9 Ways To Save Money As A Stay At Home Mom in 2022 (That Actually Work)

A piggy bank on a laptop. Image: Kayla Butler via Ivorymix.com.

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Looking for ways to save money as a stay at home mom?

According to The Federal Reserve, nearly half of Americans can’t cover a $400 emergency expense without borrowing the money or selling something.

This is exactly why people like Dave Ramsay strongly advise you build a $1000 emergency fund, so you can cover these unexpected expenses when they happen.

But it’s IMPOSSIBLE to find practical ways to save money when you’re a stay at home mom, right?

Not necessarily.

It turns out, with a bit of discipline, I discovered it’s possible to save $1000 (about £820) in just 30 days, even when you’re at a stay at home mom or parent working side hustles from home.

The beauty of a reserve fund is that you’ll have the resources to pay for any emergency expenses without either going into further debt or drawing on your actual savings.

Plus, if you do have debt, it’s far easier to start tackling the actual debt once you have a reserve fund, otherwise unexpected expenses can just feel like even more debt.

Want to start saving money as a stay ay home mom?


Now, to make this work, you have to be disciplined (yes you can do it) and you need to believe you can do it (yes, again, you can do it).

If there’s a little voice in your head whispering, you can’t do this – tell it to be quiet!

I can’t guarantee you’ll save $1000, but it’s almost impossible not to make savings if you follow these steps.

Ok, let’s do it.


A woman writing in a notebook. Image: Kayla Butler via Ivorymix.com.

Let’s kick off by grabbing a piece of paper and a pen and listing ALL your direct debits and regular payments for the month.

Everything from your mortgage or rent, right through to TV subscription packages, insurance costs or debt repayments. Leave shopping, clothing allowance, travel and entertainment costs for now, we’ll deal with these separately in step 3.

Next, note the amount you pay every month, for each item, next to it. For example, rent – $800.

Next, go through the list and mark every item that is not essential to your life right now. Whether you’re a single stay at home mom with a child or part of a larger family, there will almost certainly be some. Be disciplined with yourself here. You’ll be surprised at what you can save.

Remember, you can always re-instate these things at a later date if you want to, once your finances are more fluid.

What I stopped and how much I saved: 

  • Weekly local veg box  – saving of £42 ($51 ) a month
  • Charity donations – saving of £20 ($24) a month
  • Online subscription costs to things I could really live without: £25 ($30)

Total saving for month: £87 ($106)


  • List all your regular debit debits/outgoings for the month
  • Mark any items you could survive without and stop them for now
  • Make a note of your saving.


Next, have a look at your monthly outgoings that remain from step 1 and see if there is anywhere you could save money by looking for a better deal.

Things like car or breakdown insurance renewal costs, for example, are usually calculated by a computer and it’s very unlikely you’ve been offered the best price.

It’s also worth doing your research to see if there’s a company you can switch to who will offer you a better deal for gas and electricity, TV, Internet and mobile phone costs. All it takes is a quick phone call.

Comparison sites can be super helpful here and they’ll sometimes arrange a switch for you.

Otherwise, just be a bit brazen! Call a company direct and ask if there is a better deal available. They’ll often say yes, rather than lose your custom.

How much I saved:

  • Breakdown insurance renewal £72 – negotiated it down to £35! – saving of £37 ($45)
  • TV & Internet package – negotiated a £9 ($11)a month saving on my bundle (if I’d switched suppliers I could save another £20 a month as a new customer and get £75 cashback, which I am planning for next month)
  • Mobile phone – switched from an iPhone to an Android (*sigh*) – saving of £17.50 ($21)
  • Monthly online subscription – switched from monthly payments to a one off annual payment – BIG SAVING of £125.88 ($153.26)

Total saving for month step 2: £189.38 ($230.26)
Running total: £276.88 ($336.26)


Use comparison sites or just call company retention departments direct, to see if there are better deals out there for utility, insurance or TV & Internet costs etc.


Most people fail to set a proper budget for the month. This invariably results in overspending or money running out long before the month has ended.

Don’t do this!

Instead, grab a notepad and write down your total monthly paycheck or income (after taxes).

Next, write down your total remaining (or reduced) monthly outgoings from step 1 and 2.  Then subtract this figure from your monthly paycheck/income figure.

The figure you get is what you have left to spend for the month on things like shopping, clothing, travel and entertainment costs.

Example: Paycheck of £2000 minus total monthly outgoings of £1200 = £800 available monthly spending budget.

Next, set a realistic budget for shopping, clothing and entertainment costs for the month that fits within your available monthly spending budget figure, whilst also identifying any savings that could be made in these areas.

