When I first considered becoming a stay-at-home mom three years ago, I knew adjusting to one income would be a challenge. 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!). Also, be familiar with everything in your pantry before going to the store. 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). If you want to start a selling business from home. Find out how much. Another option is selling products on Amazon. 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. 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. As a stay-at-home mom, you will probably be tempted to spend more on entertainment than if you were working full-time. 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. 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? (, If you’re particularly good with writing and grammar, becoming a freelance writer from home could be a good option for you. need one, selling that vehicle and getting a car will help you be able to afford to be a stay at home mom by cutting costs. 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. 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, 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. I knew I wanted to stay at home, and I also knew I needed to work. 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. 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. We talked about becoming a one-car family, but what about when it comes to that one car that you DO have. Do you want less dinnertime stress?). I was a shopaholic who visited the mall and/or Target at least once a week. I am a stay at home mom from Austin, Texas and make videos about motherhood, marriage, homemaking, and so much more. 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. It’s never-ending. (Click here to learn more about freelance writing. Amy is a passionate homemaker and loves helping other women find joy and purpose in the day-to-day grind. Other unnecessary expenses could be things like magazine subscriptions or a landline. To ensure financial security, you and your family should already. 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. No more having to spend hours trying to find a single dinner idea. Realistically, though there will be other expenses that will need to be covered. Don't let things expire, and plan meals around food items you already have. Make a plan the night before. You can click here to learn the meal planning method that brought our grocery bill down significantly. We won't send you spam. 10 Ways we Save Money While Living on One Income. If you enjoy doing all that stuff, becoming a virtual assistant would be the perfect fit for you. Becoming a one car family didn’t only save us money on the vehicle end of things (fuel, maintenance, and insurance) but it also saved us money by cutting down on the amount of time I spent in town. Plug your stay at home moms job ideas into Google. The surprising thing about shopping around is that you can often get a significantly lower rate than you’re getting now, just by making a couple phone calls. If you want to start a selling business from home, click here to sign up for a free course to help you get started.  | 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. So I continued to stay home for a while. 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. Before we look at how to afford to be a stay at home mom, let’s take a quick look at a couple ways stay at home moms SAVE money, simply by staying home. When you become a stay at home mom you will no longer have a dire need of having two vehicles. 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. When I started out, I knew my goal was to … 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. Designed by Elegant Themes | Powered by WordPress. ), If you’re particularly good with writing and grammar, becoming a freelance writer from home could be a good option for you. Gather all of your bills, paycheck stubs, receipts, and bank statements. Make the most with what you have without spending tons of money. Did you know that you can make a good living by selling products on Amazon? 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. Ten days after I graduated with my Masters degree, I had my first baby. 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). Stay-at-Home Mom Schedule Printable. (Plus, I have way less stress this way. You can take charge of everything from your home to your family life by becoming a more organized stay-at-home mom. 1. , but if it’s the very thing that helps you afford to be a stay at home mom, it’s more than worth it. When I started meal planning, I hated it at first. we paid off our debt and never looked back.  Best.decision.ever. 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. You can also click here to learn the secret blueprint for blogging success (for free). Being debt free does take the weight of the world off of your shoulders, though. The biggest monthly expense most families have is housing costs. Most of the stuff I bought was really unnecessary – did I really need another pair of black heels […] 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. (Disclaimer: this post contains affiliate links) Becoming a Stay at Home Mom. With your essential and non-essential items, you can now see what your actual budget each month would be. 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. (I don’t blame them! 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. That’s what the average family pays to have one child in daycare. (Which will help you afford to be a stay at home mom!). It’s lonely. (Try Amazon Prime FREE here.). Grab your printable budgeting worksheets here! I know that there are some moms who need a … Really, I had NO idea how to afford to be a stay-at-home mom. I figured I’d keep working my day job, dropping the kids off at daycare in the morning and picking them up at night. (. Those are just the top three ways that stay at home moms can save money simply by quitting their job. Click here to get on the waitlist. 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. I’d love to hear your stories! Like, it didn’t even seem possible or within the realm of reason. 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. 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. but if you’re not, it’s time to create one. 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. ), and I have been loving it. You don’t need to use any fancy software to create a budget. Stay at home moms can keep their kids at home with them, therefore significantly cutting monthly costs. This will save you money on car payments, fuel, and vehicle maintenance. Turn lights off when no one is in the room. Please try again. 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. 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. Here are 8 survival tips for stay at home moms: 1. 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. (THIS POST MAY CONTAIN AFFILIATE LINKS FOR YOUR CONVENIENCE. Do Not Sell My Personal Information    Contact    About. You can also use a service like Amazon Prime to watch TV shows and movies. 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. Don’t settle for the first thing that comes around. 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. ). 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. (, Maybe you have skills in the area of social media, email and project management, content production and bookkeeping. 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! How to afford to be a stay at home mom (even on a low income). Shopping around can save you a lot of money month after month. You can easily make $15 per hour with most of the more beginner stay-at-home mom jobs. 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? 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. 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. As a stay-at-home mom, you can take advantage of your time at home to prepare meals that are cheaper and even healthier. I love how real and honest you are with this post. 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 didn’t, before learning about The Selling Family. Do you. How To Create the Perfect Schedule | For Homemakers, Stay at Home Moms and Career Ladies alike - Duration: 7:07. 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. Shop around. I've been through the same steps as you, trying to figure out if I could really afford to stay at home. 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. Now check your email to confirm your subscription. 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. Privacy    Disclosure    Terms   Cookie Notice    CCPA Shopping around and spending hours on the phone with several companies doesn’t sound. Plus it scrapes jobs from all the other sites, and from company web pages. Unsubscribe at any time. Stay at home moms have a hard job. How to Live Frugally in 17 Steps 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. Many moms who work find it to be too stressful to deal with pumping. And with those trips, I would spend unnecessary money… just because. She's a nurse, chauffeur, chef, teacher, playmate, housekeeper, laundry attendant, accountant, and babysitter all rolled into one. (. Related: If you’re interested in freezer cooking, How to Find Time to Clean Your House When You’re Busy. Most stay-at-home moms are looking for simple ways to improve their financial situation for their families. The SAHM Budget Test: How to Afford to Be a Stay-at-Home Mom. 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. Resist the urge to enroll in expensive classes and consider going to the park or hosting a play date instead. 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. 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. 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! When I was working outside the home my husband and I ate out WAY more than we should have.). and exclusively breastfeeding their babies, if that’s an option for them. Do you really need a 2,500 square foot house, or could your family live comfortably in a 1,100 square foot house? More advanced stay-at-home mom jobs, you can make a good living by selling products on Amazon!... Amount you will probably be tempted to spend hours trying to find a single income on! Take advantage of your bills, paycheck stubs, receipts, and they want to become a stay at,! 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