Buying a Home as a Single Parent

How to Buy a Home as a Single Parent: Loans, Grants & Support ...

Buying a home can be challenging at the best of times. Buying a home as a single parent, especially after a divorce, can be a daunting experience with its own set of challenges. After all, there are so many steps, tasks, and requirements, and you may be anxious about making an expensive mistake. The person you were used to make decision with is no longer by your side and all the responsibilities lie on you now.

Whether you owned a home together and now you are buying alone, or if you were renting before and are now purchasing your first property, you are venturing in new territory and you are finding making this decision scary, but the dream of owning your home can be done if you give it proper consideration.

Below you will find some tips which may assist you in being more comfortable with what is most likely going to be the biggest purchase of your life.

1. Decide whether owning your home makes sense as a single parent.

Buying a property comes with responsibilities and it is not for everyone. It is quite different from renting and therefore you need to inform yourself on the implications of buying vs renting.

2.  Make sure your divorce is final.

It is important that your divorce is legal and final, especially if you are married in COP, as buying a home before your divorce is final will mean that you will actually be buying the home together. So, if you are still married or the divorce is in process, wait for the divorce to be final.

3. Find out how much you can afford as well as your Bond affordability

You live with the monthly payment, not the purchase price. Think carefully about your budget.

4. Budget for your costs

It is important that you account for ALL related costs. Whether you are taking a bond or part bond, you will have added transfer costs. Ask your Estate Agent to provide you those costs so that you have budgeted well.

5. Work within your budget

This one is very important as you may be tempted to stretch yourself over a property that you fell in love with. Remember to consider all the costs and the monthly payment.

6. It’s your house.

Be less concerned with asking for people’s opinions and more focused on connecting with what you want and what your housing priorities are. Now is the time to own your singlehood! You may still wonder what your ex may think about the property, but remember, this is your house. What’s important are what your needs and what your wants are for your home as well as that of your children. No one else’s.

7. Location, location, location!

Don’t just fall in love with a property. Get acquainted with the neighbourhood and evaluate if it offers what you are looking for as part of the bigger picture.

As you are determining what is important to you and your children, it is a good idea to create a checklist to make sure, as you are viewing homes, that your needs and wants are being met.  

Buying a home as a single parent can certainly be challenging, but it’s not impossible as long as you have a clear understanding of what to cover and expect. Owning your home as a single parent has many advantages and is a great opportunity to provide stability and security for yourself and your children.  So go ahead and turn your dream home into an address!

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Stay away from STILL people

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The dictionary defines STILL as remaining in place or at rest; motionless; stationary: to stand still, free from sound or noise, as a place or persons; hushed; free from turbulence or commotion; peaceful; tranquil.

However, there are also the STILL people.

People who are are still making excuses; still not taking responsibility; still complaining; still angry; still blaming others; still trying to control others; still stuck in the victim mentality; still wondering; still hoping; still trying…

Are you Still doing something that is getting you nowhere?

It is as important to stay away from Still people as it is to stop being a Still person.

Whether you know a Still person, or if you are Still person, it means your situation is stagnant. There is no growth and STILL not finding a solution to the undesired situation.

If you want change but are Still doing the same thing, isn’t it time to explore new ways of doing things and remove yourself from this stagnant situation?

If you are the person stuck in a STILL mindset or if you need to remove STILL people from your life, either way, it has to begin with you. You are the only person who is in control of your behaviour and therefore the only person who can make this happen.

“STILL” people are the ones who wait for something to be done. They are forever victims of their circumstances.
If you are STILL identifying with this, it’s time to get moving and DO something about it.

It’s time to ask yourself: Who Am I?

Based on My Blueprint Model, these 3 small words hold the key to unlocking your full potential and will assist you to get along better with the people who are important to you and enlighten you in why you do the things you do.

Are you curious about understanding what motivates you to behave the way you do and wish to effect change? Then contact me now and take advantage of the Lockdown Special of 5 Consultations for the price of 4.

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When I hear or read the word LOCKDOWN, I always picture a huge vault like door with a loud mechanical sound! How about you?

