Tag Archives: stay at home mom

How We Survive On One Income

When people find out that I am a Stay at Home Mom they automatically assume that my Husband must “make a lot of loot”. That just isn’t the case. Sure, he makes an average salary but we really had to change our lifestyle to make it work.

Like most of you, when Ryan and I got married we were both working full time and had a little apartment so we really had the freedom to do whatever we wanted. We tried to save a lot knowing one day I would stay home but for the most part, money wasn’t an issue.

The first couple of months trying to figure out how to live on one income was challenging  but with a few changes, it has been pretty manageable (we lost about 30-40% of our income!). Now, it has not always been easy. And, it does take a lot of discipline. But, it has been worth it.  I am so grateful I get to stay home with my babies, I wouldn’t give that up for the world (unless I had to…)!!

A lot of people have asked me how we do it so here it is… my Stay At Home Mom Money Saving Tips:

1. Pack your lunch. My Husband packs his lunch everyday for work. If we go to the Zoo or the Mall or to the park, I pack a lunch. Festivals, day trips… we pack food. This takes some preparation and I know that there are so many better food options when you buy out, but the money we save not buying food when we don’t have to allows us to use that money for other things, like a nice dinner date or, more groceries. This goes for your coffee too, make your coffee at home! $2.00 a cup adds up.

2. Minimal Christmas. Ryan and I do not exchange Christmas gifts and we only get our children four gifts each. The main reason we only get them four gifts is to save money but the other part is to not spoil them. They DO NOT need 10 new toys for Christmas, it is a waste. We get them four things that they really want or need and they are just as happy with those four things as they would with 100 things. We both have large families so trying to afford to buy gifts around Christmas (and a tree and parties and decorations and cards…) is really challenging so we really try to stick to a strict budget. I do cheat and buy something for Ryan sometimes if we have left over money….

3. Basic Cable. We have very basic cable, it is only about six channels, and that is so we can get the internet package. I really wish we had HGTV and Disney JR, but, we don’t and that is okay. We have Netflix and watch things for free through the internet sometimes so I don’t feel totally lost. Not only does this save us money monthly but it also keeps me from getting into bad habits (like watching trashy TV that will rot my brain…).

4. Cheap Groceries. Do not just shop at the grocery store that is closest to your home, shop at the stores that have the cheapest prices. You all know that ALDI’S is my jam, but I also will shop at Wal-Mart (however, I hate it there and I regret going every time I go) and BJ’s (they have the cheapest lunch meat! ). Sometimes I will go to Giant because they have things I can’t get at other places but I will not do all of my shopping there. ShopRite has good sales and coupons too.

Look, you do not have to buy name brand food, it all tastes the same. We should all be eating mostly fresh produce and healthy meats anyway so that shouldn’t be a problem. I do not know how to coupon and I am not interested in learning, so if you are like me, just start price comparing and make smarter shopping choices, not just the easiest option. This will save you money!! I get so sad when I am behind the person spending $400.00 on groceries at the basic grocery stores.

5. Less Eating Out. We rarely go out to eat at a restaurant. We will buy food one time a week (usually a weekend) but that means Chinese or Chipotle or Penera, not a sit down joint with a waitress. I would LOVE to eat out more, I LOVE eating out, this is probably the hardest sacrifice for me personally. Anytime I can eat something that I didn’t have to make or clean up is wonderful but we just can’t do it regularly. We get to go on a date not very often, maybe twice a month, and we will go out to eat (because paying for two people is way cheaper than four or five) but I would do it more if we could.

*There are times where I get lazy packing food or we just want to get out of the house and we will go out to dinner, but not going out to eat is a goal we try to stick to because it is the biggest waste of money.

6. No Random Shopping Sprees. Boo. I remember a time when I could go buy a shirt if I wanted one, any time I wanted one. Now, I just don’t do it. I can’t just randomly buy a new candle or a pair of shoes if I like them. I have to strategically save up my money and plan a time where I can go shopping and get a few things. I can not just pick things up here and there if I see it and I want it. This is actually a great habit because I end up spending less money in general, but it is also really hard when you see that thing that you would really love to have.  It is not easy, but the more I resist, the easier it is to resist.

7. Make a Budget. Come up with an amount that fits within your budget and budget out specific items. For example, I have a little file thing that I have labeled for different things (i.e. gifts, clothes, food, hair, etc.) and I try to put money into it weekly and only use what is in the designated file. I don’t get my hair cut until I have enough money in my “hair file”. If you are not that organized, just be aware of what you have and what you can/should spend. Being aware of your bills and finances will help you make smarter buying decisions.

8. Avoid Temptation. Avoiding going to stores that are really tempting unless you know you have the money to spend. I had to stop taking my kids to Storytime at the Mall at one point because the temptation to buy all. the. clothes. was too hard and I was spending money when I shouldn’t have. Don’t go walk around Target if you have nothing else to do. You will find something to buy even if you don’t need it.

