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How To Afford To Be A Stay At Home Mom: 5 Ways To Save Money

How To Afford To Be A Stay At Home Mom: 5 Ways To Save Money

Comparison will steal your joy, and your paycheque.

You are on a brand new stinkin’ journey.

You will have people make fun of you for budgeting and saving money.
You will have times where you see everyone looking glamorous with their expensive baby items and clothing, and wish you weren’t budgeting.
You will have times where you wish your husband added an extra 0 to the end of that paycheque…

But here is the thing: Know why you are starting your budgeting + money saving journey.

It can be an incredibly positive and encouraging journey, rather than something that has to make you feel less than!

Budgeting and saving money isn’t about depriving yourself. It is about being smart with your money so you can afford the things that mean the most to you.

Healthy groceries, traveling, paying of student loans, saving up to buy a home, becoming a stay at home mom, saving for your future, or maybe you just want to afford to get your hair done every 6-8 weeks!

Here are 5 ways to save money that are easy to implement!


Bills: negotiate or swap

I was extremely skeptical when I read about negotiating bills… I thought it was kind of scummy! I was reading this blog article about how she decided to negotiate her bills, and some of her bills she went from paying $50/ month to $5/ month.

She suggested calling each place and letting them know if you couldn’t be provided with a better price, you were going to go else where that provides a cheeper cost for the service.
** note: actually research which companies do indeed have a lower cost service to provide. I believe honesty is the best policy! They may match or even beat the better rate you found!

Childcare: instead of paying for it, provide it.

I started occasionally watching other people’s kiddos during the days to make sure my own kids were getting tons of social interaction, and learning how to live in community. But not only that, I do get paid a small amount.

I know some women who make upwards of $2000/ month from providing childcare with simply the knowledge on raising babies, possibly a first aid course, and a proper home set up. These women just make sure there is some sort of meal schedule, and their environment is sanitary!

If you are able to keep your home in a semi- clean environment (I mean… we are talking about multiple kids and a LOT of toys!!!!), you have the patience, and you have the knowledge, I say go for it!

In Canada, the average day home charges $5/hr or $35/ day for anything between 7-9 hours for 1 child, and $8-$9/hr for or $60-$65/ day for 2! You can really run this however suits your needs best.

I know it doesn't sound like a ton, but:

  1. my kids always get excited for a super long playdate

  2. watching just 1 kiddo 2-3 times a week ends up paying for the majority of our grocery bill every month. When I have watched multiple kids it has paid our rent even.

  3. you are able to grow your patience and your compassion

  4. $35 a day (or whatever you charge) multiple days a month truly helps in every way. You have to be optimistic that all the little things add up!

Let’s look back at that budget…

So, there is a reason I started day 1 off with so much basic knowledge on a budget. You need to know exactly where your biggest breaking points are. Is it coffee? Is it take out? Where are you spending a ridiculous amount of your money, that doesn’t provide value to your life.

How many of you spend unnecessary money a month the following:

  1. Drive thru coffee (Starbucks or Tim Hortons)

  2. Drive thru food in general

  3. Unnecessary clothing shopping

  4. An insane amount on junk food

  5. Gym membership (that you don’t use or doesn’t provide value to your life)

  6. Cable

  7. Netflix or Hulu that doesn’t get quality usage

  8. Apple music or Spotify

  9. Amazon Prime

  10. Monthly subscriptions that don’t provide value like: Fabletics, FabFitFun, fitness accounts, meal delivery services

  11. Poor grocery meal planning

I saved $200 cancelling every month online subscritpion and quit buying anything through a drive thru.

For the record: my husband and I gave ourselves a Tim Hortons budget every month so we can still grab coffee not he go. That being said, we spend under $50 on all other extras combined. We figured this was an appropriate exception!

My Ultimate Guide To Saving On Groceries

I save upwards of 33% on all my groceries. No coupons, no apps, no weird online things…

I simply shop at the best times, compare product pricing, follow sales in the pamphlets, and shop in season…. I do so many little things that add up like crazy.

Even though we are on one income, I still believe in investing in your food and your health. If you don’t take care of your wellness, you will be forced to care for an illness. This is a non-negotiable in our home!

2 Ways To Save 80% On Your Kid’s Clothes

I actually started thrift store shopping, and getting extremely thrifty with online shopping right before I had my first. It was an eye opener how much $100 could go elsewhere in our lives, but we still needed clothes. The link above is something I still apply to my own wardrobe, but especially the kids since they are growing so quickly!

DIY: All About The Food

Learn how to:

  1. preserve, can, or pickle your own food

  2. bake in bulk

  3. learn to meal prep

  4. learn to cook more meals at home, rather than cooking out

  5. make your kids favourite snacks by a simple Pinterest search. Chances are, you will find a healthy replacement that is way cheaper to make than buy!

Not only are these generally healthier options, doing this all in bulk is actually cheaper!! Even better yet: go half on all the materials with some friends and turn it into an entire day date, and split the product! I have had many friends have canning and large baking dates with me, and we have so much fun!


Question: Where do you think you can save in your budget?

How To Afford To Be A Stay At Home Mom: Ways To Make Money

How To Afford To Be A Stay At Home Mom: Ways To Make Money

How To Afford To Be A Stay At Home Mom: Treat Yourself Without Spending

How To Afford To Be A Stay At Home Mom: Treat Yourself Without Spending