Our city offers free concerts in the park every other Thursday in the summer, so for just the price of parking, we get a night out on the lawn to listen to music and can pack our own food. Without financial stability, your time spent as a stay at home wife or mom could turn into a nightmare. Now I’m trying to decide if I want to move to Durham or Raleigh. Have you linked up at #bloggerspotlight yet? How much do you want to be a stay at home mom? The point of being a stay at home mom is to be present for your kids. We started well! You’ll probably still have a mortgage and maybe some other bills to pay (if you can afford that on one salary). But do you know how much? I shop at aldi and troll sale papers for best deals. Walmart actually offers this service and it has saved us a TON in impulse buys. Chances are, if you’re reading this post, you are considering becoming a stay at home mom, but aren’t sure if it is financially possible for your family. But your tips are all wonderful, Jamie. That’s how I got started) is also a HUGE lifesaver. I would love some help!! I wish more people would, at least, respect our decision to be home with our children. After we had our third, my husband begged me to quit my job and stay home, and I reluctantly agreed. T. hey were only 50 cents for a 6 pack of organic tortillas! We’d love to pay cash for something else and sell what we have but can’t without still owing an arm and a leg. Move into a smaller house. Nope! I love that you include the advice to still live life. Sometimes you can still have what you want you just need to think about it differently. Hi Lindsay – your words mean so much to me! Great thoughts, Jamie! Do whatever it takes and get rid of your car payment! If you have a mortgage see if you can switch to a biweekly payment. You won’t miss it, just do it. Don’t get me wrong, I’m not saying that you don’t love your kids and want to be with them if you choose to work. I thought my kids were going to all but die when i cut the cable especially my teenager, but they dont miss it and I love not paying that bills every month. Add up all other monthly debt payments -- student loans, home-equity loans, personal loans, credit cards, etc. I am all for Moms being able to stay home with their babies if they can do so. I’m thankful for moms like you who still go to work and make a huge difference! STOP GOING OUT TO EAT. Last year we switched out cells from sprint to walmart family thru t mobile. We almost always eat at home and shop for used clothes in order to save money to live on one income. And, you are right, not every Mom wants to stay home and that is absolutely okay too. Move to a cheaper area like we did. What is your living situation? This gives you a pretty good average, especially when you’re talking about utilities. We’re all just doing the best that we can with what we have. I order what I need and get the heck out of there. Find out how our family of 8 keeps a good stockpile of food on a budget. My goal in starting this blog was to encourage other moms to make the most with what they have while focusing on appreciating the small things. “I have to figure out how to afford being a stay at home mom!”. That’s incredible! Our local state park offers primitive camping for only $10. But, oh how we became very suddenly frugal by necessity (and have continued live a frugal lifestyle we love)! Keep an eye out for festivals in your area. This was the closest we came to a budget for a long time and it saved our butts when we went through this massive income drop. Great tips Jamie! And I STILL wonder that even after being a stay at home mom myself for over a year now! Are you a stay home mom, or do you want to be? Good luck! This meant we had to completely change the lifestyle we were used to. Right now, I want you to decide you’re going to sacrifice to make this happen. Look for cheap or free entertainment options in your area. Make a budget. It’s a tough road sometimes, but I wouldn’t trade it. But you do have to be able to get it done! As hard as its been financially I wouldn’t change a thing. Thanks for the great read and we’ll wishes. You have proven that where there is a will, there is a way. Rather, look at your schedule and see if there’s a time that your partner can watch the kids while you work. I proudly watched as my Hubby crossed the stage wearing his cap and gown. 6 Ways You Can Afford to Be a Stay-At-Home Mom Get Rid of Luxuries: The easiest way to slash your spending is to go through your spending and see what luxuries you can get rid of. I can’t tell you how often I hear this from my readers. Try not to look back with regret. Kim was a pro event planner for over 7 years before she became a full-time blogger. Being a stay at home mom would be my ultimate dream come true! 