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Affording to Stay at Home

Affording to Stay at Home

This article is amazing! Check out how Nikki was able to stay home AND save money!

by Nikki Pennington | staff writer for The Snap Mom

Becoming a stay-at-home mom (SAHM) to three boys under the age of five might sound scary or even impossible. However, we have made it work with one income for over a year now. Before I became a stay-at-home mom, I worked for a large non-profit organization. I was there for over seven years, loved my job, was able to work from home two days a week for over a year, and had a flexible schedule. I honestly loved working, I felt a sense of pride being able to help provide for my children and not put the entire burden on the shoulders of my husband.

After becoming pregnant with our third son, I felt it was time to make the move to become a stay-at-home mom. Not to mention after adding everything up and the expenses we were paying, I was bringing in around $50 a month!!  We have a vehicle payment, rent, babysitter, grocery bill, electric bill, cable bill, gas money, diapers, wipes, formula, health insurance, and other living expenses… and after we paid it all, I was only bringing in that tiny amount. It was at that point, we decided that amount was just not worth it.

Taking the plunge was scary, but we have actually saved money since I have become a stay-at-home mom. Yes, you read that right, saved money. You can too!  I have compiled a list of ways we saved money and cut corners when I became a stay at home mom.

Work-Related Savings

  1. We were no longer paying for a sitter (or daycare) while I worked.
  2. I no longer needed nice/new clothes for work.
  3. I was not eating out every day with co-workers.
  4. No longer paying for gas to and from work and the sitter.
  5. Was no longer using my cell phone minutes for work-related calls.
  6. I no longer resorted to fast food for dinner because I was tired from the work day. I can now utilize the crock-pot and make meals that are healthier, cheaper, and last for leftovers.
  7. No longer needed to buy presents for co-workers for holidays or birthdays.

Miscellaneous Savings

  1. We found cheaper car insurance.
  2. Because my husband does not have health insurance through his work and I was no longer working, Obamacare offers lower insurance rates.
  3. For our own birthdays (my husband and I) and for all holidays that require a gift, we ask for diapers, wipes, gift cards or cash instead of other “need” items.
  4. We buy used. Our own clothes, toys, baby items, and furniture you name it!

Ways I make money from home:

  1.  I have an Etsy store. I make things and sell things on an Etsy store, the money is not consistent but it is extra income that can go towards our grocery bill or any extra expense for the month. Maybe that homemade all-natural hand sanitizer all your friends rave about could be earning you extra income.
  2.  I blog. I’ve always loved to write, I never thought of it as a way to earn income, I was wrong. I have a free blog page and Google pays me for displaying ads on my blog due to the amount of traffic I have. It’s not much but every little bit helps! This can go even further and you could turn your blog into an e-book. You can create your own e-book for free and simply gain profit from it.

Every mom is good at something, you just have to find out what your talent is, be creative, and use it. Here is a list of a few things you can consider to earn extra income while staying home.

Other Ideas

Freelance writer

If you love to write, there are plenty of places online that pay you to write for them some pay per word, and some have a set amount they pay. A friend of mine was once paid $100 to write an article for a children’s website.

Virtual Assistant

This is a self-employed position and can be anything from helping someone set up a blog to helping someone promote their social media pages.


Maybe you are good in a certain subject or even proficient at playing a certain instrument. Offer tutoring sessions in the evenings once your significant other is home or offer music lessons.


Since you are home, why not offer to watch another child through the week and earn money while doing it.

Coupon Coach

Are you good at couponing? Why not make money while helping others save money! Have people pay you to learn how to get started with couponing, set up coupon classes/workshops and have people pay to attend.

 About the author:


Nikki is a stay at home mom to three high spirited boys. Three years ago she became a motherless daughter after losing her own mom to terminal brain cancer. When she is not playing the role of referee for the boys, she spends her days trying to encourage and inspire others that are on the grief journey.