When I was pregnant with our first son, I was teaching at a school that I loved. I was enjoying working and loved the children and staff that I worked with every day. With all of that said, I knew that I wanted to be a stay at home Mom.
I was going to have to learn how to become a stay at home mom on one income. As much as I love teaching and working with my students, I knew that I wanted to be a stay at home mom even more. I knew that I could afford it, with a little work on my end… saving and trying to supplement Mickey’s income. I knew that it was going to be hard.
Since I first made that decision years ago, back in 2006, our family has grown…
We now have four children… 3 boys & a little girl. (you can read about them here)
I knew from the month that I quit that I loved being a stay at home Mom. I missed my students, don’t get me wrong, but I loved being home with our children. I knew that one day, I could choose to go back to work, when our kids were in school. Quite honestly… as a teacher in North Carolina, if I worked and put four kids into daycare, I would be making little to no money each month, after I payed the preschool bill.
I work in the evenings on my blog (you can start on here). I love writing and I earn an income doing it, which allows me to stay home with our children…
So.. How did I go from working full time, as a teacher, to being a stay at home mom? Let me tell you…
Today I want to share a sneak peek of my book, You Can be a Stay At Home Mom on One Income {money saving tips}, where I talk about making money from home, among other things.
- DON’T GO!
Don’t go shopping for things that you don’t need! If I go to the store, I will be buying things. Of course, I love to shop, but shopping with young kids is a challenge in itself, so that is enough of a reason for me to stay home or do something a little more kid-friendly (and free!) - SAVE ON GROCERIES:
If you are thinking about grocery shopping and saving money, you will want to refer to this post that I made earlier: saving money on groceries- 10 steps to save you a LOT of money at the grocery store, without coupons.
- SHOP DURING SUPER DOUBLES.
I do use coupons when our local grocery stores offer triple coupons (they triple the coupon amount) or super doubles (where the store will double your coupon up to $1 now, so if you have a $1.00 coupon for toothpaste, they will double it to $2.00, making thetoothpaste free.) I get most of our toiletries completely free using coupons. I also get baby wipes for free, snack foods, cereals and many times juice and other food items for free and a lot of other items, too (make up, medicines…) - GATHER COUPONS.
I get my coupons on Sunday (usually from my Mom and my husband’s parents) and I file them by date in a little file-folder box. I wait for the great sales and I start clipping them. I didn’t want to go into how I coupon, because this post would be WAY too long, but I do explain it in my e-book. - Shop only on sale
I NEVER would pay full retail for anything. Getting a great deal on your car- If you are not afraid of a base model, you can get a great deal. My husband loves cars, but we have to be practical. We can not spend a ton of money on a car that will depreciate the moment it leaves the lot, while we have four growing children at home that are getting MORE expensive as they get older. We normally buy either a (well-kept, low-miles) used car or the new car that they were trying to get rid of because it is a manual instead of the automatic. Getting a stick-shift will save you thousands on a car purchase, if you can drive one (trust me, it is easier than people think!). - CLOTHING & SHOES:
I stack clearance items with a coupon. (Kohls has so many sales of 75% off on their clearance sections. Match that with the 30% coupon that comes in the mail and you’ve got a great deal!) Our kids all got new tennis shoes for $22 total (They were about $7-$10 each on sale and over $60 each at full price, so we saved over $150). They had their tennis shoes on clearance at our local Kohls, so we just went in and found them and added our 30% off. Our kids shoes DO NOT last long in this house- they love to play outside and run around, so getting a good deal is a must when they only last a few months (not to mention how quickly little feet grow!) - SWAP:
Also, try having a clothing swap with your friends! It will save you ton of money and everyone loves it! It’s a win-win
- KIDS EAT FREE:
I also take advantage of the KIDS EAT FREE restaurants. There are a TON in our area! If you are looking just search: “Kids eat free restaurants in YOUR-CITY-HERE”.
- FREE ACTIVITIES:
The local libraries offer PLENTY of great activities for kids! Our library has Mommy & Me classes, as well as “drop off your child for an hour class”. They are all geared towards learning and socialization. - Along with libraries, if you look around, you will find a lot of great, free places to take your child. Look up online “Free kid activities in YOUR-CITY-HERE”. I’m sure you will be amazed by the amount of free things that you can do every week in you area.
- Free coloring sheets and activities at home. Here is my free Potty Training Coloring Book that you can download by clicking on the image below.
