Eat Breakfast. Based on your new budget, you could find that keeping the marital home is not realistic. 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! I’m going to tell you a big fat secret about being a stay-at-home mom: Schedules are totally overrated. No more having to spend hours trying to find a single dinner idea. 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. When I first considered becoming a stay-at-home mom three years ago, I knew adjusting to one income would be a challenge. Simply by planning out our meals in advance and only going to the grocery store ONCE a week, we were able to save over $700 a month, which is pretty significant. Plug your stay at home moms job ideas into Google. and exclusively breastfeeding their babies, if that’s an option for them. She's a nurse, chauffeur, chef, teacher, playmate, housekeeper, laundry attendant, accountant, and babysitter all rolled into one. I was able to lower my cell phone bill by making a simple phone call to the company. (Try Amazon Prime FREE here.). 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. 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. (Plus, I have way less stress this way. (Disclaimer: this post contains affiliate links) Becoming a Stay at Home Mom. In fact, meal planning saves us $700/month on groceries alone (and we’ve lowered our eating out costs by strictly following our budget). I left my job in 2017 and it … 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). If a stay-at-home mom or dad took their skills to the marketplace, they could make much more than the average American. |. When you consider working from home, make sure that you consider what it was actually costing you to work outside of the home.  For example, you won’t have to pay for fuel to get to and from work and you definitely won’t need to purchase a work place wardrobe. 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. It’s never-ending. 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). If it’s an option for you and your family, consider the thought of downsizing your house. Also, be familiar with everything in your pantry before going to the store. What Stay-at-Home Moms Do All Day . You can also click here to learn the secret blueprint for blogging success (for free). Add up all other monthly debt payments -- student loans, home-equity loans, personal loans, credit cards, etc. This is the amount you will be working with as a one income family. If it’s an option for you and your family, consider the thought of downsizing your house. 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. we paid off our debt and never looked back.  Best.decision.ever. Really, I had NO idea how to afford to be a stay-at-home mom. (Sign up for a free proofreading workshop here. 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. 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. Apr 5, 2018 | HOME, HOUSEHOLD FINANCES | 2 comments. But, this bill isn’t going to magically drop in its own. Staying at home with your kids is well-worth the time and effort it takes to get your finances in order.  When you’re playing with Legos on the floor in the middle of the day, you will be so glad you did! I figured I’d keep working my day job, dropping the kids off at daycare in the morning and picking them up at night. 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. Because I was able to stay home, I breastfed both my son and daughter for over a full year for free. 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. There was no way around it… I was going to need a flexible stay at home mom job. it at first. There, I said it. Now that your budget is in place, it’s important to look at another area of your finances. 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. I have been able to stay home not because my husband makes a big income (in fact, it’s quite low. 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. Also, the cost of daycare is a HUGE cost, so that should be taken into consideration. Resist the urge to enroll in expensive classes and consider going to the park or hosting a play date instead. Those are just the top three ways that stay at home moms can save money simply by quitting their job. I understand that some people do need to have a truck, SUV, or van for various reasons, but if your family. Don’t settle for the first thing that comes around. Since we can’t afford to pay for many activities, we’ve been extremely thankful for the number of free activities there are around. your money is going, and it allows you to see where you can cut costs every month. 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 am a stay at home mom from Austin, Texas and make videos about motherhood, marriage, homemaking, and so much more. 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. Do Not Sell My Personal Information    Contact    About. 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. 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. One would think that since you are home all day that it would be easy to get everything done, but the truth is, the work never ends and the constant juggle of chores can really baffle even the most organized person unless she … I didn’t, before learning about The Selling Family. 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! Following a budget is extremely important, especially when you’re living on one low income. 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”. 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. Living as a single income family on one low income is possible, and I want to show you how we do it. Hello! Being a stay-at-home-mom is at the top of wish lists for a lot of women. Being a stay at home mom on a LOW income IS possible), but because we have decided that me being a stay at home wife and mom was more important to us than living an expensive, luxurious life. Yay, you won’t need these things anymore once you become a stay at home mom! I’d love to hear your stories! This website uses cookies to ensure the best experience possible from our site. but if you’re not, it’s time to create one. Google for Jobs is the best search site to find jobs for stay-at-home-moms. Make a plan the night before. Success! 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. Pumping is really stressful, no judgment here. 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). COMMENTdocument.getElementById("comment").setAttribute( "id", "a43872f9a0b44a5feccef8f64390652e" );document.getElementById("i2105bac76").setAttribute( "id", "comment" ); A recovering perfectionist learning how to create a beautiful home that isn’t perfect (and also how to not panic when that same load of laundry has been sitting on the couch for a week because… life). Code: THRIFT15, How We Downsized Twice in one Year and Survived! Â. Shopping around and spending hours on the phone with several companies doesn’t sound. Here are a couple more resources I recommend that have helped us afford to be a single income family on a low income: Do you feel ready to take on the challenge of affording to be a stay at home mom – even on a tight budget and a low income? And, of course, the BEST way to make extra income from home (in my biased opinion), is blogging. I knew I wanted to stay at home, and I also knew I needed to work. It’s no lie that having two cars is just easier. Amy is a passionate homemaker and loves helping other women find joy and purpose in the day-to-day grind. 