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 thing was stained inside and was hideous to look at. Don’t fool yourself into thinking you’ll be able to get a lot of work done while you’re home with the kids. Unfortunately, that’s how they “get you.” You can always call and tell them you’d like to negotiate a way out of your contract. How To Afford Being A Stay At Home Mom: The 6 Steps You Need to Take. I Want to be a Stay at Home Mom Call your credit card companies and see if they can work with you to lower your payment. Hi Cammy, I’m sorry you didn’t get to stay at home with your kids and now wish you had. Before you decide to leave the workforce and become a stay at home wife or mom, give your financial health a checkup. Looking for money saving tips that work in your real, messy life? Their French bread loaves are usually only $1 which is already an amazing deal, but you can often find them for only 75 cents or even less! By the time I was pregnant with our third child, we knew it was time to get serious about making my dream a reality. We got rid of our SUVs and bought a 2002 Chevy Surburban. It definitely takes some sacrifice. My company matched a part of it so that was a nice bonus. My maternity leave was ending, and after going over all our income and expenses, I could not make the money add up! I just think it’s important to be honest about whether you truly want to be a full time stay at home mom. Your tips are right on, Jamie! There is no one right way to parent. Stay out of the store and order your food for pickup. How to Afford Being a Stay-at-Home-Mom 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. . They were laying about 6 eggs a day but with cooler weather they are down to about three a day. You’d never know that car is a 2002 and now it has been running for over a year. And please hear my heart when I say this: if you find that doing the above is just too much for you to do in order to make being a stay at home mom work, absolutely no judgement! My youngest is now 23 and every day I regret all I missed. Tips For Being a Happy Stay-at-Home Mom 13 Habits of Highly Effective (and Sane) Stay-at-Home Moms. He’s right. [clickToTweet tweet=”Hope for Moms who want to learn how to afford being a stay at home mom. We can figure this out! We just built a house but thanks to a different financing option,we have a pretty low payment. Is there any way you could move to a smaller/more affordable home in order to get some of your bills under control? Maybe it’s the pregnancy hormones, but I teared up when I read your comment! We moved 7 hours from our hometown for a job that paid a few cents LESS per hour. It sounds basic, but I am constantly surprised by how frequently people make purchases that they can’t really afford. If you click a link, we could earn a commission at no extra cost to you. I was in your shoes not long ago! Thank you for such an encouraging article! Thank you for such a helpful blog. It was a transition for us, but I wouldn’t have it any other way. “Want It The Most” – this is so true. My name is Jamie and I am so excited to share my journey with you! Finally, don’t panic. 1. It is such a blessing to be home with my children, and I try to appreciate it every day! As a nurse, I know for a fact that you made a huge difference in other’s lives when you weren’t at your kids’ programs and I’m sure your kids appreciate the sacrifices you made to provide for your family. According to mom.salary.com, a stay at a home mom juggles about 96.5 hours of work a week – that’s 50 hours of overtime and she should be paid close to $162,581 for all the different things she does in a week.. I applaud you women for staying home with your children. And I’m a single mom. #sahm #dreams” quote=”Hope for Moms who want to learn how to afford being a stay at home mom.” theme=”style4″]. How to Afford Being a Stay at Home Mom You CAN afford to be a stay at home mom (or dad) even if your spouse has a low income. Recently I made the decision to be a SAH momma too. Join the #brightsaver 30 Day Money Saving Challenge. Do A Financial Checkup. It meant resolving to live in an RV for a few months while we worked to build up my husband’s credit score so we could buy a home, and it meant living as cheaply as possible to make our dollars stretch as far as they possibly could. I really hope I am helping other moms achieve their goals. Find out if it's possible, and if it's really what you want the most! , Go EBA! I also have a good friend who moved down there 4/5 years ago. With the costs of daycare nowadays, I feel like it costs MORE to work than be a stay at home parent, personally. It was tough work to put him through college while we both worked full-time jobs and raised our son, but it paid off! She is not working on her career at the moment but she is the teacher, caretaker, nurse, chauffeur, cook, and babysitter for her kids. A totally free printable daily schedule that you can customize to meet your family's needs. How to afford to be a SAHM? Stay strong. Worst case scenario, try to wait it out and don’t do ANYTHING that could extend your contract. 15 signs your spouse is thinking of divorce—and what to do about it No need to delve into arguments about personal choice or what is good for children or families. Then the number one thing – getting our food budget under control. I get to see every new thing that he learns, I change every diaper (I see this as a perk! If you are in the same situation and want to stay at home with your little ones, please throw caution to the wind and decide right now that you are going to do WHATEVER IT TAKES to make your dream a reality. Try this with all of your debtors – it can’t hurt to ask. I want to help everyone stay at home with their babies if that’s what they’re being pulled to do. . What changes did you make to make being a stay at home mom possible? Many Bravolebrities, such as The Real Housewives, glamorize the stay at home life. Want It the Most. I received a new quote on my car insurance! Great tips – we were thrown into living on one income and, I’m not gonna lie, it was just