10 Ways To Afford To Be A Stay At Home Mom!
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- Опубліковано 9 лют 2025
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Do you wish you could be a stay at home mom, but the financial challenges seem too overwhelming? I'll share practical and easy frugal living tips to help you thrive on a single income.
Discover how to make the most of your budget and improve your quality of life. Whether you're aiming to be a stay-at-home mom or simply want to master the art of living well on one income, this livestream is for you! Don't miss out on these invaluable insights and strategies.
#stayathomemom
#sahm
#frugallivingtips
#howtosavemoney
#frugality
#savingmoneytips
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I agree 100%! Tawra please, please do a whole series on this topic. So many moms would stay home if they understood how to make it work financially, at least until the children are school aged.
Right again Tawra! It is difficult to go against society norms, but when you do, you are blessed. Keep on teaching women how to stay at home. When you live frugally, the world opens up to you.
I completely agree! 10 years at home with three kids. I feel for all the comments you will get. When I was new at staying at home my husband made $17/hour. We made it but no one wanted to know how I did it. Best school districts, high property taxes, how, brand new cars. I was once called offensive because I told someone this. 🤷♀️ our school district isn’t good. Very poor rural west Texas town. Guess what, I am on homeschool year #6. We are completely debt free, mortgage included. I don’t know. I get tired of the “I don’t know how you do it”. Well…. You don’t want to know. In my opinion.
I totally agree with you Tawra. Why is a career more important than your kids. I screwed up and fell for the lie and wish I could do it over. Now that I know what I know. Ladies stay home and be proud to take care of your kids and make them people that can function in society.
Ms. Tawra, my sister finally became a stay-at-home mom. She realized it wasn't worth paying for daycare. I think they'll be fine. My brother-in-law has a good job. Also, they are lucky to have two cars. My sister wanted a minivan, but didn't get one.
I think this is an absolute WONDERFUL video! I wish more families would figure this out so Moms would stay home!!! ❤
I agree with you over Dave Ramsey! I think a lot of problems in society will be solved if we had as many stay-at-home moms as possible!
I remember Amy Dacyczyn writing about figuring the cost of the 2nd income. I am so glad we made the decision for me to stay home. You can't put a price on being there for your kids and the peace that can be created by creating a happy home. I am almost 62 and my mom worked full time until her 3rd child was born when I was 4. As soon as he was in pre school, she worked again. I remember the days of waiting for her because I wanted to be home. I wanted to be home for my kids.
You are 100% right! I have heard it all through the years...I am 78 and raised our four children while my husband worked outside the home. Some women would say I have to work! Seeing their lifestyle I would just shake my head.
I knew from when I was a young, young child that I wanted to be a SAHM. I have four children ages 9,7,2,1 and I have been home almost 5 years, before that I took my sons to work with me.
I have felt SO MUCH lately that I should go back to school/work and asked God to give me a sign that I should stay home or not and then your video popped up. ❤🙏
This is a very needed video. Consider before you bring your baby into this world, who is going to be responsible for it and take care of it.
I've been a stay at home mom for 14 years now. My kids are now 16,14, and 9. I've started working at a preschool for a few hours and I'm home by noon and off Fridays and weekends. So it has been a great to be able to do both and help a little financially.
I remember when my Mom went back to work once us kids were all in school. Back then, women who didnt work were not allowed to contribute into the Canada Pension Plan (like farm wives Don't work😂) As the Oldest it fell upon me to handle getting supper started, watch my siblings, make sure all our after school chores were done and I remembering how angry i was as a 13 old kid to have that responsiblity.
As an adult, i realize that responsiblity has made the person I am. But, seriously, is the extra few bucks you make worth that burden to place on a kid? I grew up as a super responsible, workaholic. I could have easily wound up down another path. It truly is your kids that suffer.
I never wanted kids unless I could be a stay at home mom like June Cleaver . Today I have 2 adult daughters 25 and 17 . Because I always stayed at home with my girls as they grew up I taught them everything I could think of . My daughters are wonderful . All my years of teaching them the right way has proved that kids need their parents to keep them on the right path .
This video is absolutely spot on!
Well said! I totally agree. Great breakdown of the actual costs which most people don't think about! I saw your Valentine tree in the background & have taken a leaf out of your book! This year we've left our tree up & I've absolutely loved decorating the tree for Valentine's Day! For someone with illnesses that keep me mostly housebound it was a lot of fun decorating the tree & seeing the sparkly lights each night brings me great joy! So, thank YOU for that idea!! I'll be decorating for St Patrick's Day, Easter & Mother's Day & then the tree will go down for 6 months. Then we'll set it up early for my birthday on December 1st & turn it into a Christmas tree after a week or so of birthday fun!! Gotta have fun with decorating where I can. 🥰Blessings from South Australia💕🐨
Spot on Tawra. I drove some pretty crappy cars to be a stay at home mom back in the day but was always there for my kids no matter what. Now they are all grown and we are empty nesters. In a NY minute.😥😥😥
I have been a stay at home mom for 8 years. I make way more money now than I did working full time as a nurse. If we were to hire out all the jobs I do we would not be able to live the way we do. We wouldn't be able to live at all lol.
