6 Ways I Save My Family Money by Being a SAHM

Sharing is caring!

After I did the budget for the month, I had a little pity-party for myself. Don’t get me wrong, God continues to supplies all our needs and even wants. We never have to skip our weekly chicken biscuits at Chic-fil-a on Saturday mornings!

But I thought that if only I could contribute to the household income in some way…

After my little pity-party and some chocolate (ahem), I realized that even though I don’t contribute to the income, I play a big role in the “outgoing” money. I started thinking about all the ways I SAVE money just because I’m a stay at home mom!

I hope my list encourages other stay at home moms. 

 Are you thinking about becoming a SAHM, but are not sure if your family can afford it Check out the 6 ways that I save my family money just by staying home with my son!


1. Feeding Baby
I am able to nurse my son which is free! The cost of formula can range anywhere from several hundred dollars to a few thousand dollars a year. If I worked, it would not be feasible to pump.
He has also started eating some food.

By being home I have had more time to make baby food instead of buying it. If I spent a dollar a day on baby food, that would be $180 for six months. I’ve spent about $7 on produce for about three months worth of baby food.

If I spend another $7 for the next three months, I have saved $166 over pre-made baby food. I believe I have saved close to $2,000 a year by not using formula.

2.  Groceries
By staying at home, I have more time to check the grocery adds, shop the sales, and use coupons. When I worked, I didn’t have much time to compare prices, I just bought whatever looked good. Now I’m much more
aware of how much each item costs and where I can get it the cheapest.

I also find that I buy less pre-made items. I use to buy pre-made gallons of tea and packages of cookies. Now I make the tea and cookies for pennies of what I used to spend at the store! If I spend $25 less each week, I save about $1,300 a year on groceries.

3. Eating Out
Being home during the day, makes preparing supper a lot easier. When I worked, I would come home and sometimes not feel like cooking supper. Often I would come home and find that I had forgotten to thaw the meat, or we were missing something to complete the meal.

In those cases we usually ended up ordering a pizza or grabbing a burger somewhere. We spend about $40 less a week on going out to eat and $2,080 a year by eating at home the majority of the time.

4. Gasoline
As a SAHM it is very easy to spend the majority of the week out shopping, running errands, grabbing lunch, going to play dates, ect.

But I make an effort to stay home 2 days out of the week by getting most of my errands done on the same day.

I save about $80 a month and $960 a year on gasoline. (With gas prices going down lately, we have saved even more.)

5. Work Expenses
As a teacher, I would often buy prizes, candy, and classroom supplies. There were always fundraisers going on that I felt obligated to give towards.  I would spend around $200 a year on the classroom. 

Another area that I spent money on because of work was my appearance. I wore make-up every day, now I only wear it about 3-4 days a week, and use less, thus not having to buy as much.

The same goes for clothes and shoes. I would usually spend about $30 a month on clothes for work which is $360 a year in savings.

6. Child Care
The school where I worked charges $7,800 a year for care.

That’s a total savings of $14,866 a year just because I’m able to stay home. Of course this doesn’t replace a full
time salary. We are careful about what we spend, and I have gone without several of the “extras” that I regularly spent money on before becoming a SAHM. I know that the trade off is worth it though!

My son will never be a baby again. This time with him is so short and going so fast, that I wouldn’t trade staying home with him for anything!

Other Posts You Will Enjoy:

The Reason We Can Afford for Me to Stay Home

How We Went from Two Incomes to One Income Quickly

How to Stay Sane as a Stay at Home Mom


Sharing is caring!

5 thoughts on “6 Ways I Save My Family Money by Being a SAHM

  1. Well said, indeed, Emily! Even the little things like not wearing makeup daily (or wearing my glasses instead of contacts) saves. And every little thing adds up! I wouldn't exchange the sacrifices for being a SAHM for anything. Thanks for the reminder and encouragement!

  2. I love this! Isn’t it amazing how a little perspective can make you feel better? 🙂 And really, being a stay at home mom is almost always a big money saver. Obviously there are exceptions, but for the most part, it’s a great way to save money, plus you get to be with your kiddos all the time (although of course there are occasional moments when that doesn’t feel like a perk, 🙁 but still, it is a blessing!).

    1. Thank you, Lydia! Sometimes it can be a bit discouraging when you work all day as a SAHM, but aren’t “paid”! I still have to remind myself that I’m saving our family thousands of dollars in this role, and it truly is a blessing!

Comments are closed.