Mothering Forum banner

1 - 13 of 13 Posts

·
Registered
Joined
·
2,328 Posts
Discussion Starter · #1 ·
I have a beautiful healthy baby boy who is 3 months old. SO works 5am-3pm, and I've been home so far with little Elias. I love it. We've got such a good bond, and our nursing relationship is wonderful. We aren't really making enough to get by, though. What are ways to save money in our home, thins that you might have done so that you can stay home with your wonderful little ones?<br><br>
If I go back to work it will be in the evenings so that SO can watch Elias, and we won't need to hire a sitter or put him in day care. Taking him with me isn't an option. Which baisucaly means that I'll never see SO and I won't get to spend that relaxed time with DS. I'll be doing nothing but housework and feeding while I'm home, and working full time. With me home, I'm taing care of the baby and the house, and it's al good. We're able to relax and unwind at the end of the day, and I'm afraid that the stress level is going to go WAY UP if/when I go back to work.
 

·
Premium Member
Joined
·
3,471 Posts
I am in the same situation as you except that SO works 5 to 1. I would be working 7 to 3 most days so I'd leave at like 6:30 to get back at 4 which is when SO would leave for work. We'd really only have time to pass the baby off to each other. I am really considering my options and trying to see if I can make being a SAHM really work. It's times like this I wish I was more established financially before I had a baby but, to be honest, before I had a baby I didn't realize that I would even want to be a SAHM. Anyway, I don't have any real advice. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/redface.gif" style="border:0px solid;" title="Embarrassment"> I just wanted to let you know that someone else is in the same boat. Some options I'm considering are babysitting another child, tutoring (I have a degree in childhood education), and baking (I'm a vegan baker)--I'm not really sure how to make a go of any of those things but I'm working on it! Maybe you could also parlay some of your skills into a business/way of making money!
 

·
Registered
Joined
·
2,328 Posts
Discussion Starter · #3 ·
<div style="margin:20px;margin-top:5px;">
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>rootzdawta</strong></div>
<div style="font-style:italic;">It's times like this I wish I was more established financially before I had a baby but, to be honest, before I had a baby I didn't realize that I would even want to be a SAHM.</div>
</td>
</tr></table></div>
Yes! Me too. Elias was a surprise (not unwanted, just unexpected). and we are 21 and 24, not really at the peak of financial stability. I'm looking into doing something with my artwork...<br><br>
We're getting a nice tax refund, and we're going to buy a new (to us) car.. But I really think that we are going to sit down and go over everything in our budget. We have to free up some money somehow. If we could get by on one income, I really think that the quality of life would be so much better. not so much stress, YK?<br><br>
Thanks, though. I know it's tough for me.. But it feels nice to know I'm not the only one.
 

·
Registered
Joined
·
1,159 Posts
If I could have readjusted things to stay home I would have done it in a second. I didn't look at things objectively enough to SEE changes that were possible. I ended up quitting my job and sending my family into a very difficult financial patch... BUT totally worth it because my mental health improved dramatically after leaving the job! Anyway... I would definitely recommend looking at EVERYthing with a VERY critical eye and trying to make lots of changes to save money. Here are some things I've learned (since quitting) that have helped reduce our monthly output:<br>
-get rid of the extra TV stuff! that $50 for directTV was a huge expense when it got right down to it!<br>
-change phone companies if at all possible to reduce that bill<br>
-change internet service provider to reduce that bill<br>
-consolidate bills with the bank load to reduce the overall interest rate and monthly payments<br>
-quit the extras (one of my BIG ones was a monthly book club, which turned in to 3!)<br>
-don't eat out - make my own food, this generally saves LOTS<br>
-don't worry about providing STUFF for the baby - who wants to create a materialistic little bugger when it comes right down to it??<br>
-shop the thrift stores! (in my area there are at least TWO good baby thrift stores!) I get all DD's clothes from these places and people would never guess!!!!<br>
-make plans when driving and stick to them - that extra gas $ adds up!<br>
-we don't go to the movies, we don't go out to eat much when/if at all for any reason, and our dates often consist of drives in neighborhoods we want to try to move to sooner than later (good to see them in each season and different times of day!)<br><br>
There are probably some other really great ideas in the living frugally section in a forum sort of far down the list. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"><br><br>
I hope you can stay home. I do believe HAVING to return to work was a blessing for me, though. It helps me now realize that I'm MUCH better off staying home. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">
 

