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The Moneyist: I’m a single mom. I take my youngsters with me on journeys. My mom says I ought to save up for a home. What do you assume?

I am a single mother of 2 children.

I work 6 days a week and also go to school. We live alone in a house that I am currently renting out. I am saving to buy my own house and I am also paying off my car. This pandemic didn't affect my plans very much, for which I am grateful.

Our house is small. There is room for all three of us, but every 3 months I like to rent a hotel room in different cities. Sometimes I rent a hotel room on the beach, in Las Vegas, or other places that I think would be nice to us.

My mom says it's crazy and I shouldn't spend my money on useless things like a hotel room when I have a home. I don't see anything bad in getting away for a night or two and my kids enjoy it and talk about it for days.

Sometimes I doubt if I'm doing something wrong or if I should stop and just save all my money until we buy our home forever. Please give me your advice.

single mother

The money is: My wife has a degenerative neurological disease. My father-in-law wants to take them to an institution – and take over our finances

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Dear single mom who has worked for everything she has and still manages to make her family vacation to remember.

You and your children are a team. Thank your mom for her advice, but tell her gently but firmly that you will make sure you have all of your ducks in a row and that the conversation about your family outings is now closed. Remind her of the memories she made for you as a child.

While your mom is obviously feeling protected and probably just looking after your interests, there is a fine line between unsolicited advice and, if unintentional, vacation shame. Of course, it is advisable to make a plan and save for a goal.

You work 6 days a week and raise 2 children on your own. They essentially have 2 full-time jobs. Taking a short hotel break every few months will give your family a much-needed break from the domestic routine and is likely to have positive effects on your mental health.

It also creates excitement as the vacation date approaches and widens your children's horizons so they can explore different cities. You won't get a second chance at creating these childhood memories for your kids when you have your home forever in 5 or 10 years.

You get a chance to be a mother and you have a chance to be in childhood. If you haven't already, put together a financial plan that includes your family outings and savings for a home that you can call yourself. As your children get older, this can also be another thing to plan as a family.

I don't think you are crazy Like millions of women who raise children yourself while working full-time, I think you are a hero.

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