As Seen on The Knot
  • Kelly

How to Be a Stay at Home Mom, and Still Save Money

Updated: 3 days ago

It's not easy when deciding to quit your job and be a full-time mom. I'm not saying deciding to spend every waking minute with your children is a hard choice.

What IS a hard choice is deciding to take your family from two incomes down to one. I won't lie, I cried over my decision to become a stay at home mom.

I was terrified of the what-ifs. But I knew that I wanted to be the one to comfort my child, should he awake from his nap and be afraid and need snuggling.

I wanted to make sure I was there for every single milestone. I wanted to make sure I could smell his sweet little baby head every day, all day.

And believe me, I do! I snuggle my son every chance I get.

But being a stay at home mom isn't easy. We still have bills to pay. We couldn't make it on just one income, so I needed to find some work to bridge the gap without sacrificing time with my family. 

Be prepared to get a lot of crap from people. I was a teacher, and I basically heard that I already worked short hours as it was, so why even bother to quit? 

Why quit? Because those "short hours" were hours away from my son. I found myself actually ADDING the hours I'd be away from him.

And know what? I didn't like the number I saw.

Now, I am by no means saying anything bad about daycare. I was in daycare as a kid and I had a blast. But my mom was a single parent and didn't have a choice.

My husband and I do have a choice, and our choice is to cut back bills. Big time.

Get Ready To Cut Expenses

So go ahead and make a spreadsheet of alllllll your monthly bills. And start slashing. 

Cut expenses where necessary. Do you really need Netflix AND Hulu AND Disney Plus?

We got rid of any unnecessary expenses and got back to basics.

Also, cook. Getting takeout or going out to dinner is a nice change of pace but it adds up quickly.

Try and go out once a month for a special treat and eat home the other days. 

Next, find a side hustle. I teach English to kids in China a few hours a week.

But being a full-time SAHM also allowed me to pursue a second career. How cool is that?

Like, a legit second career that I LOVE. I'm a freelance writer. I write for some of the coolest companies in North America. And I blog.

And the best part? I get to do it with my son sitting next to me, watching Open Season for the 8,765,432,100 time. 

Win win.