·
Registered
Joined
·
663 Posts
cloth diapers.<br><br>
Make your own babyfood<br><br>
Miserly mom's is a good book and her cook book Miserly meals is also good.<br><br>
the frugal board here is good.<br><br>
google "second income calculators' to see how much your salary is really worth post taxes. I think we do better financially since I quit and I made good money. But I "make" money by saving it with my time and we have a lot less taxes so my dh's salary (which didn't change) became more since he had less withheld for taxes.
 

·
Registered
Joined
·
2,328 Posts
Discussion Starter · #6 ·
Thanks Mamas! I'm going to call tomorrow and get the home phone scaled down. We're in a 2 year contract with the cell, and quite honestly, we need it on the road.<br><br>
We are getting a new car with the tax refund, which takes 1/2 of it. But, it's a stick, so the gas mileage will be better.<br><br>
We don't have cable, and rarely rent movies.. But I think we are going to start utilizing the library a lot more for entertainment.<br><br>
We only pay $15 a month for DSL. I NEED the internet. Without any kind of TV, it's my news.<br><br>
We don't have any kinds of loans or anything, but we do have debts to pay off.. We're going to tackle them one by one to get our credit looking a lot better.<br><br>
We don't have many extras.. We quit the big one when the baby was born. No more party.<br><br>
We were bad about eating out, but now SO's cousin is a manager at a local italian place. We eat free. We leave about $10 tip, but with all that food and service, it's a bargain.<br><br>
Family has bought EVERYTHING for the baby. We've spent, oh, maybe $40 a month, and that's just diapers. I'm looking into getting cloth.<br><br>
There's a HUGE thrift store circut here. I love them!<br><br>
We only really drive to the store and SO drives to work. It's really not that bad. Since our families live elsewhere, nowhere to go.<br><br>
We didn't pay taxes this year, and with the EIC and CC, we got back some pretty decent bank.<br><br>
I'll check the frugal board, and those books (library, of course).<br><br>
Thanks!!
 

·
Registered
Joined
·
13 Posts
Cloth diapers, the all in ones are best, but expensive, if you have a sewing machine you can make them though, I suggest sherpa inside, cotton fleece middle, flannel outside and wool diaper covers, you need at least 20 diapers and 5 covers, you can get flannel for $1 a yard at walmart and you can make your whole diaper out of flannel except for the cover, wool is best. They have cloth diaper patterns and direction links in this webpage. Also use cloth wipes, you can make these out of old t-shirts, just put in a tub with water and 1 tablespoon baby oil and 1 tspoon baby wash. Nursing pads are also easy to make.<br>
visit <a href="http://www.miraclediapers.com" target="_blank">www.miraclediapers.com</a> to see if you're eligible for free cloth diapers.<br>
And if you have any talents, sewing, crocheting, knitting, think about selling it on ebay, you could even just sell your old things. I always find plenty to get rid of in the closets and garage.<br>
Thrift stores of course and garage sales, I found a baby backpack carrier, a baby bouncer (brand new), a baby swing, all in excellent or new condition at garage sales, and I love baby clothes from the thrift stores, I can't even find baby clothes I like in department stores.<br>
Make meals in bulk, if you can freeze then you can make cheap meals that save time and money.<br>
And don't underestimate friends, when someone has a baby older than yours make it known that you accecpt donations of used clothing and baby stuff, when I used disposables for example my baby was always growing out of the diaper halfway through a jumbo pack, and I'm sure friends babies are too. I know plenty of moms with things tucked away in closets that were gifts that were never used and are looking to get rid of.<br>
Hope this helped!
 

