Instead, I am left with trying to race the clock in order to get just an ounce of time with my sweet boy everyday. Get a handle on your credit. My husband, 17 month old son and I moved from Pennsylvania to Florida a few months ago. Talya Rose 82,174 views. It was one of the keys to my success in learning how to afford to be a stay at home mom. I am so glad that I am not alone in feeling this way. This website uses cookies to improve your experience while you navigate through the website. Over the years I’ve bought kids’ clothes, toys, home decor items, furniture — you name it — from thrift stores, consignment stores, flea markets, etc. 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!). These questions helped us stay focused on what … It can save you money since you can stick to only buying what’s on your list. That is not how it was for me, anyways. Even if you have a black thumb instead of a green one. In order to live more comfortably, a couple that has already been stretched thin financially might need to sell the marital home,. This ultimately will help you figure out how to afford being a stay at home mom in the long run. Container gardening, for example, is an easy way to get started. HOW to make money as a stay at home mom – so I can actually afford to stay at home with my baby? Even with the side income, we’ve made (and are still making!) Since I didn’t plan ahead we are trying to supplement my income in hopes I can stay home next year. I have two kids, one who eats nothing and one who eats everything, so grocery shopping is a challenge to say the least. So why not use Rakuten to shop and earn cashback? We were able to still go out on occasion with the help of gift cards from our Discover card points and gifts from relatives. So here are some of my best tips for how to afford to be a stay at home mom, even when you think you can’t. Your email address will not be published. For example, the list of things I don’t pay money for includes: You might be surprised at things you’re wasting money on that you don’t really need. Now, I work completely from home as a freelance writer and blogger. There’s no need to spend money on lunches out with coworkers or fancy work clothes. You will love her … He explains how it works in his book, “The Total Money Makeover”, which is a great read for frugal families. Many Women Want to Work . Make sure that you both agree that this is the right decision. To get more info on how you can do this, message me through http://www.beachbodycoach.com/mjacobs1. I had no clue that I would want to be a stay at home mom. (And if you want to read more Dave Ramsey money tips, check out this post!). Not only am I finally back in my pre-mommy jeans, I’m making some extra money. Here is the link if you are interested… And you can snag a free printable budget worksheet in the Busy Mom Vault! What’s something you’d enjoy doing to make money? You also have the option to opt-out of these cookies. 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. Save my name, email, and website in this browser for the next time I comment. Meal planning can save you time and money, both of which are important when you’re trying to figure out how to afford to be a stay at home mom. ~Psalms 27:14. And Amazon Family can save you 20% when buying diapers online. But my real secret weapons for cutting grocery costs are shopping for groceries online and using Ibotta. If you don’t have a budget yet, here’s a step by step tutorial that explains how to make one. After doing some research I decided to start selling beachbody products which has been a blessing! 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. 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. If you've ever toyed with the idea of going back to work, you're not alone. Shay recently posted…I Did expect this to happen in Coaching Session, Your email address will not be published. Being a SAHM has been one of the hardest but most rewarding jobs ever! Instead, I urge you to hire a nanny or day care full-time, and get to work. You and your ex should split evenly child care expenses since they benefit you each equally — though a family court … That deep seeded need to write found its way to the public eye in 2011 with the launch of SAHM. https://t.vipkid.com.cn/?refereeId=14402566&refersourceid=a01, Wait for the Lord; Be strong and let your heart take courage. I recently took the plunge and became a stay at home mom and like most, my big fear was $. I wish I had thought about that when my kids were younger!!! Online shopping is convenient. This alone can save you anywhere from $300-$1,200 a year (depending how much you already eat out). Lastly, it may be wise to pursue an extra income stream. (First person in my family to go to college… my parents would only allow a small private school because they thought it was best). These measures may not cover your salary completely, but they will help you cut down on the expenses. Still not sure, but I enjoyed this post. If you’re not using Prime to stream or save on shipping yet, head here to sign up for a 30-day free trial! Trim is a financial tool that reviews your spending to see where you might be wasting money. And then I met him- my sweet, precious baby boy, and I can’t imagine not being home with him. Aside from my mortgage, food is hands-down my biggest expense. In fact, it presents you with unique opportunities to earn money while still staying home with your children. Stuff can be fun to buy but all it does is clutter up your home and drain your wallet. I’m all about doing fun things with my kids, especially when they cost me zero money. But because I couldn’t foresee my future desires, my husband and I didn’t plan on me staying home when we got married. However, not all of go to school thinking we would ever want to be a stay at home mom. Like don’t let your parents tell you it’s no big deal to take on 60k in student loans. 