Well, I know that for the many parents who have reached out to me since the Lockdown, it means feeling at a loss dealing with their children being at home all the time.  

For some parents it means juggling a normal day’s work from  home, for others it means having absolutely no respite from house work, kids and homework. If that is not enough, the added responsibility of remote schooling, the panic around how will losing school time impact on their children school year and the financial uncertainty of our future has come with its fair share of added challenges, but mostly, parents have asked me the same question: How can I discipline my children under such conditions?

To begin answering this question, I would like, first, to clarify the meaning of “discipline”.

The word “discipline” originates from the Latin word disciplina which means “instruction” and derives from the root discere which means “to learn”. The word discipulus which means “disciple or pupil” also stems from this word.

It is very important to rethink this since, because for many parents, discipline is confused with control, imposing rules, and punishing. But when guiding our children, do we want to make our children feel bad about themselves or do we want to teach them how to be better equipped to face challenges and obstacles proactively and ultimately learn to make good choices for themselves?

Parents, this is what you are first and foremost to your children. You are teachers and role models who lead your children into preferred behaviours. Your kids are learning how to behave, more often than not, from you. If you are having a hard time, it is more than likely that they are too.

My Blueprint model teaches how to effectively know yourself and open your mind to your interactions with others.

When in confinement with several family members, and facing a crisis like we are now, many of us get tested with our relationships and it is perfectly okay to feel and be vulnerable.

Everyone’s experience though is different and being a positive role model does not necessarily mean that we have to hide our stresses, but it is important to remind ourselves that our responsibility towards our children is to lead them in the best way possible through the current challenges.  

So here are 5 Lockdown tips to consider:

  1. Understand that behaviour = communication – Children do well if they can. If they are not using a positive behaviour to get what they want, they are not giving you a hard time. They are having a hard time.
  2. Do not focus on their behaviour, focus on their needs. – Behind every behaviour is a need that is not being met. Learn to tap into your children’s needs in that moment.
  3. Ask yourself: Is what I am about to say or do going to bring me closer or further apart from my chil/ren. – Will grounding them or taking away the cell phone, or trying to control their behaviour bring me closer to them or is it likely to create a greater rift between us, thus missing on a great learning opportunity?
  4. Consider what is within your control and what is out of your control. – The only person whose behaviour you can control is your own.
  5. Ask yourself: Am I a role model, to my children/ren, worth following? – Children are the product of their environment. Am I leading by example?

We live in a world where we are continually faced with difficult situations. How we respond to these situations is a choice. Our choice.

When we understand our Blueprint and why we do the things we do, we understand ourselves as a whole. We can learn to be kind and loving towards our self. From that place, we can love others well too.

Empowering yourself to empower your children is the greatest gift you can bring to them.

You can make use of the #COVID-19 PROMOTION for all your Lockdown Parenting questions.

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Happy New Now!

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This time of year, all we hear and read are:

  • New Year, New Me
  • Leave the past behind
  • New beginning
  • This was a tough year, may the new one be kinder …

Then we repeat these exact same thoughts the next year. Sounds familiar?

To set out a future goal, it has to begin with you. If you don’t understand WHO you are, WHAT you want and what you are DOING to get it, your New Year Resolutions, will always be forever re-written on the 1st January.

Forget about leaving the past, starting a new year, writing a new beginning. Stop thinking in terms of New Year, New Me.

The future is what you’ll make it to be, so instead of making resolutions which will fizzle away after a few weeks, make this a Happy New Now and do not attempt to change yourself. You are who you are. Stop wanting to be someone else, but instead, change what is within your control to evolve into the person that can get more of what you want in the future.

When you understand who are you are, you set yourself on an evolving journey in which your past becomes a reference to your learnings and your future plans serve to adjust your sails to keep you on track of your destination.

So, instead, focus on a New Now and Evolving Me!

We can’t control the future, but we can influence the present to get more of what we want in the future.

You cannot leave a job for a better job. You leave a job because you are not happy, or no longer happy, with this job.