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. In an effort to make the most of my days at home with the kids, I’ve figured out a few things that work. If you’re looking at the budget you have created and you see that you have more money going out each month than you have coming in, you will want to look at your monthly expenses and find places that you can cut costs and get rid of bills altogether. How to afford to be a stay at home mom (even on a low income). 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. But, it’s also a LOT more expensive. You can easily make $15 per hour with most of the more beginner stay-at-home mom jobs. Meal planning allows you to always know what’s for dinner (so you aren’t tempted to stop in at your favorite take-out place), and it will help you save money on groceries by only buying WHAT YOU NEED, and only going shopping once a week (at most). If you have a knack for reading, becoming a proofreader could be a good way to earn some extra income from home, while being a stay at home mom. (This is the meal planning method we use to continually save $700 a month on groceries.). 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. Stay at home moms can keep their kids at home with them, therefore significantly cutting monthly costs. This results in grabbing take-out for the family for dinner more often than necessary, simply because they’re too exhausted to cook. Most of the time one entree would cost somewhere around $15-$20 for one person. When you become a stay at home mom you will no longer have a dire need of having two vehicles. 5 Stay-At-Home Mom Budget Tips. Your email address will not be published. But most of all, it’s special. I’ll show how below the list of work at home jobs. You’ll want to make your budget before you quit your job to make sure you. Ten days after I graduated with my Masters degree, I had my first baby. 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. How to become a stay at home mom on a tight budget. We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. Wait until there is a full load of laundry before running the washer. Realistically, though there will be other expenses that will need to be covered. Financially though, it can be a stretch to live on only one income.  How do you budget your money when you want to become a stay-at-home-mom?  It’s totally possible! As I’ve mentioned before, I really believe in moms staying at home with their kids if at all possible.  I believe in it so much that I would be willing to sell my brand new, dream house, to continue to stay at home with my kids.  I’m dead serious. 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. A stay-at-home mom works many jobs throughout the day. 1. To ensure financial security, you and your family should already. If you enjoy doing all that stuff, becoming a virtual assistant would be the perfect fit for you. You can take charge of everything from your home to your family life by becoming a more organized stay-at-home mom. Moms who dread dropping their kids off at daycare every day but have to because they don’t see any possible way to make it by on one income. When I was working outside the home my husband and I ate out WAY more than we should have.). Here are 8 survival tips for stay at home moms: 1. 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. Keep them shut to help cool the room down, and keep them open to allow the sun to warm it up. 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. 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. 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. Don't let things expire, and plan meals around food items you already have. 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. Add any … You don’t need to use any fancy software to create a budget. I didn’t even have to shop around for this one. , but if it’s the very thing that helps you afford to be a stay at home mom, it’s more than worth it. 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. Use curtains and blinds. Stay at home moms can save money by cooking wholesome, homemade dinners every night for their family to enjoy. Get dressed. 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. 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. If your family is small enough to fit into a car and you don’t need a truck to haul anything, downsizing from a truck, SUV, or van to a car will save you a lot of money in fuel costs each month. The average cost of daycare for one child in the US is $1,000 a month. 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. (Plus, I have way less stress this way. Create a Budget The first step is to create a budget, meaning track your family’s income and expenses. We won't send you spam. I know that there are some moms who need a … (being careful not to double-count anything else on this list) and enter here. Unfortunately, this choice may not always be practical. Another option is selling products on Amazon. If you want to start a selling business from home, click here to sign up for a free course to help you get started. 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… why not? 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. But, we do still get to watch movies, and we make this affordable by sharing a Netflix account with a couple family members and splitting the cost. But hold on, are you currently contributing to your 401k or other retirement accounts? (. 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. 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. (. 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. 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. 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. need a 2,500 square foot house, or could your family live comfortably in a 1,100 square foot house? I didn’t, before learning about The Selling Family. If you are determined to live off of one income, but the main reason why you can’t is because of your housing costs, downsizing your house is a very viable option. These are things that you need to “just get by” with.  If you can cover those items with one income, then you are on the right track to being able to financially swing being a stay-at-home-mom. My husband and I don’t have any subscriptions (except Netflix), and we don’t have a landline phone. Grab your printable budgeting worksheets here! ), and I have been loving it. ), If you’re particularly good with writing and grammar, becoming a freelance writer from home could be a good option for you. (Because you wouldn’t want to trust the word of someone who doesn’t have actual experience with a company and is just throwing a bunch of referral links into a blog post in hopes of earning a commission – it happens! 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. This job is no joke. (And a legit one that actually makes REAL money. By shopping around for better rates you could save yourself a couple hundred dollars a month. Even if you don’t think meal planning is right for you. When I started out, I knew my goal was to … 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. 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). 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. Meal planning is one of the biggest reasons that my husband and I are able to live off of one low income. (Click here to learn more about freelance writing. Make sure both parents are on board. 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. 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. There was an error submitting your subscription. 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