"I can't really afford a car. I'd rather feed my kids than have a car."
Ms Fowler, who is a beneficiary, thought the bicycle would be safe around the side of the building.
"I don't usually lock it when it's outside the church because I think it's going to be okay there.
"I came out and it was gone," she said.
"I was like, 'What am I going to do now?"'
She said she felt "helpless" and she could not rely on her elderly parents for transport.
Ms Fowler has a message for the burglars: "If you're worse off than I am, good - you can keep it. But if you can understand my situation ... I don't have my independence."
Ms Fowler has reported the incident to police.