- TOY SWAP:
Have your friends bring over their “not played with anymore” kid toys & you all just swap them out for each others toys. (This is best to do when the kids are not around to say “WHAT?! You are giving away the Barney toy that I have not touched or looked at in three years? That is my favorite toy in the whole world! You can’t give it away!” See more on Hosting a Toy Swap Here. - PRESCHOOL
Have your own “Preschool” with friends: The above activities (find more activities here), paired with a few play dates and lessons from you at home can easily replace preschool, in my opinion. I think preschool is great when your child is about to enter Kindergarten, but if you can save during the years prior… do it. You could even find a free Mothers Morning Out program- I was in one years ago where we just all had our kids at a local church (8-10 kids at a time). Once every six weeks, I would be the “teacher” of the kids. During the other five weeks, I did not have to be there, because someone else was the ‘teacher’. You could easily arrange this with a few friends. Find a local church or swap houses each week. - That being said, I sent our kids to preschool when they turn four, but that is not to say that I did not heavily debate keeping them home to teach them during the preschool years. In the end, I decided to send them. I wanted them to be fully prepared for school (not academics, but socially & in the aspect of how to listen to their teacher, etc…) Sunday School is great for this, too. PS- here is an older post that I did on the average age to send your child to preschool.
- FREE Date night:
When we have date night, it is normally at home. If we have to go out, my parents will watch our kids for us, but we have our kids in bed by 7:00 on most nights, so we normally don’t have to go out anywhere because we have plenty of time to ourselves in the evenings.This eliminates the need for ‘date night’ since we can have a ‘date’ at home every night- we play board games or card games some nights. We rent movies at Redbox (sign up on their website & they will send you codes for free movies). On special occasions, my husband will run out after the kids are asleep and pick up dinner (Chinese food, anyone?) and I will feed the kids earlier – here are some easy meals. (If you want to find out how important eating dinner as a family is, check out this post on “dinner as a family“. )
- CREDIT CARDS:
We do not use credit cards, unless we are sure that we can pay off the full amount when the bill comes. We have a few that we can pay off over several months, during one of the “12 months free financing (pay no interest for 12 months) This means that we can buy something (example: material to build a porch at Lowes) and have it paid off before we get any interest- we pay it off at least two months before the interest rates kick in. Most stores do this.To name a few: Best Buy, Lowes, Home Depot, Ashley Furniture. JUST MAKE SURE THAT YOU CAN PAY IT OFF IN FULL A FEW MONTHS BEFORE IT IS DUE… BETTER SAFE THAN SORRY. They will charge you interest on the entire purchase price if it is not paid off in full first. - Credit cards make it too easy to say YES when you should say NO. I have family member that will pay everything on their credit cards to get the points, which is a great way to go if you are disciplined enough to keep track of all of your spending. You need to pay it off in full when that bill comes in. Raising a large family without stress would be hard to do with the weight of debt on your shoulders!
- KID ITEMS:
Buy used! Do you know how quickly kids go through things these days? I love to shop at our local consignment sales or to buy things from friends in my Mommy Groups. It is a great way to help other moms and help myself. In the end, we have both had a financial gain: I save 75% on that toy & they gain 25% back of what they paid for it originally.
- DIAPERS:
Diapers are a huge expense, so I potty trained our kids early! I trained my kids early, at one year old (around 20 months). I wrote a book about how to train them in three days (over a weekend). It has so much information in there, so I know that anyone can have their kids trained in a weekend. If you would like to read it, you can find more information on it here: POTTY TRAIN IN A WEEKEND.
- CARS:
I actually had my Dad write a full book on this! This book has such great info. (My dad is a scientist that has worked on car safety for over 20 years. He knows so much about getting the best price for the best car!) Remember- it is the OUT THE DOOR price that counts, not how much you will pay every month!
- Make Money:
You can make money on all sorts of ‘online’ places! You can be a ghost writer and earn an income writing anonymously, rent your things out (house/cars/boats), sell used toys, sell furniture that you buy cheap or get for free and fix up- I do all of this on online groups. If you have a talent, use it! Tutoring? Sewing? Writing? Crafting? Or start a blog and teach others how to do it (they’ll pay you to do it!) I know one woman making over $60,000 teaching people how to knit on the internet.However you save money… remember the reason…♥
For more posts, sign up for my weekly newsletter here.
..
For more money saving tips, You can purchase this ebook for $9.99: You can be a stay at home Mom
Regina says
So glad to have found your blog! Wonderful out look on saving money which is always needed in this home:)) Love Love your bloc:))
Your Modern Family says
Great- welcome!
Jennifer Freeman says
I just bought the potty training in 3 days book (PDF) for $10 and it will not let me download it. Is there something else I can try??
Becky (Your Modern Family) says
Sometimes certain browsers will not allow it to download, but if you e-mail yourmodernfamily@gmail.com, I can attach it to an e-mail for you. 🙂
Abigail Cappel says
Thank you so MUCH for sharing this with everyone!! It really does bring perspective to some things I need to watch out for!
Abbi
Rosey says
What a great list of tips for anyone, including SAHMs.
Leslie says
All fantastic tips, thanks for sharing!
Thanks for sharing your favorite post at Raising Imperfection! We feature our favorites on Friday, make sure to come back and check.
Leslie
Dawn says
Great information! Love the blog and how informative it is. We too are a single income family. It’s always great to see how others make it work.
Lanaya @ Raising Reagan says
Such great tips! I was just at Kohls today because Reagan needed some shoes ~ I LOVE using the 30% off coupons on clearance items! Best time ever 🙂
Thank you for linking to Raising Imperfection.
