3 Rules to Save Money on Everything

Don’t miss these 3 rules to help you save money on everything (even with distractions tagging along). They are a must to help you stick to your budget goals this year and every year.

Saving money is always at the top of everyone’s to-do list.Fatten your wallet with these 3 rules to help you save money on everything!

 

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Saving money is always at the top of everyone’s to-do list. Even long after the stamina of the New Year’s push has faded, you still want to save money whenever and wherever you can.

Of course, then you’re in the store with 3 kids and you focus quickly becomes the incessant requests for items from little mouths and trying to get everything on your list (assuming you remembered to bring it this time) before the next outburst over a you said “no” to.

You finally reach the checkout and you’ve spent 50-100 dollars or more than you planned to spend. We’ve all been there but it doesn’t have to go that way.

 

Saving money is always at the top of everyone’s to-do list.Fatten your wallet with these 3 rules to help you save money on everything!

1. Have Patience

The majority of overpaying for items comes from hasty and impulse purchases. With the possible exception of groceries and fuel, you should never purchase something immediately without planning. This can be a hard discipline to get into but as with all skills will improve with practice. If you are at the store, see a pair of shoes, and suddenly remember that your son needs a new pair chances are that you will throw them in the cart and purchase them. Resist. Instead write a note, snap a picture, or send yourself a text reminder. Use the reminder later to look for discounts online or take a trip to a thrift store. In addition to helping you save money immediately, this rule will help you more easily distinguish between wants and needs. This helps you save even more in the long run. Here are some tips to help you do this:

 

Saving money is always at the top of everyone’s to-do list.Fatten your wallet with these 3 rules to help you save money on everything!

2. Put the Word Out

You would be amazed at what you can get for free when you simply put the word out to family and friends of what you need (or are looking for). This can be everything from craft supplies and clothes to furniture and toys. Even if you don’t get the items for free, I guarantee it will be much less expensive than buying the stuff from the store. Again, this one will require having patience but it is absolutely worth it. Just in case you want further proof, here are just some of the items I have gotten for free just by putting the word out with friends and family:

The list goes on and on. This is a fantastic way to save money and it also helps out the people who are giving you the items. This was they don’t have to worry about finding the time and means to get rid of the items.

 

Saving money is always at the top of everyone’s to-do list.Fatten your wallet with these 3 rules to help you save money on everything!

3. Shift Your Thinking

One of the best (and often most difficult) habits to form is to shift your thinking. Look for creative solutions to your problem. If you need a grocery list or other small notepad, cut up old papers that are blank on one side and staple them together. If you need a seat cover for the backseat of your car, see if you have an old blanket or tablecloth that will work. This rule, along with rule 1, also takes practice but here are a few ideas to help get you thinking:

Need/Want      Solution
TV Stand   Table, desk, or buffet
Receipt Organizer   Old jar, small photo album, or coffee can
Tablecloth   Flat bed sheet
Baby Doll Clothes   Infant Clothes
Bathroom Rug   Bath Towel

These rules may not be immediately intuitive. They will start to become habits over time with use. The best part is that they can be applied to any purchase. The immediate savings that you experience can help fuel the long-term development of these rules. They have save my family thousands over the years and I know that they will save you thousands as well. Want some extra help to get started shifting your thinking? Let me know a need or want you currently have and I will try to give you some solution ideas!

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The Real Reason You Can’t Be a Stay-At-Home Mom

There are hundreds (possibly thousands) of articles out there telling you how you can be a SAHM but the hard truth is: it may not be the life for you. To help you decide, here are 8 reasons why you can’t be a stay-at-home mom.

Being a stay-at-home mom is very much a choice and the truth is, it's not for everyone. Here are 8 reasons why you can’t be a stay-at-home mom.

 

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As a stay-at-home mom (SAHM) you often hear how lucky you are to be “able” to stay home with your kids.  That statement is usually followed by, “I wish I could be a SAHM mom.”

These comments aren’t generally coming from a place of malice so when I would hear them I would simply smile politely or make some non-committal response.

Unfortunately, when you are a SAHM working your but off for your family, these statements can seriously piss you off no matter how well-intentioned. Why? Because being a stay-at-home mom is very much a choice and as with anything in life, if you want it bad enough then you will find a way to make it happen.

Being a stay-at-home mom is very much a choice and the truth is, it's not for everyone. Here are 8 reasons why you can’t be a stay-at-home mom.