And, that is basically it. There are a few other things that I don’t spend money on like manicures and pedicures, coloring my hair, massages… things like that. These things  weren’t really something I spent a lot of money on before so it isn’t a difficult thing for me not to do but I realize that some people may have a hard time doing their own nails vs. getting a professional manicure. I do like an occasional pedicure though, I’m not gonna lie. I just have to budget for that.


Welp, I hope you find this helpful. It has definitely been a growing experience for me but with a little self-discipline, I have been able to stay home full time for the last six years.

And, yes, I do wish I had the flexibility to take random vacations with my man, or buy fancy clothes or go out to eat more often, but like I said before, it has been worth the sacrifice!

Also (I will stop rambling in a minute), you do not have to be single or a Stay at Home Mom to practice any of these money saving tips. Try it for a month and see how much money you have been able to save. We do it so I can stay home, you can do it so you have more money to spend on other things! ha.








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The Best Gift Ever


This year for Christmas, Ryan gave me a gym membership . Some of you may think that this is weird or insulting. It is in fact, quite the opposite! I am/was so excited.

I would just like to point out that a few of my other most favorite gifts in the past six years include a new vacuum and new cookie sheets so a gym membership would not be a strange gift for me to be excited about.

I have been asking Ryan for about two years now if I could join a local club. We have plenty of work-out videos, weights and a treadmill so obviously I don’t need to join a gym… right? Well,  in my opinion, I am literally the least motivated person on the planet.  There is pretty much nothing that will get me down in that basement to do a Jillian Michaels DVD everyday  (even if it is only 20 minutes!). I think I made it three consecutive weeks- I know, I am impressed too!

And, I HATE working out. Who seriously likes to work out? Oh, You do? Freak. I work out so I can eat cake. If I were naturally in-shape looking and if I didn’t have two kids worth of jiggle I wouldn’t do it.

Why would I want a gym membership if I hate working out? Well, maybe I would like working out if I belonged to a gym. Maybe working out is good for you. There are other people besides two-year olds that belong to gyms, right? I could eat more cake.

OK- Back to the point.

When Ryan gifted me the membership, he gave me freedom to shop around at every local gym in the area. My only requirements (besides being affordable) were fitness classes and child care. Classes because like I had mentioned before, I am not motivated and going to a gym is just as motivating as working out in my basement. If I have a class to attend with other living people and sun light, I’m in! Just kidding. But really, having class options has really helped me. I have taken most of them by now and there is no way I would be working out as hard or as regular if I were trying to do it myself. Days that I go to the gym when they don’t offer classes, I am probably there for about 30 minutes at most because I get bored and I will not push myself. If I get a little sweaty, that is good enough for me. Having structure, a goal, accountability… motivates me.

Side note: I  do not understand how some women can be walking on a treadmill for two hours. Sure, you brought five magazines to keep you occupied but really. Is that even working out? But seriously. Two hours? No thanks.

And Childcare. This was important to me because having childcare has allowed me more flexibility as to when I can go. My Husband does not work regular hours so if I always had to count on him or a babysitter to be home I would rarely be able to go. I have incorporated the gym into my weekly routine and the kids LOVE going with me. They love it. Being a Stay-at-home Mom is sometimes challenging for me because I am such a people person and being stuck in the house all day (especially in the winter) is very difficult. This is most true when my husband works out-of-state on large commercial jobs and isn’t home for days at a time. Or he just works 14 hour days and I run out of things to occupy my children. Sometimes Momma just needs a break and this has been a HUGE help during those times. It has seriously been a blessing to me and my soul. Fo real. God bless Child Care workers. They are great and I love them.

Okay. So as I continue writing this I just keep think that no one probably cares about why I go to the gym. I assume that all of this seems pointless and you probably really don’t care. So, I’ll cut this off and get to the purpose of my writing this here post…

(Run on sentences… and go…)

Today as I was laying on my back during a Yoga class I was reflecting on how wonderful I have been feeling and how I never really realized how much I actually wanted this and how having this membership is one of the best gifts that Ryan could have ever given me. It has improved my energy, my attitude, my confidence, my mental stability, my need for social interaction, my butt muscles and many other things. It has also provided opportunities for some social growth in my little ones that I didn’t realize they needed until I started to noticed the positive changes.

I am grateful to you Ryan for giving me something that has turned into so much more than just a gym membership.

I still don’t like working out though.   ^_ô


[For the record, I do love the gym where I belong and I would highly recommend it to anyone looking for a Health Club. I have been 100% satisfied with the staff, members, childcare and club itself since becoming a member. http://www.fitgymusa.com]

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