Please come back Friday to see if you were featured. 🙂
¤´¨)
¸.•*´
(¸¤ Lanaya | xoxo
http://www.raising-reagan.com
Julia Forshee says
I think this post on helping women who want to stay home do so, is so beneficial. Often we get stuck in our ruts and have a hard time thinking outside of the box. I recently started a Thursday link-up party (yes, today:), and I would really love to see this post and/or any others you would like to include. I am at allthingswithpurpose.com. Hope to see you there!!
Kinsley says
Hey! I found your link at Six Sisters’ Stuff! Unfortunately I don’t have any tips on how to be a stay at home mom because I don’t have any kids yet. However, I appreciate your advice a lot because I want to be a stay at home mom as well! Thanks so much for your tips and I’ll keep them in mind when I start a family! Please come by my blog Home | Styled and follow me if you see something you like!
Mums make lists (@mumsmakelists) says
Some great ideas here – Alice @ Mums Make Lists
Alison Wood says
Great ideas. I have used all these tips to stay-at-home and I love being there for all my six kiddos. Children are truly treasures and having the time to clean, cook and help my family is priceless!
Visiting from Pint-sized Treasures
Your Modern Family says
Alison- I completely agree!
Dana says
Great advice! We have an Amex credit card that we pay in full every month, and I use it for everything. It’s a free cash back card, so when we want to make a purchase that we didn’t budget for, we can apply the cash back toward it without messing up the budget. It takes discipline, but it works!
Laurie @ Simply Creating Home says
Wonderful tips! We followed many of these while raising our daughters. One of the best things we ever did was start an emergency fund with the little bit of money that we could tuck away when I was pregnant with our first. It gave us a lot of peace to know that we had money set aside for when the inevitable, like the car or washer breaking, happened. Thanks for sharing your tips!
Heather may says
Great tips!! I recently became a work at home mom…we live on less now but are happier..and have more in savings oddly enough! i am hosting today at my site http://www.frugalfitfamily.com – swing by if you can!
Susie @Bowdabra says
What great tips! Thank you for sharing!
New linky: http://bowdabrablog.com/2013/03/23/crafty-showcase-link-up-anything-fun-in-the-craft-project-linky-6/
Have a super week! Susie @Bowdabra
Meghan says
Hi! I was just wondering how you got a job as a “play therapist”? I am a stay-at-home mom who used to be a Speech Therapist. Ever since I’ve had my kids, I have realized that I do not want to be a Speech Therapist. The job is too stressful, too intense, and too demanding; however, I would like to contribute financially to our family, and feel good about myself. I feel like my speech therapy degrees have been a waste b/c it seems as though it has been all or none for me- be a Speech Therapist or my degrees cannot get me any other job. Just wondering if you have any suggestions for me. Thank you!! 🙂
Your Modern Family says
Meghan,
Our son used to get play therapy (w/ OT, PT & speech) as an infant & when he was one, I decided to work towards it. I contacted the company that worked with him (Amazing group of people!) and I was able to use my degree in elementary education to get started. I now have my play therapy certification. If I were you, I would just start calling a few places (easter seals is a good one, but there are a lot of smaller ones, like ours). Just call your located Early Intervention office (ours is the Child Developmental Services Agency) and ask them for some referrals for companies that provide Play Therapy. I would write them down & just start calling to find out which ones are hiring & what you need to work there.
It is the best job! I love it. The kids are always great and I make my own hours. I feel so blessed to have found it!
I hope that helped!
Becky
Kim says
I do a lot of these same things with our brood. Great tips and great advice for all of us to stay out of debt.
One thing I have tried and was not in love with was restaurant.com. I felt like there were not great restaurant choices and the stipulation of spending a certain amount caused me to spend more at a restaurant than I would have normally so that I can get to the coupon amount. Sometimes these deals are not worth it. However, we have bought many groupons for restaurants and we find that to be a much better deal for us. Once you buy it there is no further cost necessary unless you decide to spend more than the groupon amount.
Also, I have 4 very active kids (3 of which are dirty, rough and tumble boys), and I have found that if I spend a little more on their tennis shoes they last much longer. We only buy nikes. I have tried EVERY brand out there with my 11-year-old and nikes are the only ones that hold up. What we do is go to a place like shoe carnival that is constantly doing a buy one get one half off sale and buy the kids their shoes. Here they are cheaper than a department store to begin with and then with the other sale on top I can get a great deal on great shoes. I only buy them new tennis shoes before school and then again in the spring. I actually save money by buying less cheap shoes through the year. Once my kids get a new pair of shoes their old pair becomes their outside run around pair and the new pair is for school/around town. I totally agree that you should shop on sale and not pay full price, but sometimes a deal is not a deal if you are replacing a lower cost item more often.
Your Modern Family says
I agree w/ you on the shoes. (We like real crocs b/c they last so much longer than the knock-offs.)
