How can you afford being a stay at home mom?

Stay at home, mamas- HOW do you afford it?! Especially wondering for those of you whose husbands don’t make that much money. I just don’t understand how it is possible with a mortgage, bills, etc, and I want in!


Mines called backpay and disability

My husband does have a good job. Otherwise we couldn’t afford it. :upside_down_face: He works a ton of hours 7 days a week though too.

1 Like

We don’t. Which is why I’ve put in 40+ applications, but so far have come up with nothing.:confused:


Following! My husband would like me to be a stay at home mom (which I am fine with trying!) but I look at our finances and don’t see how it’s possible!

1 Like

Not everyone can. You have to have a partner that has a good enough paying job to afford to pay for everything alone.


My husband and I have saved and worked hard to get to a position that allows me to raise our children. We tackle debt with the snowball affect. We pay off smaller bills when we have extra money. We don’t do credit cards and we primarily pay for things with cash. Our house is paid off too. I will say he’s a hardworking man who has always worked 40+ hours to give us this life.


Your husband has to make enough to support the family. Cut all extras. A lot of SAHM will try to watch someone else’s kid for extra money or some kind of side hustle that can be done at home

1 Like

Create a budget, see if it’s possible one income…cut expenses whenever possible. If you don’t NEED it, get rid of it.

1 Like

My husband makes a decent amount. Enough to cover all the bills. We don’t have fancy things but we are fine with that. Childcare for 6 kids would be really expensive anyways.

1 Like

Same way a single parent without child support Does it. The other half has to bust their ass, hustle, and support that family without excuses🤷🏽‍♀️

We budget budget budget. My husband has a good job but works 60 hour weeks so it’s hard with him being gone a lot, but for us it’s worth it so our son doesn’t have to be in daycare. We changed to a smaller cell phone plan, changed car insurance, dropped cable and did netflix & Hulu, etc. Small stuff like that can add up quick.

1 Like

I don’t, but I also couldn’t afford daycare. Just waiting for the opportunity to move somewhere cheaper and downsize our bills.

1 Like

I think the only reason I am able to saty home is because our home has no mortgage and our cars are inexpensive

My husband and I own our own painting business and I have my own business grooming dogs at my home. I’ve been a stay at home mom for almost 4 years now. It’s not easy.

We are a family of 5 about to be family of 6 and we live off my husbands job of $15 an hr with no government help. It’s all about budgeting and living within your means. We don’t get to do lots of extra stuff and buy fancy things etc… but that’s okay for me. We had a ton of extra cash when we both worked but spent so much money on childcare it was ridiculous. I have loved staying home and look forward to it when this baby comes.


Drive an older car, only have one car, don’t eat out, buy clothes at second hand or swap with friends, no nail salons, no ca bl le tv, read books, play games, do crafts, cook, etc.


My husband has a pretty decent paying job, I balance the “bill book” every month and have so many bills set to each check (he’s paid weekly) there isn’t a huge amount of extra money so things that are not needed we live without. However I did the math and we save more money with me not working then sending the little to daycare and not having someone home to help the oldest with school work.

My husband has a pretty good job and is offered a LOT of over time. He also is 80% disabled with the VA which helps tremendously.

We moved in with my parents :woman_shrugging:

1 Like