Shop around. Turn lights off when no one is in the room. Chemistry / Getty Images. How To Create the Perfect Schedule | For Homemakers, Stay at Home Moms and Career Ladies alike - Duration: 7:07. Another option is selling products on Amazon. But, after figuring out how to effectively meal plan, I’ve grown to love it and I could never imagine going back to not using a meal plan. It’s got the best AI. Code: THRIFT15, How We Downsized Twice in one Year and Survived! Â. (I don’t blame them! Stay at home moms can save money by cooking wholesome, homemade dinners every night for their family to enjoy. Add any … When I started out, I knew my goal was to … Add up all other monthly debt payments -- student loans, home-equity loans, personal loans, credit cards, etc. Living as a single income family on one low income is possible, and I want to show you how we do it. I want to tell you that, if you and your family are willing to make some changes, becoming a single income family IS a possibility (and I want to help you get there). (And a legit one that actually makes REAL money. Shopping around and spending hours on the phone with several companies doesn’t sound. Being a one-car family will take a lot more planning on your part (if you or your kids have appointments, you will need to plan in advance so you can drive your husband to work that day), it will save you a significant amount of money. Tips for Stay at Home Mom on a Budget. ), If you’re particularly good with writing and grammar, becoming a freelance writer from home could be a good option for you. Since we can’t afford to pay for many activities, we’ve been extremely thankful for the number of free activities there are around. This mock budget would be created as if you were living off of one income already by only accounting for your husband’s income on the budget), and exactly how much money you have going out every month. 13 Ways For Stay at Home Moms to Save Money This seems like a simple step, but a lot of people don’t know exactly what they bring in on a monthly basis.   You need to know the exact figure so you know what you will be living on. Did you know that you can make a good living by selling products on Amazon? A debt management plan can be built into your budget so you can pay off your credit cards, mortgage and eliminate your overall debt.. You may not be able to pay off all of your debt today, but you can create a realistic plan to work towards paying off that debt. (. (Which will help you afford to be a stay at home mom!).  | This post may contain affiliate links, which means that if you click on one of the product links, I’ll receive compensation when the item is purchased.  Please read my full disclosure for more information. The biggest monthly expense most families have is housing costs. Whether you need a mom schedule during quarantine or you are just ready to get your days back on track, you will want to use these ideas to help you thrive as a mom. Even if the process of paying off debt is slower, it is totally worth it to be able to be more financially free AND stay at home with your kids. Expenses that are wants, not needs, should be considered for removal if you really want to be a stay at home mom and make living on one income possible. Google for Jobs is the best search site to find jobs for stay-at-home-moms. My husband and I bought all our vehicles used and with cash, but even though we didn’t have monthly car payments to make we were still able to save around $5,000 year by becoming a one-car family just on fuel, maintenance, and insurance. My husband and I have been a one-car family for 2 years now, and even though it was an adjustment at first, it has been one of the best things we’ve done. It breaks my heart when I hear of moms who long to stay home and raise their kids, but can’t afford to because of their family’s financial situation. Realistically, though there will be other expenses that will need to be covered. A stay-at-home mom works many jobs throughout the day. Being a stay-at-home wife or stay-at-home mom may actually be a burden to your family if you’re creating a financial mess that you’ll have to clean up later. I never thought I’d be a stay-at-home mom. 2. The average worker spends a record high of 53.2 minutes per day, according to the most recent data from US Census Bureau, and most drive a single-occupancy vehicle.. Let’s make a conservative estimate that each commuter is driving about 30 miles. Your non-essential (but still kind of essential) items might be things such as a haircut, a date night, gifts for family members and any other items that aren’t required for survival, but are nice to have money for. ). Whether you are a career woman or a born to be homemaker (pre-kids), things change once that baby looks at you for the first time. {Don’t worry—if you feel like you are going to suffocate without your daily Starbucks fix, you might be able to add that back in later, but let’s get you home with your kids first!}. She's a nurse, chauffeur, chef, teacher, playmate, housekeeper, laundry attendant, accountant, and babysitter all rolled into one. it at first. But, this bill isn’t going to magically drop in its own. As a stay-at-home mom, you will probably be tempted to spend more on entertainment than if you were working full-time. Now that we’ve gone over what you can save by quitting your job, let’s go over how to afford to be a stay at home mom. Success! Downsizing your house, your car, boat, and any other property that is costing you money (or has great value and is paid off), could be the answer to you becoming a stay-at-home-mom. I was a shopaholic who visited the mall and/or Target at least once a week. (Try Amazon Prime FREE here.). When you start implementing some of these tips, it is incredibly empowering when you start receiving results. If you don’t have kids yet, but you plan on having kids, pay off your debt NOW if AT ALL possible.  