And thanks so much for featuring my post in here! I prefer to think of it is “ordering my priorities,” but the truth is, there are probably several things you won’t be able to have, and that’s okay! Learn how to afford to be a stay at home mom and live well on just one income! Paper towels (we use cloth dishtowels instead), Sodas and sugary kids’ drinks (invest in a. Even with the side income, we’ve made (and are still making!) But not only that, I’ve saved a ton of money with free two-day shipping. We have a very small mortgage to build a very small house on family property, we drive 10 year old cars, and all of our clothing is from thrift stores. https://t.vipkid.com.cn/?refereeId=14402566&refersourceid=a01, Wait for the Lord; Be strong and let your heart take courage. I’ll be the first to tell you it was not easy to make it happen but – we did. Plus, I have lots of other blogging resources to help you get going! And you can snag a free printable budget worksheet in the Busy Mom Vault! We also use third-party cookies that help us analyze and understand how you use this website. ~Psalms 27:14. He created the heavens and the Earth in 7 days, surely he has this all under control. Not only did cable suck up a big hole in our budget but honestly, there never seemed to be anything worth watching anyhow. Staying Home With Your Kids When You Can Barely Afford It, How I Quit My Job and Doubled My Income With This Blog, Convergys is Hiring Work-From-Home Employees with Full Benefits, https://t.vipkid.com.cn/?refereeId=14402566&refersourceid=a01. If you’re not using Prime to stream or save on shipping yet, head here to sign up for a 30-day free trial! Hopefully they will inspire you to find the solutions that are just right for your family. HE knows the desires of our heart. I had no clue that I would want to be a stay at home mom. If you don’t have a budget yet, here’s a step by step tutorial that explains how to make one. Does staying home with your kids mean some of your household expenses might go up? Being a SAHM has been one of the hardest but most rewarding jobs ever! Over the years I’ve bought kids’ clothes, toys, home decor items, furniture — you name it — from thrift stores, consignment stores, flea markets, etc. I’ve been blessed to be a stay-at-home mom for 20 years, enjoying freelance editing from home while homeschooling my four daughters. This is awesome! Growing your own vegetables at home is easier than you might think. The SAHM Budget Test: How to Afford to Be a Stay-at-Home Mom. Being a stay-at-home mom has always been a huge goal for me when my husband and I decide to have kids (hopefully soon!) Check out this list of crazy fun stay at home date night ideas from Lucy at Cheers to Life! You might need to bring in a few hundred dollars or a few thousand, depending on your household income and expenses. And you know what? Yes, wait for the LORD. If you’re not sure how to make money as a stay at home mom, think about your skills and interests. What are you good at? Tips to Afford to Become a Stay at Home Mum Part 1/4: You may be contemplating how you could possibly walk away from your career, steady income, and employment entitlements, in order to become a stay at home mum (SAHM). Love these tips! This category only includes cookies that ensures basic functionalities and security features of the website. Then, you can use your savings to help you stay home as long as possible. Thank you, this is such a great read. I can still remember the day I went to pick her up after working 12 hours and my own child wouldn’t come to me. Earn Extra Income on the Side. That’s when I started to wonder “can we afford my being a stay at home mom?” During the months that followed we paid the bills, cut all extras, and saved as much we possibly could. It may not always be easy but it’s well worth it if you want to be home with your kids every day. It won’t necessarily be an easy adjustment. Money was still very tight so I am now a independent consultant for Jamberry nail wraps and I love it. Being a stay-at-home mom gets a bad rap. These little, simple steps can … And it can help you maximize savings when planning out your grocery shopping trips. And of course, don’t forget to pin and share this post! Thanks for watching! I just started using Instacart regularly and it’s such a game changer! Some of the things you may be able to reduce or eliminate from your budget include: Getting rid of debt is something else to work on if you’re trying to afford to be a stay at home mom. I know it won’t be easy, but it will be worth it for my soul! It can save you money since you can stick to only buying what’s on your list. We may earn money or products from the companies mentioned in this post. So if you want to save money, you can plan some stay at home date nights instead. Get a handle on your credit. I also hope to be able to keep strong friendships. So why not use Rakuten to shop and earn cashback? This allows me to work during my children’s nap times and after they’ve gone to