The Reason We Can Afford for Me to Stay Home

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The Reason We Can Afford for Me to be a SAHM and live on one income comfortably

When I tell others that I am a stay-at-home-mom, I often hear working moms say that I am “lucky to be able to stay home.” I always respond with a smile, and tell them that I am so thankful to stay home, but what I really want to say is, “Honey, luck ain’t got nothin’ to do with it!”

I understand that some women are the sole providers for their families, and they have no choice but to work. However, the majority of the women who have told me that I am “lucky” have husbands who have full time, reliable jobs, many of which make more money than my husband does.

You see, my husband works very hard to support our family, but we are not “rolling in money”. I greatly respect my husband, so I don’t want anyone to take this the wrong way. I simply want to be open with you and encourage others who may be in the same situation.

My husband started working full time at the age of 17 instead of going to college. Even though he doesn’t have a college education, he is still able to support his family! He currently works at a warehouse for a big, employee-owned supermarket chain where he earns stock in the company.

Our little family of 3 lives off of my husband’s income alone. I haven’t made a cent from this blog (yet), and neither my husband nor myself have any side hustles.

Last year I had a temporary tutoring job for about 3 months, but that is the only time in the past year and a half that I earned any income. So when I say we live on one income, we truly live on one income.

The One Reason We Can Afford to for Me to Be a SAHM

We have never asked for money, been late on a bill, or gone hungry. In fact, in the last year we were able to pay off a vehicle and pay cash for TWO expensive medical emergencies on one income. I know several families who have also chosen for the wife to stay home and take care of the kids even though the husband doesn’t have a high paying job.

Every single one of these women have shared with me that the Lord ALWAYS provides.

Don’t get me wrong, making the decision for me to stay home scared me, and in the bottom of my heart there was a fear that we weren’t going to make it. But if I had never quit my job, we wouldn’t have been able to see God provide for us time and time again in both big and small ways.

Shortly after I quit my job, God reassured me in such a simple way that He would take care of us.  I was at the grocery store where I planned to buy only necessary items. Everything on my list was on sale except for tomato sauce and bobby pins. When I got to the store, I found out that the unadvertised sale that week was on tomato sauce. Then there just happened to be a package of the high quality bobby pins on clearance!

I couldn’t believe that the two things I needed, God had on sale for me. I felt like God said, “See, I’m going to take care of you. Just trust me.” Since that day I have seen God provide for us over and over. I could share story after story of God’s provision.

 ~Matthew 6:26~

Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?

So, dear reader, are you wondering whether or not you can afford to stay home with your children? If you are, may I encourage you to take God at His Word, and trust that he will take care of you (Matthew 6:31-32).

That is the reason that I am able to stay home instead of working; God always provides for all our needs!

If it is your heart’s desire to stay home with your children, but there is not another income to provide for your family other than yours,  Don’t ever give up hoping, praying, and working for that goal. 

Please know that this post is coming from a heart to encourage not to condemn those who have to work. I know that I am blessed to have a husband who is able to work and support me staying home and that not everyone is given this opportunity.

Other Posts You Will Enjoy:

6 Ways Being a Stay at Home Mom Saves Money

How We Went from 2 Incomes to 1 Income Quickly

4 Choices That Save Us Thousands Each Year



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19 thoughts on “The Reason We Can Afford for Me to Stay Home

  1. I love this, Emily! Before my husband and I were even married, we decided it was of utmost importance that one of us–me–make caring for our home and family my full-time (if unpaid) job. We were blessed to be able to never get used to depending on 2 incomes. And 17 years later, I have never once regretted that decision. The older my girls get, the more they need me in deep ways that I cannot fulfill with leftover time and energy. Truly, I am so grateful to have this choice to make. But I firmly believe that a home and family to be cared for, and if someone isn’t doing that job full-time, something will be lost. No doubt, other things are gained. But for us, what might be lost is too high a price to pay. Thanks for sharing this affirming perspective. I’m off to clean the toilets now! 😉

    1. So true, Elizabeth. I think a lot of couples get used to having 2 incomes and just don’t know if it is possible to live off of one. We have had to give up some things and change some habits, but my husband loves that I am able to spend more time taking care of the home and of course, being able to be here with my son is priceless. It is good to hear that you are able to stay home and be there for your family as well!