You cannot leave a relationship for a better relationship. You leave a relationship because you are not happy, or no longer happy, with this relationship.

You cannot leave a country for a better country. You leave a country because you are not happy, or no longer happy, with this country.

The primary cause for unhappiness is never the situation, but our thoughts about it. We must become aware of the thoughts we are thinking.

The more you give anything else the power over your happiness, the more you will keep repeating, every year, to leave your past behind and hope for a better new year.

Do what you have to do now, with what you’ve learned from yesterday for a better tomorrow and with the understanding that your happiness is your responsibility, no one else’s.

To understand this better, I have designed a method called MY BLUEPRINT.

This Blueprint is an explanation of human behaviour and how to effect change. It will assist you in understanding who you are, what motivates you and what habits you have created to get what you want.

You do not have to reinvent yourself to better yourself. You just need to understand your Blueprint and correct what is necessary to achieve your plans efficiently and responsibly.

My offer for January 2020 is 10% discount on a Blueprint Initial Consultation.

Contact me to book your consultation.

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Parenting Plan – cont.

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For many divorcing/separating parents, a Parenting Plan is a document that completes the divorce or separation agreement and sets some markers for their co-parenting relationship.

While it states the obvious on getting parents to agree on the sharing of the children, it also outlines some finer details necessary to raise children together while being apart.

But a Parenting Plan is not fail-proof and more often than not, parents find themselves contesting the terms after it has been made an order of court.

So, why is that?

This is because, for many separating/divorcing parents, the Parenting Plan lists a selection of generic guiding principles which are used as an inflexible template and therefore cannot be sustainable in the long run.

While a Parenting Plan is a legal document which is usually drawn by a legal professional, it really requires the insight and mindfulness of a professional from a mental health background specialised in family therapy; divorce and co-parenting.

A GOOD Parenting Plan will set the co-parents on a path of understanding properly the challenges of the co-parenting relationship, and equip them with strategies to overcome them in the long term.

With a good Parenting Plan in place, co-parents can dismiss the fear of parenting apart and embrace strategies to raise their children on a foundation of sustainable shared principles.

The right plan will help you better manage your co-parenting behavioral challenges. The wrong one will diminish your co-parenting relationship.

Parenting Plans that co-parents find themselves contesting soon after they have been drawn are plans that have been drawn to solve problems somewhat unilaterally. Usually the legal professional who assisted them, is the one who decided the solution to a given problem and imposed that solution as the one to be agreed upon. It may incorporate some wisdom and values, but it demotes the purpose of the co-parenting relationship. It sends the clear message that what is written has to take place and leaves no room for differing points of view and how to resort to them.

Drafting a GOOD Parenting Plan, on the other hand, creates a platform for solving problems collaboratively. The process of reaching a GOOD Parenting Plan allows Co-Parents to realise that if you are having difficulty meeting expectations, something must be getting in the way. It allows to also recognise that you are each other’s best source of information when it comes to raising your children as their family, and not just referring to a template drawn in an attorney’s office.

You learn to work together to solve your co-parenting problems.

It is time for divorcing/separating parents to take back their responsibilities as parents and move forward with the understanding that while the situation may not always be ideal, your children deserve growing up with drama-free co-parenting!


“Everything you now do is something you have chosen to do. Some people don’t want to believe that. But if you’re over age twenty-one, your life is what you’re making of it. To change your life, you need to change your priorities.”
John C. Maxwell


The Law doesn’t Raise Children. Parents Do!

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Be on the same page.

I am often being approached by one parent enquiring on what their rights are regarding a Parenting Plan, because their co-parent’s lawyer is sending them a Parenting Plan that must be signed by a certain date.

This is nothing short of bullying.

A parenting plan is first and foremost a document developed, negotiated and agreed to by the parents of a minor child, and approved by the court.

A parenting plan may address issues such as the child’s education, health care, and physical, social, and emotional well-being, and must include a time-sharing schedule.

A Parenting Plan is the subject of regulation in ss 33 to 35 of the Children’s Act and must comply with the best interest of the child.

