As a stay-at-home homeschooling mom, I am very aware of the fact that it is a blessing that I can stay at home with my kids. I do not take this for granted.
If you are looking for ways to enable you to stay home as well, here are some budget cutting ideas.
My husband and I have a budget. We have a spreadsheet where we track all of our expenses.
Every paycheck is divided into categories and we stick to the amount given for each category.
If you really want to save some serious cash, establish budget and stick to it!
We teach our children that they need to live within their budgets as well. This has saved us a ton of cash.
Dave Ramsey is one of the best budget/finance people around!!
Cook. Bummer, I know. But making meals from scratch is cost effective. Cooking in bulk and freezing meals can save you valuable time and money on those days that you barely have time to eat dinner, let alone prepare it!. Here are some freezer meal ideas!
Organize your recipes. Take the time to make a list of all the recipes you know how to make. (this is easier if you brainstorm with the whole family).
If you are like I used to be, you may be staring at a pretty short list. Make it a goal to add 1-4 new recipes a month. I made this commitment when I was 24, and now have dozens and dozens of amazing family/budget friendly meals!
Make a 2 week- one month menu.
Cooking according to a plan will save you. period. It saves you time and money. I make a bi-weekly menu every pay-period and stick pretty close to it. I love knowing what I am making for dinner before lunchtime. It is amazing how stressful it can be to look at a clock reading 5:00 and have no idea what’s for dinner!
Plan shopping around your menu.
Again, it is all in the planning! I organize my shopping list according to my menu. I eat before I shop and I have dinner planned before I leave for the grocery store. (This saves me from ordering pizza after buying $300 worth of groceries!)
This is not a huge issue for me since I HATE shopping and have a bunch of boys who have no idea what a name brand is. I cut costs with clothing by purchasing everything I can from a second hand store. I have no issues buying used clothing and dress shoes for my boys while they are still growing! Ebay is an amazing place to get great deals and save hundreds if not thousands a year.
There are coupons for almost everything! Many moms can shave their grocery bills in half by using coupons. Before you buy anything, hunt for coupons and discount codes!
Discount Gift Cards
Did you know you can buy discounted gift cards online? At Raise.com you can search from a gazillion cards that others are offering for sale. You can save money buy buying these cards online and then buying what you need with the gift card. This is a new discovery for me! Super exciting!
Unplug any appliances that are not in sue. They drain electricity even when they are powered off.
Turn off lights in unoccupied rooms. Better yet, install motion sensor switches! You can spend close to $150 a year simply by leaving your bedroom light on all day. Turn it off and buy a new outfit instead! More ways to lower your bill!
Evaluate Extra Spending.
I make the personal choice to stay at home rather than require manicures and highlights. I do my own hair and nails. I also cut all my boys hair. If you add all that up, I am saving anywhere between $160-$300 a month because I choose to be the hairdresser/barber. Granted, I have all boys and I wear my hair long, but this is a conscious choice.
We traded in our fun sports car for a gas efficient model.
We now have a gas guzzler and a Prius. When the whole family needs to be there, we drive the Guzzler. When I go anywhere else, I drive the Prius. The difference is 14 miles to the gallon vs. 50. Its a no brainer. The difference is spending $120 on a full tank or $30.
Quite honestly, we simply try to live within our means. That means we try to look at any new purchase with the “is is a need or a want” mentality.
By making some very intentional choices, over time I have been blessed to stay at home with my children. These choices are not always easy, and often we choose to go without a want to satisfy the need. But it is worth it!