Being a stay-at-home mom is a full-time job—and it requires full-time financial strategy.
Living on one income doesn’t have to mean cutting out everything you love. With the right approach, you can save money, reduce stress, and still enjoy a full, abundant life at home. Whether you’re looking to trim your grocery bill or make a little extra on the side, these 10 money-saving tips for stay-at-home moms are the perfect place to start.
1. Build a Budget That Actually Works
Use apps like You Need A Budget (YNAB) or Mint to track expenses and set limits. Categorize spending so you can identify areas to cut. A realistic budget helps reduce impulse spending and builds confidence in living on one income.
The best, free budgeting tool I have used is Dave Ramsey’s EveryDollar app.
If you have never budgeted before start with my free printable. This is the how everyone starts!
2. Master the Art of Meal Planning
Plan meals based on weekly store ads and what’s already in your pantry. Use a rotating meal schedule to simplify decisions. Apps like Plan to Eat or Prepear can help.
🛒 Bonus tip: Shop in bulk at Costco or Sam’s Club for staples like rice, beans, and frozen veggies.
3. Use Cashback & Rebate Apps
I love using cashback apps like the ones listed below. I save up my points and give out gift cards to friends and family for Christmas. It lowers my Christmas budget by a few hundred dollars a year!
Top picks for frugal moms:
- Rakuten (for online purchases)
- Ibotta (for groceries)
- Fetch Rewards (scan receipts for points)
4. Embrace Secondhand Everything
Buy and sell used items on Facebook Marketplace, ThredUP, and local consignment stores.
Clothes, toys, books, even baby gear — all can be found in excellent condition for a fraction of the price.
I also highly recommend checking Facebook for a group called Buy Nothing – “your town name”. I have saved hundreds of dollars joining my local group. Not only do you get to receive needed items, you can also give away the items I do not need anymore.
5. DIY What You Can
From natural cleaning supplies to homemade baby food, there are thousands of ways to DIY and save.
Search YouTube or Pinterest for beginner-friendly tutorials.
This takes time, but saves SO much $$.
6. Cut Subscriptions & Streaming Costs
Audit your subscriptions monthly. Swap pricey platforms for cheaper or free alternatives:
- Replace cable with Hulu, Netflix, or Disney+
- Use Tubi or Pluto TV for free shows and movies
- Share family plans to reduce individual costs
Make sure you look for bundle deals. I have the Disney+/ESPN/Hulu deal for just under $20 per month. Thats all my family needs.
7. Tap into Free Local Resources
Libraries often offer free programs, storytimes, and kid-friendly events.
Check your town’s Parks & Rec schedule or join mom groups to find free or low-cost family fun.
Different churches also give away the perishable food that goes unused from local food bank pick ups. Check their local Facebook pages.
8. Start a Flexible Side Hustle
Even 5–10 hours a week can help ease financial pressure. Try:
- Freelance writing or virtual assistance
- Etsy shop for printables or crafts
- Social media management
- Selling items on eBay or Poshmark
📌 Tip: Use your unique experience as a mom to niche down your offering (e.g. kid-friendly meal plans or parenting templates).
9. Switch to Generic Brands
Generic or store-brand products are often just as good (or identical) to name brands.
Try switching staples like cereal, diapers, or cleaning supplies and save up to 30% per trip.
10. Save on Utilities the Smart Way
Simple changes can lead to big savings:
- Wash laundry in cold water
- Use LED bulbs
- Unplug unused electronics
- Set your thermostat wisely
Every six months look around for better deals on your insurances (car/auto). I just switched companies and I am now saving $40 per month.
Look into energy-saving rebates in your area too!
Conclusion : Living on One Income Doesn’t Mean Living Less
Frugal living isn’t about deprivation—it’s about intentional living. By making small, consistent changes, you’ll not only save money, but also gain more peace of mind and control over your family’s financial future.
