Before you get caught up in vacation dreams, look at your finances. Ask yourself:

  • Can I afford a trip, or should I focus on local activities?
  • Do I need to split time with their dad?
  • How much time can I take off from work?

Once you set your budget, you can start planning in a way that won’t leave you feeling overwhelmed. If a big trip isn’t possible this year, that’s okay—your kids will remember the time you spent together more than the money spent.

Choose a Destination (or Staycation Plan!)

Here are a few options depending on your budget and situation:

  • Road Trip Adventure – If a full vacation isn’t in the cards, a simple road trip to a nearby city, national park, or beach can be a great way to get away without breaking the bank.
  • Staycation Fun – Explore your own city like a tourist! Book a night at a local hotel, visit museums, try new restaurants, or do a scavenger hunt in your town.
  • Budget-Friendly Travel – Look for last-minute deals on flights or vacation rentals, or consider a simple camping trip in nature.
  • Home-Based Fun – Plan themed days at home, such as a movie marathon, arts and crafts day, or DIY backyard camping.

Keep It Simple and Kid-Friendly

The key to a successful summer break is making sure it’s enjoyable for everyone, including you!

  • If traveling: Keep your itinerary light. Too many activities in one day can leave everyone feeling exhausted.
  • If staying home: Let your children be part of the planning process! Let them pick a theme for each day—one day could be “Beach Day” with water games, another could be “Science Day” with fun experiments.
  • Plan downtime: Whether you’re at home or on the go, don’t pack the schedule too tightly. Children (and parents) need moments to just relax.

Co-Parenting Considerations

If your children are splitting time with their other parent over the break, try to plan ahead to avoid last-minute stress. Work out a fair schedule, and if necessary, use apps like OurFamilyWizard to keep communication smooth.

For the time during the break when you won’t have your children, plan something enjoyable for yourself! A short getaway, a spa day, or catching up with friends over coffee can be great ways to recharge your batteries.

Pack Smart & Plan for Flexibility

If you’re traveling, make a checklist of essentials, especially if you’re going somewhere with unpredictable weather. If you’re staying home, have backup plans in case of bad weather or unexpected changes.

Final Thoughts

With only a few summer breaks before the children graduate, it is important to remain focused on creating joy and making memories, not about perfection. Whether you’re hitting the road or keeping it simple at home, focus on the laughter, quality time, and special moments with your children. What’s most important is that they feel loved and supported, and that you have a chance to enjoy this new chapter in life, too. You’ve got this!

To learn more or get help with your finances, please visit us at homrichberg.com, send an email to info@hbwealth.com, or call 404.264.1400.

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Important Disclosures

This article may not be copied, reproduced, or distributed without Homrich Berg’s prior written consent.

All information is as of the date above unless otherwise disclosed. The information is provided for informational purposes only and should not be considered a recommendation to purchase or sell any financial instrument, product, or service sponsored by Homrich Berg or its affiliates or agents. The information does not represent legal, tax, accounting, or investment advice; recipients should consult their respective advisors regarding such matters. This material may not be suitable for all investors. Neither Homrich Berg nor any affiliates make any representation or warranty as to the accuracy or merit of this analysis for individual use. Information contained herein has been obtained from sources believed to be reliable but are not guaranteed. Investors are advised to consult with their investment professional about their specific financial needs and goals before making any investment decision.

©2025 Homrich Berg.

A woman with curly brown hair smiles warmly. She is wearing a black jacket over a light blue top. The background is softly blurred in shades of blue and green.

Tricia Mulcare, CFP®, CPA, PFS

Senior Wealth Advisor, Shareholder

Tricia joined HB Wealth in 2003 after spending four years with Ernst & Young. While at E&Y, in addition to becoming a CPA, Tricia led teams within the federal tax consulting group to determine research and development tax credits for major corporations throughout the Southeast. Originally from New Jersey, Tricia earned the Girl Scout Gold Award (equivalent to the Eagle Scout) before attending Indiana University. While in Bloomington, in addition to earning her bachelor’s and master’s degree in accounting, she became an avid college basketball fan.

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