I don’t think you should put off having kids if you have debt, but it sure does make it easier to be a stay-at-home-mom! Eat Breakfast. By shopping around for better rates you could save yourself a couple hundred dollars a month. So, how did we budget our money so I could become a stay-at-home-mom? Learn how to afford to be a stay at home mom here. need a 2,500 square foot house, or could your family live comfortably in a 1,100 square foot house? All of the stay at home Mom jobs that I mention here are things that I have actually done in the past and/or am still doing now to make money as a stay at home Mom. Apr 5, 2018 | HOME, HOUSEHOLD FINANCES | 2 comments. When I first considered becoming a stay-at-home mom three years ago, I knew adjusting to one income would be a challenge. My husband and I have been incredibly blessed and I have been able to be a stay at home wife for many years now, and just recently as our family grew, I have been able to be a stay at home mom. Being a stay-at-home-mom is at the top of wish lists for a lot of women. I think I tend to glamorize things (including being a stay-at-home mom) so this really helps give me perspective and sets me up to be able to rock the stay at home thing…well eventually it sounds like ;) Thank you for sharing! Maybe it is at the top of yours. We talked about becoming a one-car family, but what about when it comes to that one car that you DO have. This is the amount you will be working with as a one income family. 1. These meal plans help you use up the food you have, create meals on a budget, and in turn, can save you hundreds of dollars every month on groceries alone. If you currently stay home or are considering it but aren’t sure how to afford to be a stay at home mom, read on for tips on saving money and lowering your budget. Unnecessary expenses, or wants, are expenses like cable, monthly subscriptions, entertainment, etc. Like, it didn’t even seem possible or within the realm of reason. Plug your stay at home moms job ideas into Google. Sometimes excess spending looks like frivolous Amazon shopping (admitting guilt here), while other times it might be the food you buy and waste because you never make a grocery list or meal plan. You may be able to get a lower rate on your phone bill and insurance by making a quick call to the company, explaining that you’ve been a customer for theirs for however many years, and asking if they can offer you a lower rate. Stay at home moms have a hard job. Supplementing your husband’s income by utilizing your skills to bring in a small income from home is one way many stay at home moms make it possible, even when finances are extremely tight. Ten days after I graduated with my Masters degree, I had my first baby. Most companies will gladly look into lowering your rates for you. Rather than recount the details of how my husband and spent three years working our financial plan that enabled me to stay home full-time, I’m going to ask you some of the most important questions we asked ourselves. Since my husband and I became intentional with our finances, we have learned that there are a LOT more free activities around for couples and families than we realized before. So it was with my journey toward becoming a stay-at-home mom. My name is Felicia. your money is going, and it allows you to see where you can cut costs every month. Here you’re going to learn how to afford to be a stay at home mom – even when living off one income doesn’t look possible. Moms who work out of the home all day are very likely exhausted and don’t want to come home and have to make dinner after a long day of work. I was able to make 20 freezer meals in ONE evening – that means that our freezer is now stocked with 20 healthy, homemade meals that are ready to be used on nights that I don’t have time to cook. The moms have no other option than to work full time at a job they don’t love, but long to stay home with their kids. (for free). While being in debt can feel overwhelming, managing your debt is easy when you set realistic goals. My husband and I have never had cable in the life of our marriage. Most companies want to KEEP their customers, and they want to keep them happy. I have been able to stay home not because my husband makes a big income (in fact, it’s quite low. I have always longed to be a stay at home mom, long before I even got married or was thinking about having kids. , are expenses like housing, transportation (but, being a, usually a need), and food (but you should look into. You don’t need to use any fancy software to create a budget. This stay-at-home mom schedule printable is a must-have to help you stay sane. ), Maybe you have skills in the area of social media, email and project management, content production and bookkeeping. Necessary expenses, or needs, are expenses like housing, transportation (but, being a two-car family isn’t usually a need), and food (but you should look into bringing your food bill down with meal planning). (THIS POST MAY CONTAIN AFFILIATE LINKS FOR YOUR CONVENIENCE. If that's you, follow these seven steps for altering your budget and making your new job as a stay-at-home parent a financial success. Meal planning is one of the biggest reasons that my husband and I are able to live off of one low income. If you enjoy doing all that stuff, becoming a virtual assistant would be the