For stay at home mums - how do you afford to be a sahm, and what are your weekly expenses vs your weekly incomings.
Sorry if this is a little personal ladies.
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02-02-2015 08:10 #1
For Stay at Home Mums
02-02-2015 08:29 #2
I have everything come out direct debit so there are never any big bills
We live frugally - I don't get my nails done, we don't really go out to dinner
We don't use credit ever, everything is paid in cash (although we're hoping for a car loan soon)
02-02-2015 08:45 #3
We have very cheap rent because we live in a tiny granny flat.
I cook most of our dinners, we rarely go out for dinner though we do get takeaway occasionally.
We would be doing really well if DF could learn to stick to the budget we make together
02-02-2015 08:56 #4
We have a small mortgage
Scarface for what is important for us that private schooling for our 6 kids.
Eating out is really rare. I have to save for a meal out about 2 months as it will be at least 180 for a sizzler meal.
Take out is carefully picked but we do it fairly regularly maybe once a fortnight in school terms and maybe weekly on holidays.
02-02-2015 09:09 #5
We rent but I have to say we could be paying off a mortgage at a lower rate.
I bake at least 50% of our snacks and the other half is thing like fruit and veg.
If we do get takeaway I usually give the kids a "special dinner" like nuggets, chips and veg and then once they're in bed df and I will indulge in our favourite takeaway.
I don't spend a lot of money on myself. I think it's been well over a year since I had my hair done, I don't get nails done or anything.
ATM no kids are doing extra curricular activities, but I have to say if you want a fun activity for the whole family visit your local pool. My family of 5 paid $10.70 yesterday and that was to stay as long as we liked.
I try not to buy too much packaged stuff at the supermarket.
I have a favourite recipe website that is my go-to and is great for when I take meat out of the freezer and wonder what on earth to do with it. Before I was a sahm I would have just said "bugger it", left the meat in the freezer and bought takeaway.
I utilise the local BSS pages on FB.
Buy birthday presents early and space them out. Pore over the catalogues and look for great deals or bargains- toy sales, clearance sales etc.
Not everything has to be brand new. We have a lot of DS, wii and in particular Skylanders stuff because we buy it second hand from places like EB games.
02-02-2015 09:32 #6
Thanks for everyone's replies so far ladies.
We aren't UTD yet, but already looking at buying the majority of our nursery and baby stuff second hand to save money. It's so nice hearing from you all, as I cant really ask my friends these things and it really helps, so thank you
02-02-2015 09:40 #7
We couldnt afford for me to be a SAHM when DS1 was born as DH was an apprentice so I worked nights (7pm-2am) which was rough!
Ive been a SAHM since DS2 was born 4.5 years ago. We rent (though mortgage would be around similar cost) I am frugal, I menu plan and check out sales etc. We dont have an expensive lifestyle, we rarely drink we dont smoke, when we eat out we go for specials nights ($10 steak night etc). We're quite lucky in that we can still afford for our boys to do extra curricular activities and DH and I take turns to go out with our friends (we rarely get to go together though) because DH works overtime a lot, especially at the moment as his work is crazy busy. But I alwayd make sure that our outgoings are no more than DH's base wage - I don't want to be dependent on the overtime pay because it wont always be there.
02-02-2015 09:57 #8
My best tip would be to be organised. Meal plan, pack your own lunches and snacks when you go out, have a coffee at home before you leave so you're not buying them. Freeze extra meals so you don't have to resort to take away. Find out about cheap or free activities in your area. Library rhyme times, playgroup etc. we have annual membership to the zoo and museums so we can always go without thinking about costs. 2 or 3 trips and they've paid for themselves.
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02-02-2015 10:04 #9
We have a small mortgage and go without having a brand new car or big holidays.
02-02-2015 10:20 #10
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