bed, so I can be here for every waking minute of their childhood (which is both a blessing and a curse!). Build meals around what’s on sale for that week, Plan meatless meals for one or two nights a week, You don’t have to go in the store (Which means no more pushing around a cart with a broken wheel or being exposed to germs — yay!). This website uses cookies to improve your experience. Remember, if you are passionate about becoming a stay at home mom, you can do it. It’s so sad to read posts like this, hoping they have a brilliant gem of information hidden inside… then I realize this only works for what feels like the chosen few. I’ve been a stay at home mom, work at home mom for almost a decade now. Here are a few ways staying home with your kids can pay off financially: Those are just some of the financial benefits I can think of off the top of my head. Get helpful mom hacks delivered straight to your inbox! And with one awesome husband and two very rambunctious little boys, she’s always got a lot to say! For example, instead of throwing away money on toys you can start a toy rotation instead. I love this, and I truly want to be a stay-at-home-mom for my 3 month old, but how does one become a freelance writer/blogger? My mother-in-law watched her for me while I worked 8, 10 and sometimes 12-hour days. This is a great list! You can get a complete family meal plan for $5 a month, which makes the super frugal mom in me happy. I’ve been asked a few times what changes we are making as a family to afford my taking a step away from the workforce to be home more. What’s something you’d enjoy doing to make money? 1. I homeschool our kids in evenings and on weekends. Stuff can be fun to buy but all it does is clutter up your home and drain your wallet. These questions helped us stay focused on what … After doing some research I decided to start selling beachbody products which has been a blessing! Here’s exactly what I do to save money on grocery shopping as one income family: Those tactics help me save money. But before that, I worked a full-time job in sales. After all, we will soon be living off of less than half of our annual income. Which meant I had to figure out how to afford to be a stay at home mom and make it work. He is my first priority now. It is mandatory to procure user consent prior to running these cookies on your website. Sure. It’s an easy way to get rid of things you don’t need and make some easy money at the same time. This alone can save you anywhere from $300-$1,200 a year (depending how much you already eat out). I am able to help with some money while still caring for my son (and have awesome nails:) God has really provided for us after we put our trust in him! Organize and simplify your financial life. You’ve decided you want to be a stay at home mom (or dad) and have probably mentioned it before but make sure that the family is on board. Also, think about how much money you need to bring in to make your budget work. But in the long run, staying home could still be a better use of your time and money if the payoff is being there for your kids. This ultimately will help you figure out how to afford being a stay at home mom in the long run. Love all of these ideas and even though I’m not a stay at home mom, many of these are ones I will still implement and follow, if I’m not already. [ Read: Tips For Raising Kids Right] Be good with money management: When you are working you tend to spend more. Learn how your comment data is processed. Having a list of go-to meals you can make takes the stress out of dinnertime. I am so glad that I am not alone in feeling this way. The small delivery fee is nothing in comparison to the impulse buys and extra items I would toss in the cart while browsing. I will start working on the others! In these scenarios, you’re not necessarily looking for a full-time income. While there is certainly nothing wrong with working outside of the home, for many women, being able to afford to be a stay-at-home mom would be a dream come true. I was not going back to work and letting other people raise my babies anymore. I use Walmart Grocery pickup when I have time to go out and Instacart when I’d rather have my groceries delivered. Hope you can help. Obviously, it means you get to be hands-on in taking care of your kids. Your email address will not be published. Kirby x Sent from my SM-G925F using Netmums mobile app You might be surprised to learn that this depends less on how much money your family brings in, and more on your preparedness. Buying in bulk can save you money if it means getting a lower unit price. If you need some inspiration for low-cost ways to have fun as a family, check out these posts: Ultimate Summer Bucket List for Kids: 100+ Ways to Beat the Heat, 101 Frugal and Fun Things to Do With Kids at Home, 25 Fun Ideas for Keeping Kids Busy So You Can Get Things Done. Teacher turned work-at-home mom, Brittany loves using her words to help people improve their faith, marriage and parenting. I’ve been raising two kids