OH- and rest.com… we like a pizza place (local), Tonys, and it is usually on there, so we love using it for going there. We can all (extended family included) get a GIANT pizza using this & its enough for everyone. 🙂
Thanks for the great tips!!
allison m says
One thing we did before i officially quit my job was live off of one income 2-3 months before my last day. Any money I made we put into savings. After I quit we had money in savings and realized during that time that we would survive living on one income.
Your Modern Family says
We did that, too. Great idea!
Terri says
This is a great idea!!! I have a 7 year old and a 2 year old and hopefully more children and for a about a year now we feel God pulling me as a Stay at Home Mom. I have always worked so this will be a difficult decision. We will definitely be doing this before we take the plunge.
Thank you!!
Becky (Your Modern Family) says
good luck!
Sarah says
Great tips and put most of them to use already…trying to figure out if it’s possible to live off of one TEACHER’S salary :/ Not sure it’s humanly possible, but I’d sure like to try.
Your Modern Family says
Sarah- You can do it for sure. I’m sure you’ll find a way. Try to do something part-time, at home (transcriptionist or something,maybe) I have a few friends that live off of one (teacher’s) salary. 🙂
Brittany @ My Decoupaged Life says
It is possible! My husband is a teacher for a charter school, meaning he makes even less than public school teachers, but we make it work. The biggest thing is financial priorities and knowing what’s important and what isn’t. We don’t have cable and just make do with our antenna. Any shows we can’t see we watch online. We just barely got Netflix last month because it’s only $8. Right now we have only one car, which can be difficult, but is possible. We do plan on getting another, but it really has saved us a lot because I can’t go anywhere to spend money! We live in a modest home that fits our needs. We work hard to save on groceries and try to only shop twice a month (we take our budgeted grocery money out of the bank so we stick with it…once its gone, it’s gone). This also makes us plan our meals more accordingly to what is in our pantry. We try not to spend money unless necessary. I do day care out of our home but we put all of that money in a savings account. It can be tight but I promise it can be done!
Your Modern Family says
Love your encouraging words! 🙂
Margaret says
Great tips, I am not a stay at home mom but a wanna be stay at home grandmom! Great tips. I am having a problem with eating out. Well I work but if I was a stay at home I would have more time. But I have worked for many yrs and cooked for many. I am a semi-retired cook now. Visiting from Aloha hop
Living F.A.B.ulously on Purpose
katie says
I found a great company that focuses on green living and being able earn an income staying home with your kids. Take a look at http://ymf.momsprovide.com.
Becca says
I know a lot of you will be mad at me but oh well, this is my opinion. I don’t think it’s fair if you’re working to just stay at home with your kids not bringing in any income. I’m a big believer in marriage being a partnership, and unless your spouse is rolling in dough, I don’t think it’s right to leave all of that stress and responsibility on him. You should do your part to help the income of the household. This isn’t the 50s girls, c’mon now. No matter what anyone says I’m going back to work full time after I have children, because that is what my mom did and she still had time with us after school and at night. I love working and I know I would go crazy being at home, busy or not. Sorry if I made any of you mad but then again, this is MY opinion. I wished others shared it
Renae says
You certainly have a right to YOUR opinion as I do to mine. Im sure no one is mad. I think it is MY job to stay home and raise OUR children, not daycares or a babysitters, and my husband loves that Im home with the kids. I love being the one that takes care of my family and our house full time. I dont think a job is nearly as important IF I GET TO CHOOSE and I know sometimes we do NOT get to choose if we work or not, I have definitely had to work. Fortunately, we cut back a little here and a little there and I get to stay home, we would not have it any other way.
https://www.yourmodernfamily.com/how-to-become-a-stay-at-home-mom-on-one-income/ says
In response to previous poster… Emphasis on the “when I have kids” part….You’ve got it all figured out before you have kids, do you??
Please understand that your opinion on family dynamic extends only to your own family, which as you pointed out does not yet exist. To project your opinion on how others live their lives’ is called judgement.
Dee says
I just love how women who have no children have an opinion about working moms or sahm … How about you reserve your opinion until you actually have children because you haven’t a clue …. smh , From a working mom …
Lj says
In response to the previous commenter: In our family it wasn’t that I had to be the stay at home because I’m the woman. We were both unemployed and it came down to whoever got a job first would be the working parent and the other would be the stay at home. Contributing to the family doesn’t always have to be monetarily and in our case (2 special needs kids) one of us HAS to be the stay at home. You may think that being a stay at home is backwards but it’s not. In some cases it’s a neccessity. One question for you though … Since you don’t have kids yet … what facts are your opinion based on anyway.