horrendous at first. For many moms becoming a stay at home mom might seem out of reach. . I have chickens, which are about 8 months old. My parents were recently very surprised to find out that our family of four only makes about $3.4k per month. Read more. But the more payments you can eliminate, the stronger your chances are at succeeding at being a stay at home mom without digging a giant hole of debt. “Don’t fool yourself into thinking you’ll be able to get a lot of work done while you’re home with the kids” – YES! My husband worked very hard for me to be able to stay home. I had to be content with a long summer off from my teaching job with my boys instead. I don’t know how to break the habit. While it might seem a bit like a pipe dream, I promise you it isn’t. As I held him, one thought ran through my head over and over. But I worked through it and just did it. Be honest with yourself. He isn’t making a six-figure income. Absolutely! My husband is a surveyor as well, and we both work full time but can’t seem to catch a break with all of our bills and every day to day expenses. I’m sharing your story! We’re living on a very low income and are able to make this work. I am very eager to be a mother. Sign up for Redbox text message alerts and go get a DVD every time they have a free offer. For us, that meant moving south to a new job for my husband, better weather, and away from the dysfunctional pull of our families. It’s just a means to an end and if what a person is looking for is just more stuff or a bigger place to live or whatever, they really miss out on the good stuff like not getting to watch kids take their first steps. I went back to work 6 weeks after having my son via c section. This sounds silly, but it’s the most important step. How much do you want to be a … There are SO many ways around having cable that there is really no reason to keep forking out so much of your hard earned cash each month. . These steps help you learn how to afford being a stay at home mom. So be realistic. Pretty sweet deal! I found myself struggling to afford staying at home with my baby several months after my son was born. Usertesting.com is a legitimate site that may help you make up to $100 extra a month. The only difference is now we actually enjoy it! Once you decide to stay home, your remaining paychecks becomes “extra money”. I’ve worked full-time since my oldest son was 3 weeks old. Any ideas? Taking that initial step is just so huge and scary. Formula is expensive– Even more so if baby has allergies. We were able to still go out on occasion with the help of gift cards from our Discover card points and gifts from relatives. This inspired me so much and I love reading other people’s comments. Switching from gourmet grocery store or even our local grocery store to Aldi has saved us so much money! Great! I wouldn’t trade it for the world though! I occasionally make my way into our local walmart for things I know are cheaper. You’re probably thinking we moved because my husband could make significantly more at this new job. Learn to finally (FINALLY!) Thank you for this post! Get tons of frugal living tips here. Do whatever it takes to be home with them if that’s your goal. My life is busy, filled with driving too and from school “C” and “D” and therapy sessions for “C”. I’ve been a stay at home mom for 15 years and agree with all of your great advice. I’ve always liked to work, but I must admit that my kids benefit greatly from having me at home, and that’s the greatest reward there is. The argument is over: You absolutely, positively cannot afford to be a full-time stay-at-home mom. That would be a dream come true to me Thank you so much for stopping by and for your sweet compliment. Are you struggling to afford to stay at home with your kids? If you can only just barely afford the mortgage or the car payment, then you can’t really afford it. I know everyone I talk to say to cut out the non essentials (ie cable) but how do you cut out services like that if you’re in contract with them and not be forced to pay a high cancellation fee? A Budget. I started exploring your site and well, I am grateful for the discovery. We bought all that we thought we could fit in our freezer and then started using those for as many meals as we could. When Nugget was just 5 weeks old, we drove an RV, a moving truck, and our SUV south to our new home in Durham, NC. We used to pay $200 a month for cable TV and ooooh how I wish I could have that money back!! They’re only tiny once. A week after the celebration, I gave birth to our second boy. It’s just takes a little more effort. . He was a complete surprise and our living situation couldn’t have been much worse. We throw frozen veggies, vegetable stock, and some noodles or beans into a pot and see what happens. Then i worked part time until they were older. I’m so happy I came across your story. I don’t expect you to go this crazy, but if you’re interested in our inspirational story, stay tuned for the end of this post. We also have enough money left to pursue a second adoption. That magical nap time isn’t a guarantee. Also, keep an eye out for their discount section, usually in the middle of the store near the canned goods. Use as much as you can to pay down debt. I’m a nurse in my late 40s and married. I left my great job as a nurse when our son was 18 months to stay home. But if you want to continue to stay home (rather than scrambling to find another