How to Save Money As A Stay at Home Mom

Thrifty Tips: How to Save Money As A Stay at Home Mom in 2023

Being a stay-at-home mom is a rewarding and fulfilling role, but it can also be financially challenging. With only one income, it can be difficult to make ends meet and save for the future. That’s why it’s important for stay-at-home moms to take steps to save money wherever possible.

In this article, we’ll provide tips and strategies for saving money as a stay-at-home mom. By following these tips, you can reduce your expenses, stretch your budget, and build a better financial future for your family.

How to Save Money As A Stay at Home Mom

Have a close look at how to save money as a stay at home mom.

Set a budget

One of the most important steps in how to save money as a stay at home mom is setting a budget. Here’s how to do it:

Create a budget plan

The first step is to create a budget plan. This involves calculating your total monthly income and then subtracting your expenses. Be sure to include all of your expenses, such as housing, utilities, groceries, transportation, and entertainment. There are many budgeting tools and apps available online that can help you create a budget plan.

Keep track of spending

Once you’ve created your budget plan, it’s important to keep track of your spending. This means tracking every dollar you spend, whether it’s a large purchase or a small one. There are many tools and apps available to help you track your spending, such as Mint or Personal Capital.

Prioritize expenses

Finally, it’s important to prioritize your expenses. This means deciding which expenses are essential and which are non-essential. For example, housing and utilities are essential expenses, while eating out and buying new clothes are non-essential expenses.

By prioritizing your expenses, you can focus on reducing non-essential expenses and saving money where it counts.

Cut expenses

Cutting expenses is a key strategy for how to save money as a stay at home mom. Here are some tips for reducing your expenses:

Eliminate unnecessary expenses

Take a close look at your budget and identify any non-essential expenses. This might include subscription services, cable TV, or a gym membership. Eliminating these expenses can save you hundreds of dollars per month.

Reduce utility bills

Your utility bills, such as electricity, gas, and water, can be a significant expense. To reduce these bills, consider taking simple steps like turning off lights and electronics when not in use, using energy-efficient light bulbs, taking shorter showers, and installing a programmable thermostat.

Use coupons and shop sales

When shopping for groceries or other items, be sure to use coupons and take advantage of sales. You can also consider buying in bulk or purchasing generic brands to save money.

Cook meals at home

Eating out or ordering takeout can be a major expense. By cooking meals at home, you can save money and ensure that you’re eating healthy, home-cooked meals. Consider meal planning and meal prepping to save time and money.

Also Read : Amazing 10 benefits of saving money for students

Find ways to earn extra money

In addition to cutting expenses, finding ways to earn extra money can help you on how to save money as a stay at home mom. Here are some ideas:

Freelance work

Consider using your skills and expertise to do freelance work, such as writing, graphic design, or social media management. Websites like Upwork and Fiverr can help you find clients and projects.

Selling items

Selling unwanted items can be a great way to earn extra money. You can sell items online through websites like eBay, Facebook Marketplace, or Craigslist, or hold a garage sale.

Participating in online surveys

Participating in online surveys can be a simple way to earn extra money. Companies like Swagbucks and Survey Junkie pay you to take surveys or complete other simple tasks.

Remember to be cautious when pursuing these opportunities and be sure to research any company or opportunity before participating.

Learn to DIY

Another way on how to save money as a stay at home mom is to learn to DIY (Do It Yourself). Here are some DIY skills you can learn:

Basic home repair skills

By learning basic home repair skills, such as fixing a leaky faucet or replacing a light fixture, you can save money on home repairs and maintenance. There are many resources available online, such as YouTube tutorials and DIY blogs, that can help you learn these skills.

Repurpose and upcycle items

Instead of buying new items, consider repurposing or upcycling items you already have. For example, you can turn an old dresser into a TV stand or use old sheets to make a quilt. This can save you money and reduce waste.

Make homemade products

Making homemade products, such as cleaning supplies or personal care products, can be a great way to save money and reduce exposure to harsh chemicals. There are many recipes available online, and many ingredients can be purchased in bulk to save money.

By learning these DIY skills, you can save money and become more self-sufficient.

Use free resources

Another way on how to save money as a stay at home mom is to take advantage of free resources. Here are some examples:

Borrow books and movies from the library

Instead of buying books and movies, consider borrowing them from your local library. Many libraries also offer free programs and events for children and adults.

Take advantage of free community events

Many communities offer free events, such as concerts, festivals, and outdoor movies. Check your local community calendar or newspaper to find out what’s available in your area.

Find free educational resources for children

There are many free educational resources available online, such as educational games, apps, and videos. You can also check with your local school district or library for free educational programs for children.

By using these free resources, you can have fun and learn new things without spending money.


Saving money on how to save money as a stay at home mom can be challenging, but it’s essential to ensure financial stability and security for your family. Here’s a quick recap of the tips we’ve covered:

  • Set a budget and prioritize expenses
  • Cut unnecessary expenses
  • Find ways to earn extra money
  • Learn to DIY
  • Use free resources

It’s important to be proactive about saving money, rather than waiting for financial problems to arise. By following these tips, you can save money and become more financially secure.

We also encourage readers to share their own money-saving tips. Everyone’s situation is unique, and there may be other tips and tricks that have worked well for you. By sharing ideas and strategies, we can all learn from each other and become better at saving money as stay-at-home moms.

Frequently Asked Questions

Is it possible to save money as a stay-at-home mom?

Yes, it’s definitely possible to save money as a stay-at-home mom. By being proactive about budgeting, cutting expenses, and finding ways to earn extra income, you can reduce your expenses and increase your savings.

How can I reduce my grocery bill?

One way to reduce your grocery bill is to plan meals in advance and make a shopping list based on those meals. Buying in bulk and using coupons can also help reduce costs. Consider buying generic or store-brand products instead of name brands, as they are often cheaper but just as good.

What are some ways to earn extra money as a stay-at-home mom?

There are many ways to earn extra money as a stay-at-home mom, such as freelancing, selling items online, and participating in online surveys. You can also consider starting a home-based business or taking on part-time work if it’s feasible for your situation.

How can I save money on utilities?

To save money on utilities, consider turning off lights and electronics when not in use, lowering the thermostat in the winter and raising it in the summer, and using energy-efficient appliances and light bulbs. You can also consider making home improvements, such as adding insulation or sealing drafts, to reduce energy usage.

Is it necessary to give up all luxuries to save money?

No, it’s not necessary to give up all luxuries to save money. While it’s important to cut unnecessary expenses, it’s also important to enjoy life and treat yourself and your family once in a while. The key is to find a balance between saving money and enjoying life.

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