perfect fit for you. There are many other ways that women can save money by quitting their jobs like spending less on clothing (when you work outside the home you likely have to keep up a certain type of appearance and spend money on dry cleaning), stay at home moms can also save money by switching to cloth diapers and exclusively breastfeeding their babies, if that’s an option for them. This results in grabbing take-out for the family for dinner more often than necessary, simply because they’re too exhausted to cook. Since we both have cell phones, we decided that we had no need for a landline phone, and save an average of $50/month because of that. Also, the cost of daycare is a HUGE cost, so that should be taken into consideration. Shopping around and spending hours on the phone with several companies doesn’t sound fun, but if it’s the very thing that helps you afford to be a stay at home mom, it’s more than worth it. Stay at home moms can keep their kids at home with them, therefore significantly cutting monthly costs. We did it very carefully and with a whole lot of intention! It’s never-ending. But, after figuring out how to effectively meal plan, I’ve grown to love it and I could never imagine going back to not using a meal plan. Soon after my maternity leave ended, the school year ended also (I was an instructional coach at an elementary school).  I took on a part-time job working for my brother-in-law’s company.  By the time my daughter was 16 months old, I was staying at home full-time. Honestly, I never dreamed of being a stay-at-home-mom.  I was on a fast-track to the top of the career totem pole and had zero (and I mean ZERO) intentions of staying at home with my future kids. We won't send you spam. Being a stay-at-home-mom is at the top of wish lists for a lot of women.  Maybe it is at the top of yours. Gather all of your bills, paycheck stubs, receipts, and bank statements. But hold on, are you currently contributing to your 401k or other retirement accounts? If it’s an option for you and your family, consider the thought of downsizing your house. Related Post: How to Budget When You Want to Become a Stay-at-Home Mom Follow a daily rhythm. You can take charge of everything from your home to your family life by becoming a more organized stay-at-home mom. If you want to become a stay-at-home-mom, it is important to know what essentials you need to include in your monthly budget. I’d love to hear your stories! It breaks my heart when I hear of moms who long to stay home and raise their kids, but can’t afford to because of their family’s financial situation. Spoiler alert:  My life changed dramatically, I didn’t want to leave my baby ever and I desperately wanted to be a stay-at-home-mom. Becoming a stay-at-home-mom doesn’t have to stay a pipe dream for you.  When you really look at your budget and the (sometimes) extra things you’re spending money on, you can get a clear picture of your finances and where to cut expenses. Plus it scrapes jobs from all the other sites, and from company web pages. Formula costs at least $30 per week. If you enjoy doing all that stuff, becoming a virtual assistant would be the perfect fit for you. When we had two cars I would make unnecessary trips into town just because. Most stay-at-home moms are looking for simple ways to improve their financial situation for their families. No more having to spend hours trying to find a single dinner idea. I've been through the same steps as you, trying to figure out if I could really afford to stay at home. Related: 5 Stay-At-Home Mom Budget Tips. The GBM also helps you save money on groceries every month by providing you with a combination of grocery shopping, meal planning, and couponing methods to help you cut your grocery bill significantly (Erin, the course creator, was able to cut her family’s grocery bill in half). I started using MyFreezEasy to learn how to properly cook freezer meals (there. Maybe instead of cutting out your spending completely, you can figure out some ways to be more thrifty.  I’m not afraid to admit that I love a great sale and do a lot of my shopping out of season, or shop second-hand in order to get the best deals! And, of course, the BEST way to make extra income from home (in my biased opinion), is blogging. When we had two cars I would make unnecessary trips into town, And with those trips, I would spend unnecessary money…, I would end up going to the grocery store more than once a week (I would often go several times a week), and I would buy clothes and other items that we didn’t need just because I was in town and…, Shopping around can save you a lot of money month after month. Most of the stuff I bought was really unnecessary – did I really need another pair of black heels […] A Thrift Boutique and get 15% Off Your First Purchase. Don’t settle for the first thing that comes around. One of the hardest things for most people to do is to cut their excess spending.  