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Last Updated on December 10, 2020 by NandiNN

Saving Money as A Stay at Home Mom

Money saving tips for stay at home moms.

Is this even possible? 

Being a mom is not easy work, and being a working mother takes double the effort.

As you have kids and they start to grow, you begin to have larger expenses, things you need to buy multiple,  and on top of that, you have to think about saving up, be that for your kid’s college or something you want to buy.

You are here today because you really want to know how to afford to be a stay at home mom. Or maybe you are a frugal stay at home mom! Reading too many frugal living blogs?

Either way, you want some money saving tips for stay at home moms that are actually actionable! 

Budgeting to be a stay at home mom, how to do it effectively!

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Budgeting as a Stay at Home Mom

Saving up is all about planning and budgeting.

You will need all the budget planning tips if you are thinking of saving money as a stay at home mom. 

If you make it a habit to write down the things you need and the things you buy, chances are that you’ll be able to control your money and where it goes better.

You will notice that people who are disciplined and have a passion for budgeting are always the ones that stand the best financially.

With these tips, you will learn how to afford to be a stay at home mom. 

How to Afford to be a Stay at Home Mom

Staying on a budget as a stay at home does not have to be difficult. 

You just need to be aware that you now only have one income to rely on and that making adjustments is necessary to your survival. Living on a tight budget until you get more income is not a bad thing.

Children can become expensive!

For example, I am at a stage where I had to buy a lot of winter gear for her even though I got extra sizes last year.

They grow up fast and tend to outgrow clothing very fast. By budgeting and keeping little things like this in mind, will help you save money as a stay at home mom. 

Stay at Home Mom Budget

A budget is something you must have to manage your finances and it doesn’t have to be fancy. You should just state your monthly income and your spending.

Making a Budget is the first step toward saving money.

The spending can be divided into categories for it to be successful, your income must be larger than the money you spend.

In the end, just do the math and find ways to save a little more and where you can splurge. I also highly recommend using any of these free monthly budget printables

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. 

As a mom, I am constantly looking for ways to save money. We are sharing a list of money saving tips for stay at home moms to use. These life hacks are perfect for those looking for money saving tips for moms. Learn how to budget for you and you family so you can have extra cash each month. #moneysavingtips #savemoney

Tips for Stay at Home Mom on a Budget

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. 

1. Buy in Bulk

Buying in bulk could save you so much money.

Yes, it is an initial expense, but it is one you won’t have to do for a long time. Do this with products that have a long lifespan.

From diapers, laundry detergents, toilet paper, to anything that doesn’t go bad, it is always a good thing to buy in bulk.

That way you save yourself some trips to the supermarket and a few bucks. If you can find more ways to save, use it at all cost!

It’s all about finding frugal living tips for stay at home parents that work! 


12 Insane Ways to Save Money On a Tight Budget

How to Make Money While On Maternity Leave

2. Eat out for less

The second money saving tips for stay at home moms that should be a priority is food!

Eating out is probably one of the biggest expenses on someone’s budget. If you’re a working mother, you’ll notice that eating outside the house will cost you more than if you packed your lunch with you.

This, of course, can be avoided if you work remotely.

Packing your lunch is not only saving you money but also your time and health. Meal prepping is something many people practice.

3. Wash only full loads of laundry

This one is simple and clear. By only washing full loads of laundry, you save yourself the cost of using twice the electricity, the water, and detergent.

Just divide your dirty clothes into piles and when you see that one of them is big enough, then run your laundry.

4. Change light bulbs

A piece of good advice for not only mothers but everyone who is trying to cut back on their electricity bill is to change their light bulbs.

By changing to more Eco-friendly light bulbs you automatically save us a few bucks that you could save.

5. Skip the bought coffee

The average person spends over $1000 on store-bought coffee. It is inconvenient and very expensive to buy your coffee. So a thing you can do is buy a coffee machine or brew your coffee at home.

It’s way cheaper and if you ask me tastier. In fact, if you are a coffee lover, find out how you can get free Starbucks coffee!

Additional Tips For Saving Money as A Stay at Home Mom:

  • Buy used items at thrift stores or consignment stores
  • Use the library or toy lending libraries for toys
  • Find free things to do in your city (Pinterest has plenty of ideas) 
  • Use cash when possible (This stops you from overspending if you do not have other ways to pay)
  • Use the dollar store when you can
  • Shop sales for holiday items. In fact, try to buy it after the holidays

If you want to increase your income, this list of over 25 work at home jobs for moms is just perfect! 

Other tips for saving money as a stay at home mom:

How to build an emergency family binder

Eating your money away? How to save money on food

Guest Post Author:

Ujëbardha Bekolli, Mother Works

Ujëbardha Bekolli is a writer for MotherWorks is a job portal designed to bring together stay at home moms and recruiters. The platform also brings helpful articles in the Blog section regarding mothers who want to return to the workforce.

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Money Saving Tips for Stay at Home Moms