Angel says
daycare/dayhomes are very expensive, unless both you and your spouses jobs are well paying one of you will be working just to pay the babysitter. Hey, do what suits your family. moreover, if you know that you are not cut out to stay at home, don’t. but a partnership does not mean exact separation of exactly the same duities. We are partners whoever works and whoever wipes more bums. The work does not care who does it but I think it sounds like you have a chip on your shoulder about ‘woman’s work’
Heather says
In reply to the last post: Well it may not be the 50’s but, I quit my full time job where I had my own office, to raise our children when my son was three months old. I know many people don’t have this option and for us at the time, it was a big risk, but it was my hearts desire. I did not want my child’s first smiles, crawling, walking wasted on other people. I wanted to witness those things. I couldn’t in my right mind leave my child to be raised by other people and only spend three or four hours a day with them. My oldest is now four, and I wouldn’t change a thing. I love being home with my kids, its where I know I should be. When my kids are school aged, I will return to work, but I’m not gonna be the mom that misses practice for a meeting. And you know what, what the hell was wrong with the 50’s anyway? How about that for some food for thought? By the way, I support my husband by taking care of the needs of our home and children.
Kathy says
Great tips! Definitely worth referencing again. I’d love to have you link this to Titus 2 Tuesday this week on Cornerstone Confessions.. This is right up the purpose of Titus 2. I hope to see you there.
The Pinterest Housewife says
Hi! Visiting from A Bowl Full of Lemons (Link up)! I am so glad I found your page. You are definitely an inspiration. I am a SAHM, too. Mother of 1. I’ve never knew about Restaurant.com. I’ll have to check that out! Thank you for sharing!! New follower here. 🙂
Your Modern Family says
Welcome!! 🙂 I’m glad that you liked it!
Jennifer Ballance says
Can you tell me the web address for the children’s educational resources. I am unable to click on the link. I loved reading this. Thank you, Jennifer
Your Modern Family says
emailing you. 🙂 sorry- I fixed the link!
Stephanie says
To the person who posted this is not the 50’s, staying at home is actually making a BIG contribution to the family. I am currently working and we have one child. Recently I found out I am expecting and the first one to mention that one of us should stay home was my husband. It almost doesn’t make sense financially for both of us to work. We spend so much by both working (daycare, gas, food) and we never have time. I wanted to stay home since my first was born but I was always telling myself I just need to give it a try. By the time the second one arrives, hopefully I’ll have gotten the courage to quit my job.
Christina at I Gotta Create! says
Great tips!
Thank you for partying with the Wildly Original Crowd.
<3 Christina at I Gotta Create!
Your Modern Family says
I was completely confused about it! LOL. I didn’t realize you wrote it- I thought you just linked up in 5 minutes until a friend told me. 🙂 Next week… 😉
Rebekah says
southern Savers is an awesome site but she only covers the south. I’ve found bargins to bounty does a great job in the north, they are as easily laid out like Jenny but it gets the job done, especially for meijer shoppers. 🙂
Your Modern Family says
Good Advice!!
Renee says
Exactly. I live in ca in an area where no stores offer double or triple coupons. I would love to use them to get our toiletries for free! For now I just stick to store brand which is cheaper than I can get name brands with coupons usually
Jen Stults says
It must be the week for frugality! I just wrote a similar post on living on a single income (we also have four children). However, you’ve included some ideas that I didn’t think to include, such as using restaurant.com, etc. Great tips! 🙂 I’m visiting from pin-it Tuesdays.
Your Modern Family says
🙂 Thanks! I’ll have to check out yours, too.
Miriam says
Hi new follower…I’ve been a stay at home mom now for 3 years I have 2 kids and I know the feeling I only shop if I have to and I use a lot of coupons and I bargain shop funny I remember when I had one child and was working I never really worried of much about money and barging shopping but now with 2 kids and only one income and living in one of the most expensive state to live in I now do all the things you do
Your Modern Family says
glad to have you! Good tips!
Jenn McCullar says
Great tips, love the toy swap idea too.
Your Modern Family says
thanks!
Shauna says
What great tips… Hubby & I have separate accounts and a joint one… so every month he gives me a set amount that goes in my account… I can use as I wish without feeling like he is looking over my shoulder… then if I do need more money, he can transfer it into the joint acct… it works for us
Your Modern Family says
Good idea. We just keep ours together, but I handle all of the finances (bills, shopping, etc… ) and the funny thing is that he is a finance manager & was a finance/economics major in college. 😉
Katherine says
WOW Tons of great tips in here! We did many of these when we went from 2 to 1 and it makes such a huge difference.
Jenn says
Great tips! Thanks for the links. I will be visiting past blogs
tabitha vos says
There is some great tips here! Thanks for sharing!
earthlingorgeous says
Yup yup never go shopping something you don’t really need! great tips you wrote here. Very useful.
Stacy says
Wow! So much information. I wish I had had all these resources when I was raising my kids, but there is still a lot that is helpful. I’m going to pass your link on to others. 🙂
Visiting from the UBC.
Your Modern Family says
Thanks!
Katrina says
Good list of ideas…..nearly weep at the mention of coupons….no coupons here
Your Modern Family says
haha!
Wendy Baudín, Self-Love Sherpa and Wisdom Guide says
What awesome and great information Becky. My children are grown now but now it’s their turn. I will definitely share this with them. Such wonderful insight and tips. Your post is so helpful and just packed with cool ideas. Thank you.
