Desperately wanting to be able to stay at home and raise your children, but don’t know how you will afford it? Looking for expenses to cut so you can make your dream of being a stay-at-home mom a reality

I was once where you were. I went back to work for 4 months after maternity leave, and I just couldn’t bare to be away from my child anymore. I wanted to be the one to raise her. But expenses were tight. My husband and I didn’t know how we were going to make it work. 

After much deliberation and a detailed look into our budget, we came up with several expenses that we could cut. 

In this post we’ll cover 7 things to give up so you can afford to be a stay-at-home mom

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7 Things to Give up so You Can Be a Stay-At-Home Mom

1. The Big, Fancy House

Housing is probably the largest expense on your budget. You can cut costs greatly just by downsizing

Start looking into townhouses, condos, apartments, or even just a smaller house. 

Give up the new construction home and consider buying an older house with a strong foundation. Of course, finding one that just needs some ascetic updating would be most ideal. 

If you’re not able to keep up with maintenance costs, then I strongly recommend looking at renting for awhile

2. The 2nd Car

Do you really need that 2nd, 3rd, or even 4th car? 

If you live in the city, close to public transportation, then giving up that 2nd car may very well be a viable option. I know many one car families that also make it work by the mom dropping off and picking up dad from work every day. 

If you have newer cars, consider trading them in for much more affordable used ones

By ditching the 2nd car and sticking to older vehicles, you’ll save thousands on monthly car payments, plate and registration fees, and car insurance. 

3. Cable and/or Internet

Ditching cable should easily be one of the first sacrifices you make in order to afford to be a stay-at-home mom. 

Cable and satellite prices are just outrageous. And, do you really need to be watching that much TV? 

Go old school and get an antenna. Check out DVDs for free at your local library. Switch out screen time for books and board games. 

Along with cable, you could also consider cutting out the internet. If you have a smartphone with data, do you really need to be paying for both?

If you work at home like me and need the internet, then consider ditching the smartphone and sticking with an old pre-paid cell. 

4. Eating Out

The cost of eating out adds up fast

Try to limit eating out to once or twice a month. And this includes coffee runs moms! 

Do your best to meal plan for the week and use what you already have before buying more groceries. 

Buy in-season fruit and veggies, limit meat, and shop at ALDI when you can. 

If you have a larger family, strongly consider getting a COSTCO or Sam’s Club membership so you can buy in bulk

Continue reading below. 


5. First-Hand Items

Along with homes and cars, you should also start buying several other things used. Especially kids clothes, guys. They grow out of them so fast!

This will save you a ton of money. And, you’d be surprised at some of the high quality items you can find. 

Other things you should start buying second-hand include: 

  • Furniture
  • Picture frames
  • Dishware
  • Cookware
  • Designer labels
  • Sports gear/equipment
  • Tools
  • Books
  • DVDs and CDs
  • Musical Instruments
  • Tech Gadgets (phones, TVs, tablets, etc.)
  • Toys
  • Outdoor gear
  • Exercise equipment

6. Soda, Juice, and Alcohol

You’d be surprised at how much the cost of processed juice, soda, and alcohol throughout the year adds up to. Not to mention, it’s just plain not healthy for you

Stick with mainly water throughout the day, and get those 8 glasses in. 

Allow milk on the grocery list, but do try to limit the coffee and caffeinated teas. 

7. Pricey Services

You’ll also want to sit down and look at all of the different services that you’ve been paying for.

Are there any that you can either start doing yourself or search for cheaper places for the same service?

These services may include:  

  • Housecleaning 
  • Manicures/Pedicures
  • Hair cuts and colors
  • Pricey gym memberships
  • Drive thru oil changes 
  • Meal kit delivery services
  • Lawn care
  • Doggy daycare/dog walking 

Financial Freedom to Be a Stay-at-Home Mom

If you really want to become a stay-at-home mom, you’ll likely find a way to do it. There will certainly be some financial sacrifices in order to make that happen, but it will all be so worth it.

Consider downsizing to a smaller, older home, giving up that 2nd car, and ditching the cable or internet. You’ll need to take a detailed look at your budget, and stop eating out so much. Cut juice, soda, and alcohol from the grocery list, start buying clothes, furniture, and other household items second-hand, and consider doing certain services yourself. 

By cutting these 7 expenses, you’ll have more financial freedom to be able to stay at home and raise your children.

If finances are still really tight after making these adjustments, then you may want to consider finding a way to make some income from home

What About You?

What kind of cost-cutting sacrifices have you made to be a stay-at-home mom? Share your best finance tips in the comments below, and be sure to share this post with other moms that long to be a stay-at-home mom. 

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