To be blinded by emotions towards your co-parent and struggling to envision a co-parenting future can be understood and it can be managed and resolved with some co-parenting coaching, but when an attorney nudges you to ignore the fundamental need to be on the same page as your co-parent, it is bullying and not acting in the best interest of your children.

When it comes to the children, unless the one parent is clearly and undoubtedly reported as a danger to the child, parents need to remember that their children instinctively identify with both parents. Children need to love and be loved by both parents. Parents, therefore need to remain on the same page.

Ultimately, what is in the Best Interest of the children is to Value the other parent’s Relevance and Role in your children’s lives.

So, if you are a parent being presented with a Parenting Plan which you were not part of to develop, negotiate and agree on, then seek Mediation as a means to develop, negotiate and agree on the Parenting Plan, in the best interest of the children.

The Law doesn’t Raise Children. Parents Do!

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Child Maintenance

Legally, both parents have an obligation and responsibility to support their children. This financial responsibility includes both direct and indirect costs such as education, medical, food, transport, clothing and accommodation.

Child maintenance is then calculated bearing in mind the parents’ financial situations as well as the realistic needs of the child.

The Maintenance Act creates a platform for one parent to apply for a maintenance order against the other parent to allow the first mentioned parent to contribute appropriately towards their child’s expenses when the parents’ earnings are not equal.

So why are so many parents fighting and even defaulting on their responsibility towards their children? What must we understand from such a behaviour? Though not every parent thought about all these financial implications when choosing to have children, it is general knowledge that having children is costly and a very long-term commitment at that. So, what changes when parents separate? Is it possible that their anger towards their ex loses them into forgetting about their parental role and responsibilities?

If this is so, it is of utmost urgency to regain back that responsibility.

The perception that parents must cough up thousands in child maintenance because of divorce is a very skewed perception. Parents are already paying, every day, towards their children’s needs and spoils. Before a divorce happened, you were paying for your children to eat, to be clothed, to go to school, have a roof over their head, to be spoiled with going to the movies, get their video games, be equipped for their favourite sports … the list goes on. Where does it say that this is going to be any different after a divorce? When do parents think it is going to be any different after a divorce?

A divorce is certainly costly, especially if you go the litigation route i.e you engage in this process with a mentality to fight to win … but to win what exactly? More money? Unless you are divorcing from a celebrity or a business mogul, it is likely that you are a normal working family where your pay check will pay the bills and have a bit left for this and that. Yes, a divorce will incur extra costs as parents need now to plan each for their own accommodation, but the children financial needs before, during and after a divorce remain the same, so what suddenly motivates certain parents to contest their children financial needs?

While some amounts paid over to the other parent may be contested because it is claimed to not be spent towards the children, when a parent stops paying school fees, medical aids or any direct costs that are meant for the children, it is a deliberate disregard to their responsibility towards their children’s financial needs.

In this perception of maintenance, it is most likely that fear plays an important role. Splitting a family comes with its challenges and the unknown of moving forward can be very daunting. The financial strain that will be felt with high attorneys’ fees is real and will impact your immediate budget which needs to be carefully allocated.

To this I say:

Seek Mediation to keep costs down and to engage in a process that will be mindful of everyone’s needs while supporting everyone’s emotional state. In finding that your fears can dissipate because Mediation offers a platform where you can safely, carefully and responsibly address your fears and needs, you regain back control over your situation and most importantly you can embrace that you are, in fact, not building a case around how much you need to pay for your children, but instead how you can best manage 100% of your responsibilities when your children are now sharing 2 homes.



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The Blueprint Challenge

So, I don’t usually jump on internet trends and fuel up with my own 2 cents and I certainly was not going to do it with the Momo Challenge! However, an article from KAREN HOPE BLACHER made me choose to act otherwise for the only reason that it is a brilliant article which actually offers a solution instead of digging further in a fear based propaganda. [The link to this article will be provided at the end of this article.]