So nice to meet you….fellow Ultimate Blogger.
Your Modern Family says
Thanks! Nice to meet you, too!
Aida Ingram says
These are some fabulous tips. Thank you so much for sharing…..I do a lot of the things that you suggested, but there are always things you know, but don’t practice. Thank you
Your Modern Family says
I’m glad that it helped!
Your Modern Family says
Agreed!
Deanna says
Super, super tips. I know alot of Military Spouses that would love your blog! I’ll be sharing this post. Thanks for taking the time to write it!
Your Modern Family says
Thanks so much, Deanna!
Barb @ A Life in Balance says
We’ve do a lot of cooking from scratch plus a huge vegetable garden for at least 14 years. I also accept any and all hand me downs from friends and relatives just in case. My boys go through sweat pants very quickly, and my one girl can be especially picky. My teenager didn’t care so much before about his clothes; now he does.
hati berlemak says
Hello there! Would you mind if I share your blog
with my facebook group? There’s a lot of folks that I think would really enjoy your content. Please let me know. Thanks
Your Modern Family says
Of course! Thanks!
Swapna says
I am a stay at home Mom too and liked how you have compiled so many tips in your blog. I also like to get some services on Barter system which helps saving good amount of money. I am glad I found your post on Mom mixer.
momstheword says
Great tips! We enjoyed many activities at the library when the kids were little. In fact, a couple of the librarians got to know us by name, lol!
We DO have a credit card but we pay it off every month. We use it to build up rewards. We used to pay cash for everything in order to easily stay within our budget. Now we just pay with our credit cards, but you have to be careful to stay on target or you will easily go over your budget!
Your Modern Family says
Good point! 🙂 That’s a tip that I shared in my book (about earning the points). 🙂 My brother & sis-in-law do this, too. (even their bills go on there).
Brittnei says
This is an awesome site and a great post! I made sure I pinned this one to our Mommy Monday Hop for sure. I am happy to say that I’ve been doing so much of this stuff already! My son is 16 months and we are prepping him to potty train within the next month too using the 3 day weekend method. So glad we connected. I’ll be coming back to your site to get more tips! Thanks so much for linking up with us! 🙂 Following you now on social media
Your Modern Family says
Thanks, Brittnei!
Kristina J. says
I don’t think that Moms should ever stay home. Don’t you think that you are teaching your children to not work? Don’t you think that teaches laziness? I am pregnant with our first child and I will only be taking 6 weeks off before returning to work. I will be able to provide more if I am working, teaching our child that working is important. What does staying home teach them?
Alix says
In response to last comment: What a horrifying attitude. Children need their mothers at home with them. There is no appropriate replacement for a mother. Children will see you work IN YOUR HOME. Just because I don’t dump my kids off somewhere for 8 – 10 hours a day everyday, so that I can go work for someone else, doesn’t mean I don’t work. My job consists of washing clothes, and dishes, and cleaning, and caring for my precious babies, and even if I didn’t run an at home online business (which I do), I would still be perfectly able to say that I WORK. I work HARD. Don’t look down on stay at home mom’s as if they were lazy people who sat around all day doing nothing. We are doing the single most important job in the universe; raising our children!
Katryn says
In response to last comment: Learning how to run a household is work. Once upon a time it was even valued. Valued so much, in fact, that the rich paid people to do it. Oh wait, they still do. From keeping a budget, to cleaning, to cooking, to possibly homeschooling, being a taxi driver, a nurse, a therapist, well…the list is endless actually. I think that teaches our children a lot.
My circumstances do not allow me to be a stay at home mom. So, I am teaching my girls (ages 15 and 17) that moms contribute in anyway needed which includes working outside the home if need be. While they were younger I was able to stay home with them and I am very grateful for the time I had. I don’t want other people teaching my kids things that I should as a parent.
Just my own humble opinion though.