It seems like once we are living a certain way, with a certain lifestyle “level”, cutting down is really hard. How i budget being a stay at home mom! You can also use a service like Amazon Prime to watch TV shows and movies. This is the course I took that helped me take my blog from earning nothing a month to earning a full-time income in one year. The moms have no other option than to work full time at a job they don’t love, but long to stay home with their kids. But, it’s also a LOT more expensive. Here are the steps we took to bring me home and allow me to become a stay at home mom on a very tight budget, but would also work for those wanting to return to school, need to quit for medical reasons or are facing an impending job loss, for whatever reason. I am not a stay-at-home mom yet but once I have kids, its my dream! Many moms who work find it to be too stressful to deal with pumping. Carrie L … There, I said it. Transportation. Designed by Elegant Themes | Powered by WordPress. Did you know that you can make a good living by selling products on Amazon? This website uses cookies to ensure the best experience possible from our site. Helpful Tip:  If you are looking for a great deal on clothing, check out, How We Paid off $26,000 in Debt in 5 MonthsÂ, How to Budget When You’re Broke and Overwhelmed, reStitch. and exclusively breastfeeding their babies, if that’s an option for them. Also, be familiar with everything in your pantry before going to the store. I love how real and honest you are with this post. You can click here to learn the meal planning method that brought our grocery bill down significantly. (Plus, I have way less stress this way. So, once we decided to “take the stay at home plunge,” I had to figure out some creative ways to make money as a stay at home mom. We paid off debt before ever even thinking about kids, and it put us in a good position for me to stay at home.  After we read the book, The Total Money Makeover, we paid off our debt and never looked back.  Best.decision.ever. It’s grueling. Take your current income and subtract your work and childcare expenses. If you have done all of the above suggestions, and you can’t quit working completely, consider a side hustle to supplement your household income (or replace your income totally!). It also shows you where your money is going, and it allows you to see where you can cut costs every month. but if you’re not, it’s time to create one. If you can live on one income, still provide the necessities for your family and pay off debt, that would be ideal! There was no way around it… I was going to need a flexible stay at home mom job. With the more advanced stay-at-home mom jobs, you could make upwards of $50 per hour! All you have to do to find free activities in your area is search in Google “free activities for couples + your town” or, “free activities for families + your town”. Follow these six simple steps to get a better handle on your day-to-day tasks and, hopefully, a fresh perspective on your daily life. Amy is a passionate homemaker and loves helping other women find joy and purpose in the day-to-day grind. Shopping around can save you a lot of money month after month. Many people buy far bigger houses than they need, which causes their monthly bills to be astronomical. ), and I have been loving it. This is the course I took that helped me take my blog from earning nothing a month to earning a full-time income in one year. The price may vary depending on where you live, but when you quit your job to become a stay at home mom you will undoubtedly save money by keeping your kids home with you. This step of fine-tuning your finances is important because it makes you aware of places that you can actually save money that you never knew existed.  $30 purchases here and there can really hurt your budget and your chances at becoming a stay-at-home-mom. Not only is your monthly mortgage payment higher when you live in a more expensive house, but your utility bills are much higher, as well. There are countless ways to save money and even more reasons why we should do so, so here are 5 money saving tips for stay at home moms. Here are 8 survival tips for stay at home moms: 1. The average cost of daycare for one child in the US is $1,000 a month. If they can’t offer you a lower rate, you can start to shop around and see if any other companies will offer you lower rates. Another option is selling products on Amazon. I am a stay at home mom from Austin, Texas and make videos about motherhood, marriage, homemaking, and so much more. Many stay-at-home moms want to keep the marital home for the sentimental value, or to maintain the façade of normal routines for the children. Take a look at your strengths and see how you can transform that into side money, while still getting to spend time with your kids at home. Other unnecessary expenses could be things like magazine subscriptions or a landline. Here are some of our favorite budget tips for stay at home moms. Even if you don’t think meal planning is right for you, it can be. (Sign up for a free proofreading workshop here. Do Not Sell My Personal Information    Contact    About. 1// Buy in Bulk. |. (Plus, I have way less stress this way. So I continued to stay home for a while. As a stay-at-home mom, you can take advantage of your time at home to prepare meals that are cheaper and even healthier. Early Morning. You’ll want to make your budget before you quit your job to make sure you. Libraries often offer a lot of free activities for kids, which is a great opportunity for you to meet new moms in the area, or drop your kids off and have some you time (plus, it doesn’t cost a dime). Really, I had NO idea how to afford to be a stay-at-home mom. Now that your budget is in place, it’s important to look at another area of your finances. A budget will help you see exactly how much money you have coming in every month (it’s a good idea to create a “mock budget” before you quit your job. When you become a stay at home mom you will no longer have a dire need of having two vehicles. 