  2. Emily,

    I came across your blog and I am blown away by your grace and positivity. Both my fiance and I work, but alternating shifts so that we do not have to put our little one in childcare. It’s hard, but we don’t mind it. We are both working right now to save money to buy a house in cash, and we both have side hustles as well. Once we are able to buy our home we will drop to one income( most likely him since he makes more), but we will continue to side hustle because we enjoy them. The Lord does work in mysterious ways, and I know that while we are making small sacrifices now, he will bless us with our very own home when we are ready!

    1. That is great that you are able to work alternating schedules to take care of your little one! It sounds like you are a very busy momma. I love that you have found side hustles that you both enjoy. That is the best way to earn money: doing something you love doing!

  3. Thank you for the inspiration to help me make this big step in my life to stay at home with my children! God is good! All the time!

  4. You really inspired me Emily… And you are really right, God is our great provider. Me also, I am a full time mom in our first child.
    And my husband is the only person working for us. And I am so greatful to God that He always blessed and give all the favor to my husband. And I’m so thankful also to my husband that he working so hard for us. And he is really a great man, he also helping his parents here whose living with us, and also my family in the Philippines. That’s why I believe God blesses him more,.
    I want to start also a blog sharing our stories. But I don’t know how and where to start. Specially, as a woman of Christ… Want to share to everyone how God blesses us tremendously.
    Thanks again and may the Lord bless you and your family abundantly.

    1. Divine, I loved reading how the Lord has provided for you and your family! I’m so thankful that God knows our needs and wants to bless us. If you have specific questions about starting a blog, feel free to email me. I started out on Blogspot because it was easy and free to get started.

  5. I loved your blog post. Once I had my baby I decided I wanted to try and stay home myself. I had to let go and just rely on God, it’s been really really really hard and full of ups and downs but…. God has been providing the whole time! Now I’m finally starting to make money from home and my husband got a new job making more and I can truly stay home and be with my baby. I’m very thankful and learned a lot about trust.

    1. I love hearing how God supplies in other people’s lives! Thank you for sharing your story, Ashley. I agree, there are a lot of ups and downs. When one of us gets a little discouraged, my husband and I encourage each other to trust God and remember how He has always provided for us.

  6. Thank you for sharing and reassuring what God tells me keep… That He is always with me. I too want to stay at home but I am the sole provider right now. Prayerful that these articles will lead me to that goal.

    1. I hope that you are able to make that happen, Keenya! There are several women I know of online who are the sole providers for their families and are able to stay home. Sarah Titus is one of them, and she is such an inspiration!

  7. I love this post so much. We have struggled so much lately on my husbands income due to getting less hours but God has always provided. We just have to trust and have faith in him.

    1. I’m so sorry about the cut in hours. Living on one income is definitely a struggle at times, but like you, I am so thankful that the Lord always provides!

  8. I couldn’t agree more with your comment about being “lucky” to stay home! I get that same response as well, and while I feel extremely blessed and fortunate to be able to stay home, many people don’t realize that it’s a sacrifice to live off of one income, no matter how much money your spouse makes. So many times, it’s not an issue of being lucky enough to stay home, but rather an issue of contentment and trust – can you be satisfied with less and trust that God will provide the necessities? Are you willing to give up a certain lifestyle – name brand clothes, vacations, daily Starbucks runs, and the like? Choosing to live off one income is a huge paycut, and it has so much to do with being content with what you have and making the most of what you do have. Great post! I’m so glad you and your husband have made this difficult choice. 🙂

    1. Oh, thank you, Nicole! You are so right. In most cases it really boils down to being content. An older woman told me just today that it doesn’t matter how “poor” you are, making the choice to stay home is always worth it and something we won’t regret.

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