Kristi D says
In response to last comment: Wow. This is a pretty broad assumption. I personally left my career as an educator to stay at home to be with my three children, ages respectively 4, 2, and 5 months. I LOVED my job. I still miss it some days. I miss making an impact on their lives. I miss being their ‘favorite teacher.’ I miss hearing the words, ‘Hi, Mrs. D!’ But once you become a mother, and I’d stretch to believe that you will see what I mean once your heart starts existing outside of your body in the form of your own child, that you will long for them throughout the day. You will want to hold them, touch them, smell his/her little head, kiss their cheeks ALL DAY long. I know, because I went back to work after my having my firstborn. But you know what – SOMEONE is teaching your child. Someone will be teaching them to use manners, sing their alphabet, pick up their toys, stack blocks, wave ‘hello’. Someone will do those things while you are working, and that is a full-time job. Motherhood (the right way – meaning you’re NOT being lazy or neglectful) is challenging. I am exhausted – far more than I ever was while ‘working.’ Mothering requires alertness, stamina, patience, knowledge, compassion, wisdom, and more. I rarely sit down before 9 pm; there are no restroom or lunch breaks. I have to be their counselor, their driver, cook, maid, TEACHER, life guard, soccer coach, librarian, crossing guard, potty-trainer, safety net, and guide. Every single thing that I do and every word that comes out of my mouth is teaching them something – and growing or damaging their character at the same time. Every single moment is a teachable one, which is why my 4 year old knows nearly every animal, how to write her name, count to 20, knows her address, can fold clothes, knows how to measure, and can point out a ‘waxing gibbous moon’. My two year old has dressed herself since she was about 18 months, is potty trained, speaks in fully developed, intelligent sentences, and can even pour herself a glass of water. If you think that you child will just pick up on these things naturally, there’s a pretty good chance you will be mistaken. Your child will learn what you teach them. We talk with our children often about jobs and what the people around them do for a living and why it is important. Our girls can probably explain, in detail, what their dad does for a living and that Mommy’s job is to take care of them, and take care of them well. I don’t want the world teaching my kids what they should be learning at home. Sadly, the time my husband gets to spend with them after a day’s work is so little, that all he wants to is enjoy them – snuggling, wrestling, talking about their day… Not much time there to teach a whole lot, if you are talking formally. I could go on, but I won’t even get into speech development, phonics, word recognition, social cues, life skills, fine and gross motor development… The list is long, so just hang on before you go jumping to such a negative opinion of what it is that is done in the home. You are that child’s everything. Blessings…
Rebecca Bryan says
In response to last comment: You’re right. In your case, you should let someone else raise your kids.
Hana says
Hello so many great tips, but I am sorry one negative comment form me….right when I opened your page the feeding bottle was looking at me. The best tip I can give to all moms is breasfeeding :O). Can you change is into a lovely breast :O). THanks and keep up the good work. Hana
Your Modern Family says
True, but just because its a bottle doesn’t mean that its not breast milk- I exclusively pumped & breasted two of our kids from birth through age 1. 🙂
Danielle Riley says
I found your blog because a friend of mine pinned it, and now I’m following you on Pinterest and will on facebook too! I am currently expecting my second (due in January) and my first will be 4 in February. I am VERY tempted to buy your book to see if our family could live on one income. Neither of us are good at finances (that’s why we pay everything on auto-draft), but my husband has wanted to be a stay at home dad since the beginnning. I would love for him to do it as well. As much as I love my family, I get enjoyment out of working and having something that is for myself, and I still get plenty of time with my family. But he really wants to, and I would love to find a way for him to do it. I make less than he does, and we’ve crunched the numbers before and it was just not possible. But I’ve been thinking lately that I should revist this idea to see. I feel like we already cut back everywhere, but truthfully I know there are more places we can cut and it would really be up to us to make a few sacrifices and MAYBE it could work. We make very little money [less than most teachers I know ;)]
Danielle Riley says
Also, forgot to add that I have a few friends who were/are sahms and they used cloth diapers and claimed they saved a TON of money! That was never an option for us with the first because he was in daycare and they wouldn’t give us the option, but I would’ve tried it if they would’ve let us.
Your Modern Family says
I never tried that either – we always just bought disposable ones (lugs). I trained our kids early (18-23 months for our three boys), so I felt like training them early saved a lot of money. 🙂
Your Modern Family says
Welcome!! 🙂
Jessica says
Love this!
Alyse Renee says
We don’t have kids (yet), but these are just great money saving tips!!!
Katie says
Sahms are so very important! A tip from me- try seeing if any of your friends need child care, even for a couple days a week. I watch 2 other kids for 3 days of the week in our home (as well as our own baby) and it’s a win win. The kids get to play with each other, and my friend knows her children are being well cared for. And we get extra money in the bank! It’s a great way to still get to contribute financially, but also get to be at home with your children.
Becky (Your Modern Family) says
Great idea!
Jewel says
Great tips for an expecting mom, who although will probably go back to work full time, is planning on a long maternity leave.
With that being said, incase I would ever decide to stay home, do you have any tips on saving for retirement and/or college on one salary? I worry about those two things so much!
Becky (Your Modern Family) says
I do, too, but we just put all that we can into our 401K (my husband’s company matches it) & into our money market. We have 4 extra money markets (one for each child) on top of our own money market.
Amber says
Almost forgot to leave a comment you have so many interesting links and I found myself with 4 different of your other blog posts open in the browser as well. Such great information! I would love to be able to stay home with my new little guy! Thanks for sharing!
Becky (Your Modern Family) says
haha- too funny, Amber!! Well I’m glad for that anyways. 😉
Ashley Z. says
I’m not a mother yet, but when I am I want to stay home and this has some great tips. My husband and I are trying to budget right now to prepare ourselves for hardships in the future, and there are some great tips in this. Thank you so much for sharing!
Becky (Your Modern Family) says
Oh, I’m glad you found it helpful.
Natasha In Oz says
Lots of great tips here-thank you so much for sharing them! I love the idea of a clothes swap.
If you have a minute to spare I’d be thrilled if you could link up your post to my weekly Say G’Day Saturday party. It has just started and this would be a great addition.