on one income as a single parent for years now and I can tell you that it takes effort to make it work. Like don’t let your parents tell you it’s no big deal to take on 60k in student loans. If you’ve been a stay-at-home mom for a long time, there is the chance that you have not been actively using your name and information to apply for credit. This can be a totally flexible job and fit into any stay-at-home mom or stay-at-home wife schedule. Start with your monthly expenses. Can you really afford being a stay at home mom. Thanks for these tips, Rebecca. How sweet is that? This entry was posted in Frugality and tagged frugality, how i afford being a stay at home mom, how to afford being a stay at home parent even on a low income, how to afford staying home with your kids, stay at home mom, stay at home parent on February 5, 2016 by Abi. Virtual … The most important step that you listed is planning! How to Afford Being a Stay-at-Home Mom. To get more info on how you can do this, message me through http://www.beachbodycoach.com/mjacobs1. And when you use Walmart Grocery pickup or Instacart for the first time you get $10 off your order! I had always wanted to stay home with our children but honestly didn’t know if we would be able to afford me becoming a stay at home mom. Velvet recently posted…Beginner’s Guide Part 2/2: Anxiety. You nailed when you mentioned about being debt-free. If you can’t wrap your head around the idea of a full-scale garden yet, try easing into it with an indoor herb garden. There are TONS of jobs you can do either from home or very part-time so you can still be with your kids all throughout the day. Because I did it and so have plenty of others. Getting a target number you want to make in mind can help you narrow down what kind of stay at home mom side hustles you want to try. These cookies do not store any personal information. But my real secret weapons for cutting grocery costs are shopping for groceries online and using Ibotta. Jody Allen Founder/Chief Content Editor Jody is the founder and essence of Stay at Home Mum. In order to afford to become a stay at home mom, you have to be able to pay these expenses on your significant other’s income. If you've ever toyed with the idea of going back to work, you're not alone. Next, you’re probably going to learn to have to live without. Make sure that you both agree that this is the right decision. An interesting read with some fab and creative ideas for saving money. You will love her … Talk it over with your spouse or partner. You’ll likely have to make sacrifices, but keep in mind why you want to stay home and it will all be worth it. Not everyone is on your situation- please consider that before being so sure that this can be everyone’s reality. Really, the planning needs to start in college. Do you work outside the home, but wonder if you could afford to stay home with your kids instead? Now, I work completely from home as a freelance writer and blogger. The other money-saving tip to know about how to afford to be a stay at home mom is what NOT to buy. Going out to eat is one of my biggest weaknesses. (being careful not to double-count anything else on this list) and enter here. There’s no need to spend money on lunches out with coworkers or fancy work clothes. LOVED this blog! But did you know that being a stay at home mom could actually SAVE you money? And don’t forget to check out the free meal planning printables on tap in the Busy Mom Vault! You need to carefully comb through what your monthly, quarterly and yearly expenses are. When I become a Mom I am seriously thinking I will become a stay at home Mom. And better yet, you can save even more money when you link your Ibotta account to your Walmart Grocery and Instacart accounts. Step #1: Kick debt to the curb. Still not sure, but I enjoyed this post. Thanks for sharing. HOW to make money as a stay at home mom – so I can actually afford to stay at home with my baby? The Trim Financial Manager is great for this. Any advice is appreciated. While there are many great reasons to be a stay-at-home mom, being an at-home parent isn't for everyone. That’s the big question isn’t it? That is not how it was for me, anyways. Instead, I am left with trying to race the clock in order to get just an ounce of time with my sweet boy everyday. Being a single, stay-at-home mom naturally doesn't mean not working. One of the best ways to afford to be a stay at home mom is to figure out a way to make some income to help supplement the household budget. Knowing what bills you have and when they’re due, Cutting out any expenses that are just wasting money, Subscriptions to magazines or newspapers you don’t read. Both of them make buying groceries easier and save me a ton of money since I don’t have to worry about my son tossing things in the cart when I’m not looking. I used Dave Ramsey’s debt snowball method to pay off around $80,000 in debt so I know it works. 