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Jul
27

Are you financially able to be a WAHM?

By

Our economy is troubling right now. Many people are losing their jobs, taking pay cuts, or losing hours so that businesses can continue to keep their doors open. The economic problems are affecting everyone, not just the people that are losing their jobs or taking pay cuts.

If you are a work at home mom or a stay at home mom, this can cause stress in your life. If your spouse has lost his job or taken a cut in pay or hours, you may be feeling the stress of knowing that you may have to go get a job to help make ends meet. I know this is something that you don’t want to do, so this article will show you some steps you can take to make sure you don’t have to get a job outside the home.

• Store

One way to save money at the store is to buy only the items that are essential. Don’t buy that awesome shirt that you just know would look great on you, don’t buy that must have pair of earrings to go with that new dress that you purchased, and don’t buy your husband that cool hat that would be an awesome addition to his hat collection. These are luxuries not necessities and so if it came right down to it, these could go by the way side.

Another way to save money at the store is to consider buying in bulk. If you have a Sam’s Club or Costco, you should consider buying your meats, chicken, and canned goods there instead of the grocery store. You will save money in the long run because these items can either be frozen or left on the shelf for several months.

One last option to consider at the store is to purchase generic items when possible. If you think about it, can you really taste the difference between name brand and generic French fries or soup? There may be certain items like cheese or lunch meat that you will want to purchase a name brand rather than generic, but if you can consider generic as much as you can.

• Meals

As Americans, we spend a lot of money going out to eat. It’s easier than cooking and takes less time, but it’s more expensive and it’s not good for us most of the time. Think about how much money you spend when you go out to eat. A family of four can easily spend $35-$40 at a sit down restaurant and $25-$30 at a fast food restaurant. If you did this once a week, you would be spending any where from $100-$160 a month just on four meals. If you go to the grocery store, you could fix four meals for $25-$35. That would give you an extra $75-$125 that could go towards bills.

When you create your meals consider making larger portions and eating them for lunch the next day or freezing them for another dinner a week or two down the road. You can put these meals in a pan, place in the oven or on the stove top and heat them up in a short amount of time and have your meal ready to go.

If you truly want to stay at home with your children, run your business, or both, you will find ways to save money so you can continue to keep this a reality. Cut corners where you can, do things yourself rather than paying someone to do this, and do more inexpensive things and you will be able to save quite a bit of money. Be a frugal mom when it comes to your spending habits and you will be able to stay at home where you want to be.

About the Author:
Corrie Petersen runs a successful Virtual Assistant business. She enjoys helping others reach their goals and dreams. Check out her website at www.virtualfreedom4you.com. Article Source: http://www.wahm-articles.com

Comments

  1. Diane says:

    Excellent post and right on! I am a single parent and those are exactly the steps I have followed for years to keep costs down and be able to pay my bills. Having been self-employed for 5 years, with the cash flow up and down, we can get by sufficiently whether the money is there or not.

  2. Lucky says:

    Great, It is nice of you to post something helpful for budgeting and being practical.

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