Example: Available monthly spending budget: £800

From this figure, calculate your shopping, clothing and entertainment costs – for example:

  • Shopping budget – £400
  • Travel costs (petrol, parking, public transport to work etc) – £200
  • Entertainment budget – £125
  • Clothing budget – £75

Total: £800

Now look for any savings you could make in these areas.

Some possible ideas to try might include:

  • Cutting out that takeaway skinny frapachino latte with extra syrup for a month!
  • Reducing the weekly pizza treat to once a month
  • Cycling or walking to work twice a week instead of getting the bus
  • Setting a weekly meal plan so you buy what you need, rather than ad hoc purchases, which often work out more expensive
  • Bulk buying in larger quantities, or online, where it’s often cheaper
  • Reducing soda, juice, and alcohol consumption as these can really jack up grocery bills
  • Cooking bulk batches of food and freezing them – cheaper than cooking separate meals.

What I changed and how much I saved:

  • Stopped buying takeaway latte after school run, Mon to Fri, for a month – saving of £45 ($55)
  • Reduced our eating out dinner treat to once a month – saving of £60 ($73)
  • Reigned in mine and My Little Lady’s cafe culture spending! – saving of £20 ($24)
  • Started meal planning and sticking rigorously to a set weekly food budget – saving of approx £80 ($97) (I was completely overspending here without realising it)

Total saving for month step 3: £205 ($249)
Running total: £481.88 ($585.26)


  • Create a workable monthly budget
  • Identify any ways you can make any immediate further savings with your shopping, entertainment, travel and clothing allowances.

Top Tip: I’m a bit old school and use pen and paper and a simple spreadsheet to work out my budget, but if you prefer digital, many people swear by budgeting apps, such as Mint.


A keyboard, cell phone and notebook. Image: Kayla Butler via Ivorymix.com.

Do you shop online?

Then I recommend signing  up to some cashback sites. It’s one of the most popular ways to save money as a stay at home mom and with perseverance, you can make lots of small savings, which over time, can make a real difference.

Ebates in the US is a crazy easy way to get from about 2-6 % cash rebate on your shopping costs.

Example: I can get 8% cashback on a Lego Land trip I’d promised my daughter for her 6th birthday, simply by for booking it via Topcashback. And if I switch my TV & Internet package, (which I’m thinking of doing) I’d receive a ver nice £65 cashback from the provider I’d choose to move to.

Reward sites such as Swagbacks or Qmee are also really popular with many people. Keep in mind, it can take time to build up much cash on these sites, but many people seem to swear by them for earning a little bit extra.

Personally though, I’ve found Inbox Pounds (Inbox Dollars in the US) a bit more lucrative if you want to try one of these.

Total saving for a month from cashback and reward sites: £40 (easy money for not doing very much!)

Total saving for month step 4 – £40 ($48.65)
Running total: £521.88 ($ 633.91)


Sign up to some cashback or reward sites and start saving with your online shopping. Here are some to try:

Popular cashback sites

  • US – Sign up to Ebates and get a $10 welcome bonus
  • UK – Sign up to Topcashback to start saving on your shopping

Popular reward sites


Most of us have stuff lying around we no longer need or use. If it’s in good conditions, it’s highly likely someone will pay you money for it!

Selling it online is easy to do, plus it helps declutter your home and of course the best bit is that it can bring in some extra cash pretty fast.

Here are some ideas:

  • Sell your old CDs, movies or games on Amazon Marketplace, Ebay or trade in sites such as Music Magpie (UK) or DeCluttr (US). Trade in sites won’t pay you much but it all adds up.
  • Sell your unwanted clothes or baby wear on Ebay. Well presented bundles of baby clothes, designer wear, or jeans with popular labels all tend to sell well.
  • Sell unwanted furniture or working electrical items on Gumtree or Craigslist.

What I did and how much I saved:

  • Sold almost new toddler clothes to a local store selling preloved stuff – £15 ($18)
  • Sold old books and CDS to a second hand music store – £20 ($24)
  • Sold some rarer DVDS and popular box sets online –  £45 ($54.73)
  • Recycled an old mobile phone online and got paid cash for it – £12 ($14.60)
  • Sold a portable radiator and and old buggy on Gumtree – £30 ($36.49)

Total saving for month step 5 – £122 ($148)
Running total: £643.88 ($782)


  • Identify any preloved items around your house that are in good condition that you no longer need or use.
  • Sell them online on places such as Amazon, Ebay, Craigslist or Gumtree.


Earning a bit of extra cash online each month is actually a lot easier than you might think.

So if you’re a stay at home mom with a few hours to spare, there’s almost certainly something that will suit you.

I’ve covered some already, but for more ideas, check out my post on 57 Ways To Make Money As A Stay At Home Mom (That Don’t Involve Survey Sites).