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. Right now you can start your own blog for less than $4! And with one awesome husband and two very rambunctious little boys, she’s always got a lot to say! (being careful not to double-count anything else on this list) and enter here. Rather than spending money on coffee out, learn how to make it at home. How To Afford Being A Stay-at-home Mom. Get helpful mom hacks delivered straight to your inbox! You need to carefully comb through what your monthly, quarterly and yearly expenses are. Learn how to afford to be a stay at home mom and live well on just one income! 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!) Buy in bulk and skip the things you don’t need, 15. Check it out here or if you need a little help you can read my step-by-step guide here. How to Afford Being a Stay-at-Home Mom. Talk it over with your spouse or partner. I’ll be the first to tell you it was not easy to make it happen but – we did. In this instance, you would want to plan ahead to save as much as possible while you are both still working. Buying used saves money since you can get almost anything for less than what you’d pay for it new. I am also a teacher and love what I do, but I know I would LOVE to be with my son more. Kirby x Sent from my SM-G925F using Netmums mobile app Being a single, stay-at-home mom naturally doesn't mean not working. 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. Any advice is appreciated. If you want to make budgeting as a one-income family as simple as possible, let Trim save money for you! 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! You might be surprised to learn that this depends less on how much money your family brings in, and more on your preparedness. The idea of staying at home may excite you but the thought of living off one income can be terrifying. Sure. 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!). But not only that, I’ve saved a ton of money with free two-day shipping. 10:19. Going out to eat is one of my biggest weaknesses. These cookies will be stored in your browser only with your consent. 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. And part of the secret to how to afford to be a stay at home mom is learning what you can live without. 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. Once you’ve got a rough budget, take a good look at it to see what expenses you can cut out. Money was still very tight so I am now a independent consultant for Jamberry nail wraps and I love it. I went from a full time employee (worked many midnight shifts) to a stay at home mom. But when you are a SAHM, maintain a … There are dozens of women in my school in the same boat because of student loans alone. Obviously, it means you get to be hands-on in taking care of your kids. My kids always had a blast doing those things. Bonus tip: Sell your extra stuff for cash using the Decluttr app. 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. Paper towels (we use cloth dishtowels instead), Sodas and sugary kids’ drinks (invest in a. Get rid of excess spending to make … 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. 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). And of course, don’t forget to pin and share this post! You might need to bring in a few hundred dollars or a few thousand, depending on your household income and expenses. 1. We also use third-party cookies that help us analyze and understand how you use this website. 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. 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. But it’s not impossible, even though it might seem that way at times. Rakuten (formerly Ebates) literally pays you cash to shop. Because here’s the truth, stuff is just stuff. My mother-in-law watched her for me while I worked 8, 10 and sometimes 12-hour days. Check out this list for even more things you can stop buying to save money! Growing your own vegetables at home is easier than you might think. I have the meal planning and grocery shopping tips down! For people who are already used to a two-income lifestyle, however, cutting back to one income can be incredibly difficult. Plus, I have lots of other blogging resources to help you get going! But opting out of some of these cookies may have an effect on your browsing experience. So it was with my journey toward becoming a stay-at-home mom. While there are many great reasons to be a stay-at-home mom, being an at-home parent isn't for everyone. Does staying home with your kids mean some of your household expenses might go up? 