How To Save Money As A Stay At Home Mom

by | Jun 16, 2017 | 0 comments

Let’s be honest. In general, living can be very expensive. And when you have a family of your own, those expenses increase and can stress you out. Not all of us can afford to live a life of luxury. That’s why we need to learn how to save money as a stay at home mom.

We need to set ground rules for ourselves and stick to them as best we can in order to survive.

By no means would I consider myself and my family “poor”. But we aren’t exactly financially comfortable either. Rarely are we able to spontaneously go on day trips, vacations or events without checking our bank account first.

And unfortunately, this is the reality for so many other middle class families as well.

I could go on all day about financial hardships. But instead of doing that, I’m going to let you in on my secrets to save money as a stay at home mom. If you’re in the same boat as I am in, you’ll find these tips helpful!

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Here are my easy steps to save money as a stay at home mom.

Set a budget and FOLLOW it.

If you aren’t the type to organize everything (from your closet to your calendar), writing and setting a budget for your family may seem insane. However, coming from a mom who may be the most unorganized human being on the planet, I can assure you that setting a budget is feasible. Even if you have to work a little harder to stick with it, it will be worth it. Especially if it means you can save money as a stay at home mom.

If you aren’t sure where to begin, you can find a ton of free budget sheet printables on Pinterest. I love using printables because it helps me make sure I’m not forgetting any important expenses. It also forces me to write down specific information and numbers. Thus helping me remember my budget plan more easily.


Make some extra money on the side (online or through a hobby).

This is completely optional, but can certainly make you feel good knowing you are bringing in your own source of income. I work from home as a freelance writer. But there are so many other options out there for you to bring in a little extra money now and then.

You can choose jobs such as taking online surveys to score a few gift cards or opt to do freelance work in a field you are proficient at. The extra couple bucks each month you’ll make not only feels good, but helps finances tremendously. This is an easy way to save money as a stay at home mom.

A popular way to bring in supplemental income is through direct sales. You’re a parent so you’ve probably seen a million consultants for different companies, like Plexus or Usborne. These direct sales opportunities can make a positive impact on your finances. But it’s important to make sure the company you choose to sell for is transparent with their business and trustworthy to their customers.

Direct sales may not be your forte and that’s all right too. With just a little bit of research, you will surely find a work-from-home opportunity perfect for you.


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Find free activities to do with the kids.

As a stay at home mom, I spend a pretty hefty amount of time scouring the internet to find free activities to do with my daughter. It may not be easy at first. But once you become a seasoned professional, it will take less time to find fun activities and events to attend.

A great place to start is your local library. Chances are they have programs that cater to different interests and age groups. For example, the library in my area holds different story times catered towards babies, toddlers and children to best suit each child’s interest and skill level.

If you aren’t sure where else to look to find events, I like to peruse the events tab of Facebook to see what’s going on around me. If your city or town has any local mom bloggers, checking out their sites will usually give you a couple leads as well.

All it takes is a little bit of research and you and your little one will be on your way to fun activities that won’t break your bank account! Free events and activities are the best way to save money as a stay at home mom while still having fun!


Get into coupon-ing.

I’m not saying you have to reach Extreme Couponer status  LOL  But digging into those Sunday ads, finding great deals on groceries and necessities, will help you save a few extra bucks each month.

I’m still working on getting better with this one. I tend to look through the ads of my Sunday paper, save the ones I like and then forget about them. And then it’s too late because the coupons expired or the deal ended.

My biggest issue with coupon-ing is that it really intimidates me. I feel like if you don’t approach it a certain way, you will become easily overwhelmed. It can be a bit much. However, there are things that can help make it less of a pain in the butt.

In my area, we have coupon-ing classes offered at various businesses. So chances are you’ll be able to find something similar in your area too! This seems to be the popular way to save money as a stay at home mom. If they can do it, why can’t we?!


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Learn how to sew and make your kid’s clothes.

This tip is totally optional, but definitely comes in handy! I was a little skeptical about this at first because anybody who has ever met me knows that unless it involves writing of any kind, I’m not very artistically inclined. However, with a gentle push from other mom friends, I’ve come to learn that it isn’t all that hard to do.

There are so many pre-made patterns available online you can use, as well as in various fabric/craft stores. You actually don’t need to worry about heading to the store for patterns because you can find plenty of free patterns and ideas online. In my opinion, one of the best is on a little beauty of a site called Pinterest.

I swear, Pinterest is like a one-stop shop for all of your parenting and general life’s needs. I may have a slight addiction, but hey at least I admit to my problems right?! 😉

save money as a stay at home mom library activity female teacher with smiling children reading books in library sitting in a circle on the floor

Money seems to be the root to pretty much every family’s problems.

It doesn’t have to be a burden, though. As long as you stay financially smart and make frugal decisions, you won’t have much to worry about.

What are some other ways you save money as a stay at home mom? Do you use any of the tips in this article?

We want to know!

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