How I brought in extra money online:

  • Signed up to User Testing (review websites and get paid around $10 per test) – £57 ($70)
  • Did some matched betting – (UK only) – I only dabble in this now, but some people make up to £2k a MONTH doing it and I regularly made over £500 a month) – £96 ($116.76)

Total Saving for month step 6 – £153 ($186.76)
Running total: £796.80 ($968.76)


Find a way to make some extra cash online that suits your lifestyle and earn a bit extra for the month.


A piggy bank on a laptop. Image: Kayla Butler via Ivorymix.com.

Lots of small savings can add up, so try being a bit creative and even have a bit of fun! Here are some ways to save money I tried that worked well:

What I did and how much I saved:

  • Raided the money box where all my loose change goes – saving of £23 ($28)
  • Put all UK 20p pieces I received as loose change in a jar for a month – saving of £6 ($7)
  • Searched online deal sites for special offers on things like eating out – saving of £14 ($17)
  • Made my own homemade deodorant, toothpaste and cleaning products (works out a lot cheaper than the expensive, natural and organic products I was prone to buying!) – saving of £11 ($13)

Other ideas to try:

  • Look for freebies – for example, many hair salons advertise free haircuts with trainees
  • Sign up for store reward cards and get special offers and discounts and money off vouchers
  • Take advantage of online coupon sites and codes
  • Grow your own food – this is more of a long term saving, but using a corner of your garden, or getting an allotment, is super cheap and can save you a shed load (no pun intended).
  • Enter free competitions online or sign up to sweepstake sites.

Total saving for month step 6 – £54 ($65)
Running total: £850.80 ($1034)


Come up with a few creative ideas for ways to save money as a stay at home mom, such as saving your spare change in a jam jar or making your own deodorant. A few small ideas can add up.


US dollars. Photo by Sharon McCutcheon on Unsplash.

So, that’s it – ‘ding – ding’ – target achieved!

You’ll find it’s an amazing feeling when you start to see your money build up.

These final two steps, however, can help you stay even more disciplined with your budget and money saving. Try not to skip them.

OK, so step 8. Basically I used to think I was being frugal with my habitual ‘draw £20 out the ATM and make it last’ school of budgeting. Does this sound a daft way to you? Yes? Well, I wish I’d listened to you! It doesn’t work.


Because the £20 kept running out and I’d draw out another. And then another. And then…you get the idea.

Before I knew it, I’d blown most of it on sneaky ‘treats’ at our local cafe – or, worse, chucked things on my debit card because I didn’t have enough cash!

Guess what – I always overspent.

Which me brings me back nicely to Step 3 – Your Budget!

I now withdraw a weekly allowance from the ATM (ATMs are then banned for the week), in line with my budget and stick to it (I still get the odd ‘cake’ treat at the local cafe btw!).

I could not believe the change it made.

I not only felt like I somehow had more money, it also made me super mindful about everything I bought. And best of all, I remained in budget.

So my advice is to use cash wherever you can.

If you’re not comfortable carrying lots of cash about though (or you’re prone to losing your purse!), putting your budgeted cash for the week (or even month) in separate envelopes works really well for some people.

For example, mark up an envelope with Shopping Expenses for April, Entertainment Budget for April etc and pop your allowed cash for each inside and stick to it.

Sound boring?

Come on, it takes 5 minutes. 

Yes, it requires a certain level of discipline, but it can reap BIG rewards. I actually came in under budget in my first week of using cash and I don’t feel I’ve missed out on anything at all.

In fact, I feel more in control of my money than I have for years.


Start using cash and sticking to your allotted budget for the week or month.


This is a really important step!

It usually takes just a few minutes to apply for a second account online and with this new account, you’ll have a dedicated ‘home’ for your newly saved funds.

If you keep your funds in your house or apartment, there’ll be an enormous temptation to dip in and ‘borrow’ some. Similarly, if you put them in your main current or joint account, they’ll probably get eaten up and you’ll wonder where an earth they went!


Open a dedicated online bank account and deposit any savings you make.

Ways To Save Money As a Stay At Home Mom – A Final Word

A calculator & stationery. Image: Kayla Butler via Ivorymix.com.

So there you have it – 9 ways to help you save money as a stay at home mom.

You may come in under (or over!) the amount of money I saved – it doesn’t really matter – the key here is to set a target, then stay focussed and disciplined until you achieve it.

If $1000 sounds like too big a target to start with in one month, simply set your own goals. You’re far more likely to achieve a goal you see as reachable, than you are a goal set by someone else, or which seems unreachable right now.

There’s no set or right way to saving money, but setting goals and having a disciplined mindset towards your finances will certainly help.

Now go forth and save…

*Conversions from £ to $ are approximate and may vary depending on exchange rate.

Do you have any other ways to save money as a stay at home mom?

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