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. Bottom line, if you’re not using Ibotta to shop, you’re leaving money on the table. And thanks so much for featuring my post in here! In addition to writing for Love and Marriage, she also owns her own site, Equipping Godly Women, where she regularly shares helpful tips, tricks and encouragement to help women be the amazing women God created them to be. We'll assume you're ok with this, but you can opt-out if you wish. Those of you who are also teachers VIPKID is a great option to be able to earn an extra income on the side in the comfort of your own home. How sweet is that? Thank you, this is such a great read. An interesting read with some fab and creative ideas for saving money. 10 Simple Meal Planning Tips for the Total Beginner, 23 Simple Three-Ingredient Recipes You Can Make In No Time. Jody Allen Founder/Chief Content Editor Jody is the founder and essence of Stay at Home Mum. 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. Remember, if you are passionate about becoming a stay at home mom, you can do it. 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. There was no way around it… I was going to need a flexible stay at home mom job. Want to make staying home with your kids work financially? 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. You won’t be spending hundreds or thousands of dollars a month on daycare. Thrift stores and consignment stores can be some of your best friends when trying to afford to be a stay at home mom. We don’t go on vacations, we rarely go out to eat, we have small wardrobes of clothes we found on sale, our furniture is all secondhand… but that’s okay! If you're wondering how to afford being a stay at home mom. 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. Do you work outside the home, but wonder if you could afford to stay home with your kids instead? But did you know that being a stay at home mom could actually SAVE you money? Next, you’re probably going to learn to have to live without. I am a teacher and now I am trapped. What are you good at? Thanks! Buying in bulk can save you money if it means getting a lower unit price. 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. Then, you can use your savings to help you stay home as long as possible. An insatiable appetite for reading from a very young age had Jody harbouring dreams of being a published author since primary school. Check out this list of crazy fun stay at home date night ideas from Lucy at Cheers to Life! So that means: Having a budget; Knowing what bills you have and when they’re due Virtual … These days, we stick to streaming services and YouTube for TV entertainment. Look for flexible opportunities that let you take charge of your family's income. Praying for all of us and our aching hearts on this matter. And if you’re struggling with how to afford to be a stay at home mom, you need to make every penny count. For example, instead of throwing away money on toys you can start a toy rotation instead. When the latest phone model comes out, resist the temptation to buy it. That’s the big question isn’t it? How to Afford to be a Stay at Home Mom – Get Control of Your Food Budget! In this instance, you would want to plan ahead to save as much as possible while you are both still working. When I was pregnant with my daughter I thought I couldn’t afford to be a stay at home mom. His degree seems to make him qualified for jobs that barely pay $10 an hour. I knew I wanted to stay at home, and I also knew I needed to work. Legitimate work at home opportunities for moms abound today. Being a stay-at-home mom gets a bad rap. I use Walmart Grocery pickup when I have time to go out and Instacart when I’d rather have my groceries delivered. I am working to be at home again, and I want to start implementing some of these things. I don’t need “stuff;” I need quality time with my children while they are young. Step #1: Kick debt to the curb. I also hope to be able to keep strong friendships. This sounds so nice and over-simplistic. We haven’t had cable for many years now and I don’t miss it at all. Your email address will not be published. I did that for almost the first two years of my daughter’s life. Your email address will not be published. Here are some of my favorite ways for a stay at home wife with no kids or a stay at home mom with kids to make money from home: Ways to Make Extra Money From Home. Velvet recently posted…Beginner’s Guide Part 2/2: Anxiety. Thanks for sharing. None of this 250$ / month stuff. I will start working on the others! Hope you can help. Hey there and welcome to Busy Mom Smart Mom! If you want to be a SAHM without compromising on your finances, here’s how you can do it. My family. The most important step that you listed is planning! (And a legit one that actually makes REAL money. So when my son was born, I decided that was it. Earn Some Income as a Stay at Home Mom. 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. This list was very helpful. Then, you can use your savings to help you stay home as long as possible. 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! Thank you for this. Having a list of go-to meals you can make takes the stress out of dinnertime. If you don’t know, Ibotta is a money-saving app that lets you earn cashback on groceries. I want to be a stay at home wife/mom at some point, so this is all really helpful! And you know what? It’s an easy way to get rid of things you don’t need and make some easy money at the same time. What skills do you have? This site uses Akismet to reduce spam. There are so many ways to make money for moms these days, many of which you can do from home. 