Money Tip #1

I mentioned in my "about me" that I used to be a working mom. I always thought I would be a working mom, but the stress just got to be more than working was worth. I had a 40 minute commute each way. I was so exhausted when I got home, I did not feel like I was being a good mommy or wife. I knew this wasn't for us. By the time I figured out daycare, gas, a couple of lunches out a week, and clothes for work, I really wasn't making that much at all. By the time we cut out things we really didn't need like, eating out a few times a week, shopping for too many "wants", and just watching a bit more how we spent our money, I knew we could swing me staying at home. In order not to feel completely financially deprived, I decided to start watching a few kids in my home. I didn't want to do it just for the money. I do love kids, plus it was nice to have other kids for our own kids to interact with.  It was the best decision I have ever made! I have never once looked back about working outside of the home.

If you are trying to make that decision, but don't think you are quite ready to stay at home all the time, look into other options.  I have many friends who work a few days out of home and a few days are spent home without work. It never hurts to ask if your current employer would be up for that. 

I will try and give some tips each week that help us save some money without a second full-time income.

Money Tip #1

Limit your shopping! This takes some time to give up, but you just have to do it. I used to shop about once a week at Target or the shopping mall. I was "bargain" shopping, but it was for stuff I really didn't need. It just sat in the closet or cupboard and took up space. I probably spent $30 a week. Take that times for weeks a month and you have a savings of $120. You aren't going to need all of those clothes or whatever your weakness may be. Think about some of your recent purchases and see if they were really "needed". I'll bet you will be surprised. Good luck!