Moms and Money: Top 10 Money Saving Tips for Stay At Home Moms

by Super Coupon Lady on September 26, 2013 · 9 comments


Money Saving Tips for Stay At Home Moms

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If you are a stay at home mom, you are probably always looking for ways to save more money. As a stay at home mom, you may not be bringing in an income, so finding ways to save money is essential. But where do you begin? Saving money can often times be a challenge, and if you don’t approach it the right way you can quickly become discouraged. Don’t let this happen! Instead, take a look below at the top 10 money saving tips for stay at home moms. When you follow these tips, you can easily save more money each month and stretch your family’s budget. Take a look!

Make sure to also check out these Legitimate Ways to Earn Money from Home!

Top 10 Money Saving Tips for Stay At Home Moms:

1. Stretch your food budget with coupons.
Don’t just clip coupons, use them effectively. Match them with hot sales and promotions to stretch them even further. Stack them with store loyalty cards and really get more bang for your buck. Be a smart couponer and your fifty cent coupon can easily double or triple on the item you purchase, scoring you more food for so much less.

Learn all you ever wanted to know about Couponing in my Couponing 101 Post!

2. Buy second hand.
Not everything needs to be purchased brand new. Thrift stores and/or Garage Sales can offer like new and gently used items for so much less. Before running out to find a brand new lamp, sweater, CD player, or other item, hit up your local thrift store or a yard sale to see if you can find one there first. If you can, you will surely save.

3. Barter for babysitting.
Find friends and neighbors you can trade babysitting services with. By doing this you not only free up time so you can grocery shop or pay bills in peace, but the kids can get out for a bit too. It won’t cost you a dime since you are trading services, so you get this baby sitting at a great value.

RELATED POST: 10 Ways to Save on Childcare!

4. Utilize your local library.
Rent books, movies, toys, cd’s and more for free at your local library. These are materials you and your family can enjoy and use daily. Take advantage of the free programs your local library offers as well, such as free classes or reading groups. This is a great way to bring experiences to your family for less!

5. Group your errands.
Plan your errands for one day a week so you can avoid burning gas and other resources with mini trips. Grouping your errands together not only saves you time, but you will notice that you save gas and money that is spent on the impulse purchases you make on these outings.

RELATED POST: 10 Ways to Save on Gas!

6. Cook your own meals.
Eating out or buying carry out can add up fast. Instead, cook as many meals as you can from home. This will add up to significant savings, especially if you make those meals from scratch.

Check out lots of fantastic recipes on the Super Coupon Lady Recipe Pinterest Board.

7. Track your purchases.
It is easier to control your spending when you see where it all goes! Keep a spending journal so you can document when and where you spend. By writing your purchases down you are more likely to consider your purchases before completing them, thus saving yourself some money.

Online Options to Track Spending: Manilla and Learnvest

8. Find free entertainment.
It can get pricey trying to entertain the kids. Look for free programs offered at local parks, city centers, clubs, libraries, community colleges, etc. By utilizing these programs your kids will still be enriched and entertained, just for a whole lot less! Home Depot & Lowe’s will usually host free Saturday workshop for the kiddos.

9. Care for your investments.
Clothing, electronics, and other investments need to be cared for or you will end up spending money needing to replace them. Set rules for how these items should be cared for. Model this behavior. Care for your items and they will in return give you years of use, saving you money.

10. Renegotiate your utilities.
Take a few minutes each month to call your utility companies and negotiate rates. You can also do the same with credit card interest rates. By negotiating your rates you can easily shave a little off your monthly bills. Once you negotiate a lower rate, be more mindful of how you use your utilities. Lessen your daily usage and save even more.

See how easy it is to save money as a stay at home mom? By following these tips you can keep your family fed, clothed, housed, and entertained for much less. Give these tips a try and see how much they can save you over the course of a month!

{ 9 comments… read them below or add one }

mel September 26, 2013 at 9:23 pm

Thanks for the tips! Saving money is always a good thing!


Kerri September 26, 2013 at 11:01 pm

Great ideas! I love finding out about free events.


Cinny September 27, 2013 at 1:19 am

I never knew Lowes hosted weekend!


Julie September 27, 2013 at 2:22 am

I’ve never heard of negotiating rates with a credit card company or utility companies. Is this a common thing they will do? Also, why call every month? Thank you.


Sofia September 27, 2013 at 8:46 am

Thanks for the tips. I always try to save as much $$ as possible. We love going to the library (just got back with a loot of 20 books!). I’ve heard of Home Depot’s weekend activities but have never gone. Will have to give it a try.


Brittany @ The Frugal Free Gal September 27, 2013 at 9:50 am

Great tips! Thanks for sharing! I love going to thrift stores/garages sales to save money on kids clothes!


yari November 5, 2013 at 9:50 am

Lowe’s, Home Depot, Michaels and I believe Jo Ann Fabrics all have activities for kids free, I don’t know about negotiating utilities but here we have Florida Power & Light and they have something called budget billing.


Jessica February 25, 2014 at 8:51 pm

Ya right not here for electric. Our bill was almost $600 for one month and they won’t even look into WHY. It’s a brick home only a few years old. Ugh. Shoot me


kim May 28, 2014 at 8:14 am

our grocery stores only take 1 coupon per item and electric companies will not negotiate reduction rates. I know I just tried.


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