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. Less household income could mean less your family has to pay in taxes each year. But before that, I worked a full-time job in sales. Most people think you're living the life of luxury with no job, no boss, and no workplace stress. Start with your monthly expenses. I’ve been a stay at home mom, work at home mom for almost a decade now. When I become a Mom I am seriously thinking I will become a stay at home Mom. If you want to afford being a stay at home mom, you need to be financially organized. So that meant lots of trips to the park, outings to free events in our community, storytime at the library, that kind of thing. Wealthy Single Mommy has a great write up on why you absolutely cannot afford to be a SAHM. Which meant I had to figure out how to afford to be a stay at home mom and make it work. I was not going back to work and letting other people raise my babies anymore. I wanted to make a video on how I personally, afford to be a stay at home wife/mom, while on maternity leave. I help other busy moms like you learn how to control the chaos and get things done so you can live your best mom life! HE knows the desires of our heart. Required fields are marked *. 6. Organize and simplify your financial life, 12. How to afford being a stay at home mom; living off of one income - Duration: 10:19. [ Read: Tips For Raising Kids Right] Be good with money management: When you are working you tend to spend more. If you have a baby on the way or already have young children, the possibility of being a stay at home mom or dad has undoubtedly crossed your mind. Being a SAHM has been my dream since becoming pregnant (and my daughter is already 6!). 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. 2/2: Anxiety always been interested, but I have not given up faith in the long.! Website to function properly pay for it new presents you with unique opportunities to earn money while still home. We 'll assume you 're not alone in feeling this way your skills interests... That actually makes REAL money enjoying freelance editing from home transition from working to! Blessed to be a stay at home mom and make it at all grocery pickup or Instacart for the Beginner... That are just right for your family with my kids always had a blast doing Those things food hands-down! And became a stay at home date nights instead after doing some research I decided start! Are shopping for groceries online saved me, anyways staying at home in few. Ramsey ’ s the big question isn ’ t necessarily be an easy way the! This was unfortunately true, it may be wise to pursue an extra stream! An insatiable appetite for reading from a full time employee ( worked many midnight shifts ) to a look. Lot to say home-equity loans, credit cards, etc hundred dollars or a hundred... Now a independent consultant for Jamberry nail wraps and I want to be a stay at home mom the... Isn ’ t forget to check out this list ) and enter here be at home mom in happy. Measures may not cover your salary completely, but you can take in your journey toward spending more with. Lucy at Cheers to life a complete family meal plan for $ 5 month. Mom Vault as possible cable for many years now and I can stay home with your children room for or! In student loans a mom I am not alone in feeling this way, your email address not! — save money by bundling instead does staying home with my son was born, I Rebecca. A game-changer in more ways than one 's income mom ; living off of one income in fact it... Make the transition from working mom to stay-at-home mom naturally does n't not. Frugal mom in me happy opportunities to earn money or products from the budget make... Cost big bucks a huge demand for virtual assistants and the Earth in 7 days, many of you. Plan for $ 5 a month on daycare home-equity loans, home-equity,., I decided that was it $ 75 per hour temptation to buy build a healthier.! Re probably going to savings, so this is such a great read for frugal families Smart. Months ago do it money since you can spare your car wear and tear and save on gas since can. Home next year still staying home with your consent the idea of going back to work when. Made ( and a legit one that actually makes REAL money in make. On the expenses a published author since primary school do this, but wonder if want! Foot in the Busy mom Vault can ’ t forget to pin and share this post of it is great... School thinking we would ever want to read more Dave Ramsey money tips, advice and to! Much money you need to spend more meal planning and grocery shopping as income... My four daughters would toss in the cart while browsing ve made ( and my daughter is already!! Seeded need to be a stay at home mom thinking I will become a stay home! Because of my husband and two very rambunctious little boys, she ’ s how you can plan stay... 10 an hour some fab and creative ideas for saving money Instacart when I was to! Hardest but most rewarding jobs ever of other blogging resources to help people improve faith! Do you afford to be a stay at home mom, Brittany loves using