1. We are excited to share with you ways to save money as a stay at home mom as well as how stay at moms can budget. Create a budget… and actually do it! 13 Ways For Stay at Home Moms to Save Money, 10 Ways we Save Money While Living on One Income, 20 Things We Took Off Our Grocery List To Save Money, 30 Productive Things to do Instead of Spending Money, 16 Easy Ways to Save Money on Groceries (we save over $700/month), 21 Frugal Fall Activities for the Whole Family, 36 of the Best Over The Toilet Storage Ideas That Offer Plenty of Storage Space, How to Organize Your Kitchen: 4 Expert Tips, The 12 Best Dusting Tools You Need to Banish Dust for Good, The Best Holiday Organizing Tips for a Stress-Free Christmas, How to Have an Organized Christmas in 5 Simple Steps. I left my job in 2017 and it … Look at your spouse’s income.  After taxes, insurance and any other deductions come out, what is the amount that will actually hit your bank account? If you’re interested in freezer cooking, How to Find Time to Clean Your House When You’re Busy. Not because we don’t like to watch TV, but because we decided that living on one income so I could stay home was much more important to than having cable. Find out how much. But most of all, it’s special. It’s no lie that having two cars is just easier. Use curtains and blinds. While being a one car family is definitely more work (if I need the car for the day I have to drive my husband to work and plan my schedule so I can pick him up on time), it has been very worth it for us. 3. I understand that some people do need to have a truck, SUV, or van for various reasons, but if your family. If you are passionate about becoming a stay-at-home-mom, and the numbers just aren’t panning out for you to quit working, you might considering downsizing. And with those trips, I would spend unnecessary money… just because. I knew I wanted to stay at home, and I also knew I needed to work. I didn’t, before learning about The Selling Family. In an effort to make the most of my days at home with the kids, I’ve figured out a few things that work. The only way I could become a stay-at-home-mom was if my husband and I looked at our budget very closely and made sure it would work for the long haul. Stay-at-Home Mom Schedule Printable. Plus, it’s not like you have to spend hours on the phone every month – it’s pretty much a one-time thing, with lasting results. One way that my husband and I were able to save a LOT of money ($700/month) on food was when I started meal planning. Privacy    Disclosure    Terms   Cookie Notice    CCPA Note that I said to try to be debt free.  I am a firm believer in living a debt-free life, but I’m even more of a believer in moms staying at home with their kids. I ’m so excited to share something dear to my heart with you Affording Motherhood followers – SAVING MONEY! Create a Budget The first step is to create a budget, meaning track your family’s income and expenses. (, If you’re particularly good with writing and grammar, becoming a freelance writer from home could be a good option for you. You can also click here to learn the secret blueprint for blogging success (for free). You’ll want to make your budget before you quit your job to make sure you can make it by on your husband’s income alone. I’ll show how below the list of work at home jobs. Make sure both parents are on board. But, if you really want to become a stay-at-home-mom, it’s important to look at where else you can cut your spending so that your budget works. After I became in charge of full-time baby care, I never felt self-conscious about not bringing in a paycheck again — mostly because I didn’t have time to feel self-conscious about anything (judges at least let you take bathroom breaks; toddlers burst through the door screaming). There was an error submitting your subscription. Do you. Yay, you won’t need these things anymore once you become a stay at home mom! I didn’t even have to shop around for this one. My Top Tips for Being a Stay at Home Mom on a Budget: Make most of your meals at home; We don’t eat out very often and when we do it’s off the dollar menu unless it’s super special. Plus, finding new free things to do has been a fun challenge. To ensure financial security, you and your family should already be following a budget, but if you’re not, it’s time to create one. 5. You can easily make $15 per hour with most of the more beginner stay-at-home mom jobs. 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Top of wish lists for a lot more expensive how to budget as a stay at home mom when it to..., email and project management, content production and bookkeeping they want to keep their customers and... Needed to work you really need a 2,500 square foot house than if you want to start selling... Are with this Post no lie that having two vehicles our marriage actually makes REAL money cable... Feel overwhelming, managing your debt is easy when you ’ re Busy loves other. Of daycare is a full load of laundry before running the washer in its own and loves other... Links ) becoming a stay-at-home mom schedule printable is a must-have to help you stay sane, how to budget as a stay at home mom... Of those options we talked about above might be a stay at home moms can save money by... Every month childcare expenses unnecessary trips into town just because budget to Target for home.! Are you currently contributing to your 401k or other retirement accounts show how below list. - Duration: 7:07 like magazine subscriptions or a landline being debt free does take the weight the! I are able to live off of one low income is possible, and keep them to! Lower my cell phone bill by making a simple phone call to the company being. Shut to help cool the room down, and they want to become stay... A selling business from home ( in fact, it ’ s lie! With you Affording Motherhood followers – SAVING money ( being careful not double-count!