You Don’t know how to budget

Budgeting skills are essential to being a SAHM and living on one income. You need to know exactly where your money is going and why.

If you are cutting your income in half this skill is even more important. You have to know where all of your money goes before you can figure out where and how to cut back.

Work is the only time You spend outside the home

Being a SAHM can be incredibly lonely, especially when your kids are little. If you can’t think of a hobby you do outside of the home or if you are the first of your friends to have kids, chances are being a SAHM won’t work for you.

Taking care of yourself comes more naturally when you work outside the home. You get time during the commute to recharge with some tunes alone or you enjoy a lunch out with your coworkers.

Once you are a SAHM you have to be incredibly intentional about making the time to recharge and socialize.

 

Being a stay-at-home mom is very much a choice and the truth is, it's not for everyone. Here are 8 reasons why you can’t be a stay-at-home mom.

You dread Cooking

Having meals at home is key to saving money, whether both parents work or not.

If you’re not willing to meal plan (sometimes having to plan how leftovers will be made into another meal) then stick with it, being a SAHM isn’t for you.

Even if you aren’t going to be at home, you still have to figure out a way to save money on food on the go.

You can’t say “no”

As a SAHM people assume that you have all of this free time. This leads to friends and family making more demands on your time.

Grandparents think that you can run an errand for them. Friends with kids always call you in a pinch. There will be no time that is truly respected as “Do Not Disturb” because it’s assumed that you are technically always available.

If you struggle with saying “no” and setting firm boundaries, then try to hone those skills before becoming a stay-at-home mom.

 

Being a stay-at-home mom is very much a choice and the truth is, it's not for everyone. Here are 8 reasons why you can’t be a stay-at-home mom.

Perception is important to you

SAHM’s are under appreciated, under paid, and very akin to slave labor. Chances are, the people inside your home will never realize how much you do and the people outside of it will assume your life is easy.

If how people perceive you and your value is important to you, then a SAHM is not the job for you. It’s incredibly rewarding but also thankless. Which leads to the next reason you can’t be a stay-at-home mom below.

Being a SAHM is not easy

In fact, it is incredibly hard. When your kids are home all day, messes are made all day.

You are responsible for making every, single meal and serving snacks. That inevitably adds to your never-ending pile of dishes.

You fight to establish a routine and get incredibly mad when that routine is balked because it throws off your entire schedule and leads to cranky kids.

 

Being a stay-at-home mom is very much a choice and the truth is, it's not for everyone. Here are 8 reasons why you can’t be a stay-at-home mom.

You aren’t a fan of late nights

As a SAHM, you will get less sleep than you did before. You’re forced to use the precious moments when kids are sleeping to get things done that you simply can’t focus on while they’re awake.

If you usually update your calendar, pay bills, and the myriad of other life tidbits at work, now you have to find time to fit them in.

You Love your current standard of living

This one is huge and, I would argue, is the number one reason you can’t be a stay-at-home mom.

If you aren’t willing to give up your cable television and morning latte then being a SAHM isn’t for you.

If you are living on 2 maxed out incomes, you can’t expect to go to one income and keep the same standard of living.

You have to prioritize and sometimes that means not even having Netflix and learning to make your own bread. If you’re not willing to live like that, you can’t be a SAHM.

Luck Has Nothing to Do With It

I wasn’t “lucky” to be a SAHM. In the beginning, I sacrificed like crazy and worked my tail off to be able to do so because I wanted it bad enough.

I learned to make a lot of our food from scratch like Poptarts, bread, sauces, and more. It was hard work to make but the ingredients are much cheaper and saved us a fortune on groceries.

All of our furniture and décor was hand-me-downs. Clothes and toys were either given to us, thrifted, or handmade by me.

I budgeted constantly and stretched every penny as far as it would go and then some. At one point, we were even down to one vehicle. These were the hard choices we made to live that lifestyle.

If you aren’t willing to live your life like that, then you can’t be a stay-at-home mom. Most importantly, there is nothing wrong with that. Working outside of the home doesn’t make you less of a mom.

Doing what you need to take care of you and take care of your family is the only true requirement of motherhood. That doesn’t always mean staying home with your kids. If that is you, own it.

Besides, that jealousy goes two ways. Sometimes that SAHM is envying your ability to get out of the house kid-free and be around adults every day.

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Resources to Help You Rock the SAHM Thing:

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