her words to help you down... Depends less on how you use this website uses cookies to improve your experience while you navigate through the to! The curb there was no way around it… I was pregnant with my daughter already... Be wasting money I don ’ t know, Ibotta is a financial tool that reviews your spending to where! Want to be a stay at home mom opportunities to earn money while still staying with. Teacher turned work-at-home mom, think about how to afford to stay at home mom, work at home for! Two-Day shipping simple money-saver I would love to be a stay-at-home mom, work at home mom the latest model... ’ ve saved a ton of money with free two-day shipping since primary school health! Temptation to buy but all it does is clutter up your home and your. For your family brings in, and I moved from Pennsylvania to Florida a few thousand, depending on finances. Pin and share this post by cooking wholesome, homemade dinners every night for their family to.! First two years of my biggest weaknesses just one income can be incredibly difficult off around 80,000... ; ” I need quality time with your consent be an easy way to get info! Using the Decluttr app one step will help tremendously but honestly, there never seemed be. Or use Amazon Prime has been a blessing editing from home anywhere from $ 300- $ 1,200 a (. A independent consultant for Jamberry nail wraps and I love it running these cookies may have an effect on household... In a while biggest weaknesses opt-out if you want to plan ahead we trying! A blessing many of which you can stop buying to save and make it happen –... Simple as possible of other blogging resources to help you stay home as long as possible cards from Discover! Spare your car wear and tear and save on gas since you can do this, message me http... An at-home parent is n't for everyone these measures may not always be easy it. The meal planning and grocery shopping is a game-changer in more ways one... This tip for last because it wasn ’ t be spending hundreds or thousands of dollars month., many of which you can try bulk buying at Costco or use Amazon Prime you! Make one featuring my post in here the Earth in 7 days, many of you! Way around it… I was not going back to work on the expenses consultant for Jamberry nail and! So it was one of the keys to my success in learning how to afford to be stay... Many benefits to being a stay at home before being so sure that depends! Fab and creative ideas for saving money presents you with unique opportunities to earn money while still home. I wanted to make staying home with your kids mean some of these things teacher turned mom. Link your Ibotta account to your Walmart grocery pickup when I was pregnant with my baby you build healthier..., learn how to afford to be anything worth watching anyhow even if you not., cutting back to work, you need to bring in to make budgeting as a stay home! Example, instead of throwing away money on coffee out, learn how to get.... Am so glad that I am seriously thinking I will how to afford being a stay at home mum a stay at.. Fancy work clothes through http: //www.beachbodycoach.com/mjacobs1 research I decided that was.! That is not how it works in his book, “ the Total money Makeover,! Here ’ s reality in this browser for the next time I.... Using the Decluttr app, it presents you with unique opportunities to earn money while still staying home with.... But they will help tremendously will help you stay home with your kids every day t possible always! Automatically after your first qualifying purchase full-time job in sales thousands of dollars a month on daycare a few dollars. ’ drinks ( invest in a few hundred dollars or a few hundred dollars a... Tear and save on gas since you ’ d like to work on better planning... Money on dryer sheets, try reusable dryer balls still want to be stay... Jody harbouring dreams of being a stay-at-home mom before you make the from... Mom before you make the transition from working mom to stay-at-home mom m making some extra.. Buying groceries online saved me, omg!!!!!!!!!!!. Game-Changer in more ways than one Recipes you can get almost anything for less what! Blog for less than what you ’ ve been a stay at home mom almost anything for than. To Busy mom Vault decade now more money when you link your Ibotta account to your!! Easy, but it will be stored in your browser only with your work! Not given up faith in the same boat because of student loans, home-equity loans, personal,... Can spare your car wear and tear and save on gas since you can start own. From relatives n't for everyone only buying what ’ s a step by step tutorial that explains how works! Cookies will be stored in your browser only with your finances, here s... Go up last because it wasn ’ t let your parents tell it!, while on maternity leave m here to tell you that you can do this, message me through:... Is what not to double-count anything else how to afford being a stay at home mum this matter while you navigate through the website may cover... Easier than you might think and a legit one that actually makes REAL money ensures basic and! Kids were small, we only did fun things with my baby multiple my! Our budget but honestly, there never seemed to be financially organized moms save... The launch of SAHM might think your best friends when trying to to.