People are very quick to react and join in a collective fear, anger or ineffective behaviour. This mass uproar sure brings some level of awareness, but hardly any sustainable solution! While some people join in to shout a loud message of “Something has to be done”, few actually “Do something about it”.

So how do you do something about it? How do you find and offer a solution?

This article is brilliant in that it aligns itself with my teachings of getting to know one’s blueprint. You see, it’s not enough to understand and be able to state that everything begins with you, one needs to be able to implement it, not as occasional events challenge your behaviour, but as a second skin. Your blueprint is you. If you do not understand who you truly are and how to be truly you, as opposed to what society has worked hard at designing for you, making you believe who you should be instead of who you already are, you will remain hostage to many news like the Momo Challenge.

All we ever receive is information. What we do with this information is up to us, and no, it is not the information that makes us behave in a certain way, it is our very personal idea about the information that makes us respond in the way we do. Why do certain people, upon seeing a spider will scream and start making some very interesting dance move at the very sight of that spider (that is me by the way) and others will see a beautiful animal which needs to be removed from being exposed to a dangerous erratic human and released back into a natural environment to remain safe from a certain death? It is not the spider which is causing you to feel fear. It is your perception which creates meaning to the information you are receiving.

Danger is all around us and a lot of our fight or fly behaviours serve a purpose which is to protect us, but when a perceived danger is being addressed with a consistent response to run and squash the spider, when upon closer look it turns out it is a plastic spider, the problem is no longer the problem, the problem is our attitude to the problem.

Children are the products of their environment and it is our responsibility to discipline (which by the way means to teach, and not to punish) them about the very environment they live in. We know that our beautiful world is not perfect and that this amazing human race is also not perfect. Disciplining (teaching) our children into fear of our imperfect world is not going to allow our children to learn that they actually have power over their perception and action. As parents, we have the huge responsibility to help our children mould their Blueprint and not just teach them to join in with the mass who is disconnected from their Blueprint, from knowing who they really are, or just impose on them our own ill understood fears and anxieties. When we do so, we rob our children from knowing that they have power to self-reflect and look beyond a problem to create a solution. Fear based information will only teach your children to join the mass who is very good at screaming, “something must be done” rather than looking within, check in with their Blueprint and take action to do something about it.

The choice is yours.

You can read the article I refer to HERE.

If you are interested to learn about your Blueprint or become fluent in REALity Parenting discipline, take the Blueprint Challenge. You can reach me at

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Broken-hearted this Valentine’s Day? Rule No 1: Don’t call your ex!

There are many ways to get through Valentine's Day if you're lonely and single. None of these involves calling your ex, say divorce experts.


12 February 2019 – 11:27BY NIVASHNI NAIR

Source: Times Live

There are many ways to get through Valentine’s Day if you’re lonely and single. None of these involves calling your ex, say divorce experts. 

You may be tempted to contact an ex this Valentine’s Day. Don’t make that call.

SA relationship experts say exes are best left in the past.

“While it is very tempting to call your ex when you’re feeling lonely, bear in mind the reasons why this relationship ended. These reasons are telling you that this person is not right for you so making that call means you are willing to settle for less than you really deserve,” professional matchmaker Kas Naidoo said.

Her tips to avoid contacting a ex on Thursday include getting physical.

“No, not that – go for a walk. Exercise releases endorphins, which are a ‘feel-good’ hormone,” she said.

Phone a friend.

“Tell them beforehand that when you call, it means you need a distraction fast. Whether it’s a trip to the mall, the gym or just hanging out with a movie and some popcorn; it will help tremendously to have some company and not give in to temptation,” Naidoo said.

Founder of the SA Divorce Support Association, counsellor, and mediator Nadia Thonnard said the end of a relationship is not the breakup point of one’s life.

“It’s a change of direction. Embrace your journey. The future isn’t written yet.”

“It is what it is. Just accept it. You have no control over others, but you can control yourself and how you react to them. You can choose to be mature about it or you can choose to be irresponsible about it. Your choice will determine the quality of your experience.”