Best wishes,
Natasha in Oz
Becky (Your Modern Family) says
Sure! 🙂
Kalee says
I absolutely love these tips, and it is so great that you are teaching people how to make their dream of staying at home with their kids a reality! I had never thought about doing a toy swap or restaurants.com! Great ideas!!!
Becky (Your Modern Family) says
Thank you!! 🙂
charter cable tv says
Awesome post.|
Tam says
Fantastic post! I need to work on my discipline in terms of putting these into action. I am particularly interested in how you got into blogging and earning money doing so. I love writing and have been writing various “fun” things for almost 20 years, it would be wonderful to take something I enjoy and use it to supplement our family income. Currently, I’m home with our DD and trying to juggle her needs while completing my degree.
https://www.youtube.com/watch?v=veOedqZ_I7M says
You really make it seem really easy along with your presentation but I in finding this matter
to bee really something which I believe I would byy no means understand.
It sort of feels too complex and extremely wide for me.
I am taking a look forward for your subseauent publish,
I will attempt to get the cling oof it!
Melly says
I’m not sure where you live, but where we live many of the things you mention in your post are not available. Our libraries do not have anything like what yours does. Restaurant.com has one restaurant in our area with a minimum 50.00 dine in purchase. Kids eat free has nothing in our area. Stores around here stopped doubling and tripling coupons years ago.I’m glad you’ve found things to help your family, and that you can make a living off of blogging. These things aren’t going to work for everyone. We don’t all live in an area where there are lots of good things available. Also my guess is your husband makes good money. If I didn’t work we’d be on welfare.
Mrs Miranda Bethany says
Good Day.
Do you need a financial help? Are you in any kind of financial mess or you need funds to start your own business? or to pay off your bills or start a good For More Details Contact us on our via email: mirandabettanymotage@gmail.com
AG says
Great article!
I tried all kinds of ways to make money online
What works best for me is koocam
I teach my hobbies and share my knowledge for profit
It’s great !
Dr. Timothy E. Bates says
Dear Becky,
I agree with many of your aspirations, and I am glad you can live your life in the the the particular part of the U.S.A. (and with the support of your parents) in the way you wish. However, here in the U.K. (with the incredibly high cost of living/housing/cars, food [we do not have “coupons” in the way you do in the U.S.A. etc.), many of the money saving ideas you have suggested, simply do not work (here in the U.K., and mortgages are only really available to the vast majority of people when both partners work (as mortgages are worked out on 2 peoples salaries and not one).
I am interested to know what percentage of your total family income goes on your mortgage for instance? Our has been over 50% of our total family income for many years.
In addition, you are incredibly privileged to have parents that are local to you and can help with the child care. We have raised out two children with the nearest relative being over 100 miles away for most of the past 31 years, so no help there, when it comes to taking or picking up after school.
For the 1st 8 years we were married, we could not even to run 1 car, due to the high price of petrol (gas) and the high cost of insurance in London (where we were living).
Your blog is nice and I reiterate, I agree with the little that I have read (in terms of aspiration),
However, for us in the U.K., the vast amount of your money saving tips are irrelevant to us.
It would be nice, if you could try to live your lifestyle in the various parts of the USA/ or anywhere in the U.K., as I know it would be impossible in many places in the USA, and also here in the U.K., on the salaries we make (and under the tax regime we have). Believe me, we have tried ourselves (been married for 32 years this September, 2018), to do as much as we can with very resource (as a university academic myself).
My Wife stopped work, when she had our 2nd child (after working for the Anglican Church (Church of England) for 16 years, but it has “crippled” us here in the U.K. and severely restricted our choices in virtually all areas of our life. The U.K. and many areas of the U.S.A. are not family friendly, and I feel your blog should reflect that more.
We stayed in the U.K., to look after our aging Mothers (my Dad died when I was 15 and my Wife’s dad died 34 years’ ago), but this has crippled my career in academia, as all of the grant money in my research area f
goes to just 2 universities, many miles away from where I was able to work.
I am glad that you and your family appear to be thriving, and that you can live your life in the way that you wish, but not all of us can, as we have to live “in the real world” of what is available to us, when we are (truly) working as hard as we can.
Love and best wishes to you and all of your extended family
Tim
Dr. Timothy E. Bates
Sunaina says
Very informative and useful post.
Keep sharing with us.
Rosaria Feierabend says
If you want to get a great deal from this piece of writing then you have to
apply such methods to your won web site.
Amber says
Hi i just moved to Virginia with my folks. I work for the school system with special needs children, which i love. Unfortunately the job doesnt pay much and i have to take care of my parents and the house when i get home. Im always tired and i never have the time to do anything else much less the things i like to do. If i could get an at home job that would benefit myself and my folks. I have looked at them online but they all seem too good to be true and they wind up being so. How can i find the real deal? I love all things old fashioned. the ideals, cooking, cleaning, keeping house, sewing and my passion is writing. How can i use these skills to make a living at home? Please help!