·
Registered
Joined
·
2,439 Posts
I had to work to make ends meet, and I have to admit, its nice to have a little extra money to do what we want with. What we did? we downgraded our cable and cut corners everywhere possible, no extra phone services, etc. I work very part time. I clean houses one day a week, while my mom watches my kids and I work at a playgym one morning a week while ds is in preschool and dd is at my moms. The cleaning brings in the most money for the least amount of time, and My playgym has weekend bday parties I can work, just 2 hours and I can make $50 doing it, so I do those sometimes too. I did what I had to, and now Im home 4 1/2 days a week.. I love it.... I had planned on working full time when ds was born and I couldnt do it......
 

·
Registered
Joined
·
865 Posts
Everyone had great suggestions! Check out the frugality and finances board here for even more great ideas. I definitely suggest cloth diapers. You can go really, really simple, and spend less than $100 for the entire time your babe is in diapers....especially if you sew. I'd go with simple prefolds and wool covers. Wool covers are so easy to sew...just pm me if you're interested, and I'll send you instructions.<br><br>
Also, have you thought about ways to maybe make a little extra money at home? You can always browse thrift stores and garage sales for good quality children's clothing, etc. and sell it on ebay. Do you do any crafts? Baking? etc? I have a friend that bakes her own bread and delivers it around the area for extra money. The bread is excellent, and she gets to stay home with her kids.<br><br>
There's also a great website out there that focuses and saving money. Here's the section on living on one income:<br><br><a href="http://www.stretcher.com/menu/1income.htm" target="_blank">http://www.stretcher.com/menu/1income.htm</a><br><br>
Good luck!
 

·
Registered
Joined
·
3,272 Posts
Have you considered possible working part-time only? I agree with you about juggling the child care and working opposite shift--STRESSFUL! We did that for a few months and realized that it really was taking a lot out of us.<br><br>
One thing I did when I became a SAHM was to tell people all around me what I was doing. I ended up getting lots of "piecemeal" work offers from people who knew I was trying to add a little extra to our family economy. A lot of the NFL-type families and some older ex-SAHMs were particularly supportive. Here is an example of what I did to get by during that first year:<br><br>
1. Take-home, computer work for a child-care center.<br>
2. Cleaned at the public library a couple of hours a week (at night)<br>
3. Worked at a retail toy store on Sundays for a few hours so the owner could spend time with her family.<br>
4. Babysat (with ds) for a family who's nanny was on maternity leave.<br>
5. Worked the front desk at a hotel once a week so the owner could run errands (took ds with me)<br>
6. Provided child care and activities at a domestic violence agency so that women could meet with their service providers (brought ds with me)<br><br>
We didn't do that whole list all at once, though! Most of those gigs were a few weeks or a couple of months long, just here and there. Just made a few bucks here and there, and at the end of the month I was adding about $200-400 most of the time. It helped us "get over the hump", (and we moved to an apartment instead of renting our house, that was our other huge, HUGE money saver. We even found a 1100 square-foot apartment with FREE cable and high-speed internet-yay!)<br><br>
I just told everyone I knew, from church, from friends, from old jobs, that I had decided to be a SAHM and I was looking for odd jobs here and there. I gave them my number and name on a little card, and I actually had more "odd jobs" than I could take. People were very supportive of me.<br><br>
Anyway, I just wanted to tell you what I did, because it was very effective for my family. I hope you are able to find a way to make the best choice for you--whether it be WAH/SAH/WOH or a combination. Good luck!
 

·
Registered
Joined
·
2,328 Posts
Discussion Starter · #11 ·
Well, I think I've igured it out!<br><br>
I'm going to perform wedding ceremonies, as I'm ordained now! I'm going to offer a whole array of ceremony packages. First few that I do will be free, simply because I need the experience.<br><br>
Plus, I'm going to make things to sell on ebay.. Again, a lot of it will be wedding related, though I also do artwork and make jewelry, and make little crafts. That will be fun and interesting.. I'm going to make wedding cake toppers, and invitations, and stationary, and wedding favors.<br><br>
And clean out my apartment and see what treasures that I can find to post auctions for tomorrow.<br><br>
Thanks for the ideas!! I'm going to put up a sign for a babysitter in the mail room here in the complex. I'm sure I can take Elias with me to do that.. As long as there's only a couple of kids to watch.<br><br>
I'm going to try a few different odd jobs, maybe stuffing envelopes for local businesses, and I'm going to send my resume out to be an events coordinator at different apartment complexes. My SO's cousin is married to a girl that does it, and they get a very nice, VERY EXPENSIVE apartment for free. So, even if it was only half off, heck, that's AWESOME!<br><br>
Thanks ladies! Very glad to have your ideas. Thanks so much! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/thumb.gif" style="border:0px solid;" title="thumbs up">
 