Thonnard’s tips to avoid contacting an ex this Valentine’s Day are:

  • Be with people who make you happy. Whether family or friends, surround yourself with happy people and enjoy your time with them.
  • Be busy. Whether it is spending time in nature, catching a movie or rearranging your home, keep yourself busy with healthy alternatives.
  • Switch off your phone! Yep. That simple. If you do not trust yourself, disconnect completely. Allow yourself to grieve and if you need to be sad on that day, then be sad. Give yourself permission to feel every feeling.
  • Stock up on ice cream, settle in front of Netflix and nurture yourself with the understanding that the following day you will be ready to take on a new day, stronger, healthier and happier!

Parental Alienation

Everyone, by now, is familiar with the term Parental Alienation.

I am not going to write about what is Parental Alienation. The subject has been widely documented as it is. What I want to write about is how to prevent it.

Whether it is deemed illegal or categorised as a mental illness is not going to help find a solution.

What needs to be taken into consideration is that Parental Alienation happens mostly during and after a divorce/separation. It is fuelled by high and overwhelming emotions and if the parent who is spiralling out of control into these emotions is not given proper emotional support, no amount of court orders, restraining orders or aggressive lawyers is going to resolve the issue. If anything, it’s going to make it worst.

Parents who get blinded by such emotions to a point that they cannot see the harm they are causing the children, need emotional support first and foremost.

So how do we prevent it?

Separating parents need to acknowledge that Parental Alienation is a real concern and a real possibility in a divorce. So if you foresee that your relationship to your children’s other parent is reaching an end, do raise the topic of Parental Alienation as part of the news of your separation. You will be making some very quick decisions such as who is moving out of the home first, so you need to talk about the children too. Any parent who leaves a relationship without addressing concerns about the children and leaving them to be addressed in the divorce process and in the Parenting Plan will miss out on setting the tone for protecting their children from such emotional fiasco.

So yes, Parental Alienation ought not to become something that parents raise once they are being targeted. By that time, a lot of damage has been done already. Parental Alienation needs to be talked about before it happens. If you suspect, in your relationship, that a breakup is at risk to send your co-parent in a spiral of destruction, know that being mindful about the breakup is a priority. Take responsibility for your children by managing this life changing decision, the news and the way forward.

A potential alienator is a hurt person who is being controlled by their emotions instead of being in control of their emotions. Taking responsibility for laying a mindful foundation that will protect the children from becoming hostage of your unmanaged situation will spare much hurt for everyone concerned.

Truth be told, you know your co-parent well enough to presume if they would be capable or not of such retaliation.

If you are dealing with a co-parent whom you foresee being capable of becoming an alienator, it is your responsibility, in regards to your children, to do as much as possible to prevent this from happening.

If you are of the opinion this could be a possibility, then engage on the topic with your co-parent. After all you are the adults and you will be having conversations about your children and their wellbeing for the rest of your lives, so this is such a time where your children’s wellbeing require very serious attention.

Consider these points if contemplating a separation/divorce from your co-parent:

  • Understand that while a relationship is about love, a separation is about money and the children. A lot of consideration will need to be given to both in order for the separation to be as mindful a transition as possible. While you are responsible for your choices, your children remain dependent on those choices. Allow them to be spared as much as possible and not be thrown in the middle of the chaos. Both parents have to safeguard their children as a priority.
  • Take responsibility for your emotions. Going through a separation is really emotionally overwhelming, for both parties. Seek divorce coaching before anything else. No good decisions will amount from badly managed emotions.
  • There is no other word. Parental Alienation is abuse! And yes, you may have well meaning intentions such as: “my spouse hurt me so I will make sure they don’t hurt my children too”, (we are not raising here the implication of protecting them from a physically abusive parent) but alienating your children from their other parent, even if it was an absent parent during the relationship, is abuse.
  • Do not let your anger for your ex take over the love you have for your children.

In other words, before you become a targeted parent and your children become hostage to a most toxic situation, do your due diligence on what the outcome of the news you are about to drop on your co-parent may unfold in and plan accordingly.

Everything starts with yourself!

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