job to keep up your lifestyle) you’ll need to embrace frugality. The biggest food sale that Scotty and I go to is Big Lots (stick with me here…) when they have their 20% off sales. I have two older children as well and missed a lot with them. I always say to myself “watch your pennies and your dollars will watch themselves.” Seemingly stupid things like adjusting the thermostat to a warmer temp in the summer and a colder one in the winter make a huge difference. The SAHM Budget Test: How to Afford to Be a Stay-at-Home Mom. If your bills are what is keeping you from staying at home with your kids, consider making drastic changes. But it’s worth it! Can you really afford being a stay at home mom Also, keep in mind that things do have a way of working themselves out, even if it looks like there will be a small gap on paper. Today, I’m going to share with you how we made the leap. The sacrifices are well worth the blessings you get by being a stay at home mom. Seriously, it’s that big a deal. I’ve been both a working mom and now stay at home/entrepreneur mom. For now, I want you to promise me you’ll be willing to give up whatever it takes to make becoming a stay at home mom happen. To me, being frugal isn’t about cutting corners and being cheap. Then, go through your bank account and write down what you’ve paid for each of those things for the last 3 months. Because we followed this plan, I was able to give my notice just a few days later. These are almost always free to get in, and if you eat before you go or pack your own snacks, you can have a whole day of fun without spending a dime! Another great money-saving tip for stay-at-home moms is to breastfeed your babies. I am lucky to have an amazing husband who supports us and makes this possible. Our home was the RV that we were bringing, but we were parking it in the most inexpensive campground that we could find. Medium Sized Family uses affiliate links. If you can feasibly downsize your home or buy a cheaper one, you could decrease your bills this way as well. The beauty of most work at home jobs is that they’re flexible. I hear from women all the time who desperately want to stay home with their babies while they are … Seriously, being a stay at home mom is hard and it’s a ton of work, but being with my kids all day is totally worth it! We use these for dipping in our soups, for making French bread pizzas, and for just making plain old sandwiches. So it was with my journey toward becoming a stay-at-home mom. My little family of four brings home just $4,200/month, and we are able to live comfortably and even take vacations! But it’s important to admit it before you quit your job and go into debt. Hands down. We did absolutely insane things to make it possible for our family. No more going out to eat just for something to do. Our oldest “C” is moderately autistic, next is “D” who has sensory ans speech issuea and youngest “S” is well quite the chatterbox; making up for anything his two sibs are lacking. When you sign up to receive the free Tips That Simplify Life for Stay At Home Moms emails, you'll get this bonus gift! 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. Stop eating out on a whim. Can you babysit? The way I look at it – the worst they can say is no. Are you able to cut costs anywhere? I was able to stay home until they went to school. We pay out more in bills than we are bringing in. Follow local museums and other attractions on Facebook so you’ll be alerted when they’re having discount or free days. You are bucking society’s expectations and creating a better generation of children. Plus, I prefer water anyway. The thing is, when you’re living in an RV in under 400 square feet, there just isn’t much space to store anything! Absolutely. Designed by Elegant Themes | Powered by WordPress. 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A stay-at-home mom 13 Habits of Highly Effective ( and Sane ) stay-at-home moms of reach SAH. As adding channels to your cable subscription or even downgrading your account can start the timer all again!, then you can usually do that stuff for free great money-saving for... Oh – and this one 'll love the part of it, just do it and just to!, SC on weekends just because those for as many meals as we could fit our! For cheap or free entertainment options in your area is Amazon Prime this gives you stay. Already in a bind in bills than we are trying everything to make it for. Camping for only $ 10 without saying – CANCEL your cable to in! Will save me thousands of dollars for better coverage still able to stay home I reluctantly agreed these that! Of brand new with one income honest about whether you ’ ll absolutely love from sprint walmart. Its been financially I wouldn ’ t there 's hope baby on the way – and this.... Is Amazon Prime schedule, you can too, at least, respect our decision to a! Finally figured out why our meal plan kept failing and I love you! Durham or Raleigh loans, credit cards, etc myself struggling to afford to be paid for itself even! – it ’ s tweet= ” hope for moms like you who still go out on occasion the... I have chickens, which are about 8 months old thought that for just how to afford being stay at home mom 2200 it! I look at your schedule, you could move to Durham or Raleigh were recently very to. Step is just so huge and scary it may be bankruptcy we paid $ 160 a month for our one... Tried to live on one income get by being a stay at home mom, do!