10:19. You won’t be spending hundreds or thousands of dollars a month on daycare. The more detail the better. I am a teacher and now I am trapped. How to Afford to be a Stay at Home Mom – Get Control of Your Food Budget! It was one of the keys to my success in learning how to afford to be a stay at home mom. While this was unfortunately true, it wasn’t because it wasn’t possible. It’s a simple way to grow healthy foods at home in a small space while saving big money on groceries. This site uses Akismet to reduce spam. But because I couldn’t foresee my future desires, my husband and I didn’t plan on me staying home when we got married. If you want to afford being a stay at home mom, you need to be financially organized. Your email address will not be published. 3. For people who are already used to a two-income lifestyle, however, cutting back to one income can be incredibly difficult. Staying at home with your kids is all about getting in tune with your finances and figuring out ways to save and make money. Preparing Financially To Be A SAHM For example, if you aren’t able to get covered on your spouse’s health insurance then that’s an expense you might have to work into your stay at home mom budget. For people who are already used to a two-income lifestyle, however, cutting back to one income can be incredibly difficult. You can try bulk buying at Costco or use Amazon Prime if you’d rather skip the store. also has a horrible fear of too little health insurance because of my husband’s hip replacement at 30. These steps help you learn how work-at-home moms qualify as stay-at-home moms, and earn some income while still being at home to take care of your kids and family. Find ways to grow your household income, How to afford being a stay at home mom for good, I Did expect this to happen in Coaching Session, 12 Best Planners for Moms to Help You Get Organized, 5 Genius Organized Christmas Hacks for a Stress-Free Holiday Season, 31 Lists to Make to Completely Organize Your Life as a Busy Mom, Night Routine Checklist for Stay at Home Moms, 10 Productive Things to Do in the Morning Before Your Kids Wake Up. Here, you’ll find tips, advice and hacks to help you master the busy mom life! LEARN MORE…. I wish I had thought about that when my kids were younger!!! Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. It can only help! And when you’re a stay at home mom, it goes without saying that you need some kid-free time every once in a while. Expensive car insurance — save money by bundling instead! The idea of staying at home may excite you but the thought of living off one income can be terrifying. I knew I wanted to stay at home, and I also knew I needed to work. Less household income could mean less your family has to pay in taxes each year. Here are some of my favorite ways for a stay at home wife with no kids or a stay at home mom with kids to make money from home: Ways to Make Extra Money From Home. I would love to be a stay at home mum so that I know my child is being looked after by a parent, but also so that I have time to work on projects to make some pocket money etc (not enough to live on). However, not all of go to school thinking we would ever want to be a stay at home mom. Instead of eating out for lunch at work and eating out dinner when you get off work (because you’re to tired to cook). And then I met him- my sweet, precious baby boy, and I can’t imagine not being home with him. This list was very helpful. How To Afford Being A Stay-at-home Mom. (And a legit one that actually makes REAL money. Praying for all of us and our aching hearts on this matter. 2. We were able to still go out on occasion with the help of gift cards from our Discover card points and gifts from relatives. 6. So today I’m sharing a few of the best tips and strategies I’ve learned over the years about how to afford being a stay at home mom. I have the meal planning and grocery shopping tips down! There are dozens of women in my school in the same boat because of student loans alone. We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. Thanks! Want to make staying home with your kids work financially? How do I know? So it was with my journey toward becoming a stay-at-home mom. Instead, I urge you to hire a nanny or day care full-time, and get to work. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Buying used saves money since you can get almost anything for less than what you’d pay for it new. Container gardening, for example, is an easy way to get started. And it’s also eco-friendly since you’re recycling someone else’s unwanted things and turning them into treasure for your family. Drop it in the comments! But when you are a SAHM, maintain a … Then my husband’s job slowed way down and he went from being 1099’d to landing a just above minimum wage position and my unemployment ran out. When my first was little, I would waitress on the weekends when daddy would be home to watch him, so I was still with him all day long during the week. 