Skip to main content

4 Ways Mom Can Stretch the Household Budget

You’re a great mother, and you take pride in your children’s upbringing. The problem is that money can become an ongoing issue. You need to save cash when you can. Here are four ways moms can stretch the household budget.

Shop Smarter

Image via Flickr by stepnout
Groceries take up a lot of your monthly budget. Feeding your family is expensive, but you can stretch your money by shopping smarter. Most grocery stores still place ads in the newspaper. When you get the latest sales circular, compile your grocery list. Plan your weekly meals around the loss leaders: the items sold for less than the business would like. You can save a lot of money with a bit of planning.

Consolidate Bills

Do you have some credit card debt? You should think of credit card interest as an invisible gremlin that swallows some of your hard-earned money. The amount of money that you owe will actually increase each month if you have a lot of debt, high-interest rates, and low monthly payments. If you always make minimum payments, you’re giving the credit card issuer cash that you could use for other purposes.
You should research a consolidation loan. Pay special attention to sites such as Prosper and Lending Club. They’re crowd-funded lenders, which enables them to offer better interest rates. You should have no problem finding one with a lower interest rate than your current credit cards. The savings you gain from combining your bills is found money for your family.

Personalize Gifts

When you buy gifts for loved ones, you probably choose tech toys or branded merchandise. You might even offer gift cards. A better option exists. Start personalizing your gifts. In lieu of something that will wind up in the closet anyway, buy a monogrammed frame from Shutterfly using coupons to save money. Then add a picture of your family. Your purchases can even contribute to helping those less fortunate than you.
You should have no problem finding a discount. In fact, a lot of companies have deals that involve charitable donations when someone makes a purchase via Coupons For Good. The next time you buy flowers for a loved one, you can save money while helping charity by using 1-800-Flowers coupons.

Simplify Expenses

Are you still paying for cable? How much television do you actually watch each day? Cord cutting is very popular these days. One of the reasons is that many of your favorite programs are available online. You simply have to pay a streaming service a few dollars a month to gain access to thousands of hours of programming. In fact, you might even find free shows that you like on YouTube.
Similarly, do you have a telephone landline? How often do you use it instead of your cell phone? You should get rid of it. While you’re at it, call your cell phone carrier and ask for a better deal. The worst it can say is no. If it does offer a discount, that’s more money for your family.

As you can see, plenty of opportunities exist to help you stretch your budget. Follow these suggestions to live more comfortably with your current family income.


Popular posts from this blog

Top Tips for Moms Taking Online Degrees

  Online degrees can often be the best option for moms who want to get back into education due to their flexibility and the wide range of subjects that there are available for them to study. However, online degrees are not always plain sailing, and to make sure that you can get the grade that you deserve, read on for some top tips for moms interested in taking online degrees.  Choose the Right Degree Choosing the right online degree is vital to your success. Picking a subject that you are passionate about and that you have a natural talent for will ensure that you can breeze through your course and ensure that you have the motivation to continue even when you do struggle. If you are looking for an online degree that is perfect for moms, a Bank Street Early Childhood Leadership certificate can help you to advance your career in teaching, build upon your previous qualifications, and allow you to get a career that can be easily juggled with the commitments of parenting.  Balance Family a

Liquid Chalk spray! Chalk Idea #7

Last week we tried out the fizzing sidewalk chalk- click here to read that review. This week it is liquid chalk spray.  They are a bit similar but yet different.  Here is how to make it: Supplies: 1 tsp. washable tempura paint 1 cup of hot water 1/2 cup of cornstarch squirt of dishwashing liquid 1 squirt bottle- I found them at the dollar store 1.  Add cornstarch to one cup of hot water whisking to mix so that there are no clumps. 2.  Add one teaspoon of washable tempura paint and a quirt of dishwashing liquid.  Mix well. 3.  Pour it into your squirt bottles and shake well. 4.  Go have fun!!!   This kept my daughters attention much longer the the fizzy chalk last week.  I also think this was easier to work with and just more fun in general.  I love seeing the chalk wet but then to see it dry.  I think it dried darker so it was fun to see the changes.  :)  Ready, Set, Go!  Have some fun! She is my little model... she kept saying "take my picture mom." She is like her

Toddler Rainbow Craft for St. Patricks Day

St. Patrick's day is March 17th so its approaching quickly.  I have a few ideas on art and food projects that i want to do with the kiddos.  Hopefully I will have enough time to complete them and share them with you.   This was a super easy one for those little hands.  I cut the stripes of colored paper but if you are working with a preschooler or school aged child then they can practice cutting.  The two toddler boys here only had to glue the pieces on their piece of paper.  EASY, but they enjoyed it!  :)  It sure has brightened my kitchen with them hanging on the fridge!  :)   I also talked more about the Promise God gave us with the rainbow since I know that history a whole lot better then the history of the Irish Holiday!