·
Registered
Joined
·
2,766 Posts
Since you feel confident i am going to butt in!! I am taking some of the info posted above though too. I am also a SAHM that is strapped. My Dh is in the military (they say jump he says how high) AND works a part time job stocking shelfs at the grocery store. I feel SOO useless at home as I KNOW that I am capable of bringing in some money. I worked for 6 months when my son was almost 1 to almost 17 months. I HATED it, very high stress (aol cancel dept.), didn't make any friends, and never saw my Dh. I am very crafty and like to crochet and sew and even saw those machines that do designs and thought that would be the KEWLEST thing to have and considered doing crafts and selling them. Personalized stuff mostly as its "cuter" than dept. stores and could prob. sell at almost the same prices. The problem i have is that ebay is SOO flooded with stuff things only sell once in a while and I am not experienced with ebay. I am smart, love math, computers, typing and the outdoors (to an extent I am prego and can't lift or do manual labor). A friend suggested pet sitter or walker for people who can't be home during the day. Also when I move into base housing I was going to see if I could take on a full time kid to do "daycare" with. These are the only things i have found that MIGHT work. If you are experienced with the crafts and selling i would like to look at how much "start up" would be and how much i MIGHT be able to make. I live in Tucson, AZ lots of college students, military and retired folks.<br><br>
I am trying to cut expenses and plan to pay off my car next year with our tax returns but while i was working my hubby got his dream car and then i quit so that straps us and I don't want to ask him to give that up when he has 2 jobs for me.<br><br>
I got rid of the home phone, kept the cells, i NEED TV but when we move i am getting dish (cheaper at least a little) and I also may downgrade our internet to a slightly slower speed so that we can still download movies and music (my Dhs big thing) but not pay the premium. I am also going to have to cut our mutual fund as we just CAN'T afford it when we move (not a good thing but we are 21 so i hope in 3-4 years with the increases in pay my hubby gets without adding debt we can add retirement plans back into our budget). I have only bought a few new clothes (on sale or at thrift stores) for my prego self. I was always buying large clothes to fit my ds so most of last years clothes he can wear this year. We hardly go out to eat and i buy "boring" food for our dinners and lunches. These are mostly the things that I have thought of to cut down our budget but an extra $200-$400 a month would put me at ease.<br><br>
Thanks<br>
Danielle
 

·
Registered
Joined
·
1,523 Posts
we are still trying to cut back on things. we have cable which i am seriously thinking about getting rid of. dh needs his cell for work and we have a pretty hefty car note but again, he needs a truck for work because of all of his equipment and the fact that some days he is on the road for 2+ hours.<br><br>
my contribution with finances, A. buy generic pretty much everything except fresh produce. i just found a local co-op where i can get organics for the price of my regular veggies<br><br>
B. Probably the bigest thing is that I watch an ex-coworkers (she works at my old job) 4 month old little boy monday-friday. it is only $25 per day but that is really all she can afford and it brings in $500 per month average. it can be challenging but at the same time ds (7 months) has someone to play with and i adore the little guy that i watch. i have considered offering after school care for kids dd's age (7) since i know a few mom's in the area who use a local child care center, we will see how that goes. i don't plan on going back to work work until i have finished my teaching degree. i am hoping that we can keep up the way we are. it is hard, i won't lie and say that i don't eat pb&j a lot to decrease the bill, but it is all worth it.
 
1 - 13 of 13 Posts
Top