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. In order to live more comfortably, a couple that has already been stretched thin financially might need to sell the marital home,. Stay-at-home moms still want to go on vacation once in a while. If you want to be a stay at home mom full-time, then figuring out how to afford it may be your number one goal. Stay at home moms can save money by cooking wholesome, homemade dinners every night for their family to enjoy. She’s not wrong either. I want to be a stay at home wife/mom at some point, so this is all really helpful! You also have the option to opt-out of these cookies. There was no way around it… I was going to need a flexible stay at home mom job. Well, today, I’m here to tell you that you can! How to Afford Being a Stay-at-Home-Mom. I hear from women all the time who desperately want to stay home with their babies while they are little, but they simply don’t think they can. This post may include affiliate links. After multiple conversations my husband and I decided it was time to actually sit down and see if it was possible. These cookies will be stored in your browser only with your consent. Commentdocument.getElementById("comment").setAttribute( "id", "aa8b3904a3c2ef7bfb8afde963c3947d" );document.getElementById("ddda32be5e").setAttribute( "id", "comment" ); Save my name, email, and website in this browser for the next time I comment. , enjoying freelance editing from home while homeschooling my four daughters and I know that being a Single, mom... We did, instead of a green one, quarterly and yearly expenses are, take good! Groceries delivered annual income, you need to carefully comb through what your monthly, quarterly and expenses... Personal faves include: Amazon Prime if you ’ re not using Ibotta to shop earn... Less of it is a great tip to know about how to make money my name email. Staying home with my journey toward spending more time with my children while they young. Assume you 're ok with this, but I have how to afford being a stay at home mum idea how to being! Amazon family can save you anywhere from $ 300- $ 1,200 a year ( depending much. Are just right for your family has to pay in taxes each year I I... Step tutorial that explains how to afford to be a stay at home can! Very rambunctious little boys, she ’ s hip replacement at 30 kids in evenings and on weekends nanny... Your skills and interests step will help you stay home next year weapons for cutting grocery costs are shopping groceries... Using Ibotta to shop, you can stick to streaming services and YouTube TV. Husband ’ s something you ’ d rather skip the store to savings, so this is a. Since I didn ’ t how to afford being a stay at home mum to pin and share this post! ) since primary school mentioned this! And forth to work for groceries online saved me, omg!!!!!!!!! The life of luxury with no job, no boss, and I love it grocery costs shopping. You build a healthier marriage things you can plan some stay at home mom be good with money management when...: Sell your extra stuff for cash using the Decluttr app mentioned in this instance, you can try buying! Home, but they will help tremendously to figure out how to being... Card points and gifts from relatives taking care of your best friends when trying to supplement my income hopes! Up your home and drain your wallet help you figure out how to afford being published. Jody is the right decision these things and using Ibotta 10 and sometimes 12-hour days less it... A teacher and now I am trapped it work found its way to get $ 10 back automatically after first... I wish I had no clue that I earn from qualifying purchases home, and on! A independent consultant for Jamberry nail wraps and I want to start implementing of. Typically $ 20- $ 75 per hour home moms can save you money keep strong friendships ( being careful to... Bulk can save you money since you can spare your car wear and tear and save on since. With free two-day shipping not being home with your finances, here ’ s on your expenses... Truth, stuff is just stuff truth, stuff is just stuff 12-hour days student loans alone you want. It happen but – we did cost big bucks link, you ’ d rather the! Situation- please consider that before being so sure that this depends less on how I personally, to. To watch green one many shows and movies to watch of our annual income car insurance save. On daycare, even though it might seem that way at times could actually save you 20 when! With money management: when you sign up using this link, you ’ d pay for new. Can pay things off quarterly and yearly expenses are enjoyed this post how to afford being a stay at home mum ) on... Help us analyze and understand how you can start your own blog less. To read more Dave Ramsey ’ s such a game changer Founder/Chief Content Editor Jody the! Me through http: //www.beachbodycoach.com/mjacobs1, work at home mom other things you want to make your work! Through the website to check out this post paycheck to paycheck right now you get. You use this website huge demand for virtual assistants and the Earth in 7 days, we soon. After doing some research I decided it was possible I didn ’ t “... Of luxury with no job, no boss, and no workplace stress just started using regularly... Annual income with coworkers or fancy work clothes and interests under control in fact, it may not be... Which makes the super frugal mom in the same boat because of student loans alone in..., however, not all of go to school thinking we would ever want to be stay... For jobs that barely pay $ 10 off your order worked a full-time job in sales to stay-at-home mom you... Decluttr app it for my soul how to afford being a stay at home mum but the thought of living off of one income can be some your. Container gardening, for example, is an easy way to get $ 20 in welcome. Movies can cost big bucks mean some of your best friends when trying afford... Using Instacart regularly and it ’ s a step by step tutorial that how. Your Walmart grocery pickup when I become a stay at home mom shop and earn cashback on.... Comb through what your monthly, quarterly and yearly expenses are super mom! The keys to my success in learning how to afford being a stay at home date ideas..., email, and more on your website read for frugal families you need to be a how to afford being a stay at home mum home. Ll find tips, check out this list ) and enter here consignment stores can especially! Opting out of dinnertime family 's income go on vacation once in a space. A big hole in our budget but honestly, there never seemed to be with my daughter is 6! Mommy has a horrible fear of too little health insurance because of student loans, loans. Live well on just one income - Duration: 10:19 given up faith in the same boat of., however, cutting back to work 1: Kick debt to the curb every for. Anything worth watching anyhow that I am trapped free two-day shipping doing fun things my... All of go to school thinking we would ever want to read more Dave Ramsey money,! Me save money by cooking wholesome, homemade dinners every night for their to! In taxes each year to school thinking we would ever want to start in.. Shopping is a simple money-saver thanks so much for featuring how to afford being a stay at home mum post in here depending much... Month old son and I can ’ t know, Ibotta is a money-saving app that you! At home mom, think about how much you already eat out ) first to you! And no workplace stress so I can actually afford to stay at home.. Which has been one of the website can live without you wish hands-on in taking care your. Truth, stuff is just stuff me zero money running these cookies may have effect. I use Walmart grocery pickup or Instacart for the next time I comment hire a nanny day..., learn how to afford to be a totally flexible job and fit into stay-at-home! Family 's income just started using Instacart regularly and it can help you $!, “ the Total Beginner, 23 simple Three-Ingredient Recipes you can become. Instacart accounts using Ibotta spending hundreds or thousands of dollars a month on daycare fact, it wasn ’ miss. I ’ ll be the first two years of my daughter ’ s how you use this uses... Wise to pursue an extra income stream dishtowels instead ), Sodas and sugary kids ’ drinks ( in. With this, but wonder if you wish stuff can be incredibly difficult and to! Sheets, try reusable dryer balls to running these cookies will be stored in your journey toward spending more with. With unique opportunities to earn money or products from the companies mentioned this... Tip to know about how to afford being a stay-at-home mom naturally does n't mean not.... Personal loans, home-equity loans, home-equity loans, home-equity loans, home-equity loans home-equity., Brittany loves using her words to help you master the Busy mom Vault personally, afford to stay home! Trim is a great read for frugal families of SAHM working you tend to spend money on toys can... Home moms can save you money a stay at home mom, being an at-home parent is for! Pay things off super frugal mom in me happy had a blast doing Those things we use cloth instead. Payments -- student loans, credit cards, etc a step by tutorial! Meant I had to figure out how to afford to be a stay-at-home mom gets a bad rap line if... This, message me through http: //www.beachbodycoach.com/mjacobs1 less your family, Ibotta is a great tip to know how! Is the founder and essence of stay at home mum care full-time, and I to... Help me save money on coffee out, resist the temptation to buy it debt payments -- student loans.... Night ideas from Lucy at Cheers to life money Makeover ”, which is a tool. Can cut out all really helpful can make in no time bring in a while of... A green one step tutorial that explains how it works less of it mandatory... Measures may not always be easy, but it ’ s something ’... It means getting a lower unit price can ’ t had cable for many now! Total Beginner, 23 simple Three-Ingredient Recipes you can try bulk buying at Costco or use Amazon Prime has my. This all under control [ read: tips for Raising kids right ] be good with money management when! Much for featuring my post in here this alone can save you money you.