We have a 4 bedroom house on 1 acre of land we purchased in June 2022 and paid it off in June 2024. We have 2 cars we paid cash for. We cash flow vacations, Christmas, everything. We don't have any personal loans, credit cards, car loans, a home mortgage, no debt at all. My husband works 1 full time job. It's really not that difficult. MAJORITY (not all) of American families would have less financial stress if they cut down on all the extra costs associated with having 2 parents working outside the home. It costs more to go to work than people realize initially until they start thinking about it and adding it up
I'm a single mom and I agree with you! I wish I could be a SAHM.
Me as well
I felt that I needed to be home with my kids. Sometimes it's even more important to be home with pre-teens and teens. To much trouble they can get into without supervision after school.
Agreed. I was so happy to stay home, especially after my kids were jr high and high school. God bless.
Amen! I've been saying this for YEARS! I dealt with this when I was teaching. It was especially bad bc we were/are teachers! (admins were supposed to be more "understanding" bc of the child-centered profession). Younger teachers would take off DAYS bc their kids were sick (even though I saw one after work out and about in town with her "sick" kid!). It puts more work on those of us who do not have kids. Had principals who also gave easier schedules and work assignments bc "they have little kids!" All the while, these people were driving new cars, paying over 1k a month for daycare and wearing the latest and greatest designer clothes. Priorities? All backward!
Amen! Preach it sister! I agree 100%.
I stayed home and did daycare when my two children were small, we had no car, Dad took the bus, we walked. When they went to school I got offered a good paying job in a factory so Dad stayed home, I worked for 15 years in the factory and it enabled us to buy our first home which we turned around and sold for double enabling us to retire early debt free, mortgage free. It can be done with some planning, I would leave for work at 6:30am and be home by 3:30, Dad would get the kids ready and walk to school, I would get the meal ready the night before and Dad would pop it in the oven ready for dinner, he also learned how to cook etc, I never missed a days work and in summer I had 3 weeks paid vacation to spend with everyone, we had the benefits from work to cover dental etc( btw we never did buy a car to this day we make it work by bus, walking or a taxi if needed )
As a special needs son myself I completely agree with you 💯 I was very fortunate to have parents in the 2000s who had one stay home, for the first 7 years of my life my dad was the stay at home parent and my mom was a teacher in the public schools and then we found out that public school was a complete disaster for me with my disabilities. So mom quit teaching and dad went back to work and my mom homeschooled me and my brother for all our schooling and yes! We lived very tight, one car half of that time, living in apartments and cheap rentals, nothing bad or nasty just not high end. I’m sure it wasn’t easy but I am so grateful that my parents didn’t buy into the crap. I would have really had it extremely hard if both parents worked, there’s no way I’d make it. Public school for one year was way too much for me, I can’t imagine 12 😬😳
I dropped down to working 2-3 days a week during my daughter's school day we have saved money this way.
You are so RIGHT!!
100% agree with this! I left my career and was home with my kids (even homeschooling them) until they were in high school and went back to work part-time. I now work full-time and we are still living frugally as we did on one income and just saving as much as possible. It can be done and you can live well. It’s all about priorities! 😊
I agreee.
Ive done both. Stay at home for years and work on and off when we're tight. Let me say .... When i work, our family falls to pieces..... And so do I! Bosses getting mad because kids got flu or covid.....
Not anymore.
I make our own meals, i manage the financials...etc.
I hope you’re all feeling better . 😊
So important! ❤
Hope you’re just dumping any hate mail that comes your way.😂
We homeschooled three children all the way through high school in a foreign country with no support group and on a tiny budget.
Oh yeah, and I was 38, 40 and 42 when I gave birth to those children.
No excuses, people. When you seek God’s kingdom first, He makes a way.
Even with earthquakes, typhoons, floods, language barriers…
By the way, my mom stayed at home with 6 children. Money was mighty tight as she and my dad came from really poor families. My mom is now still healthy at 95 and because of some investments my dad made in his later years she is well provided for.
I got an education so I could get a good job. I have an 18 year old college kid and we are empty nesters now. Going to work [ in a psychiatric hospital] gives me a sense of purpose every day that I am helping my patients. I have never wanted to be a SAHM. I work to bring in an income to help my child get a good education so she can work a good paying job one day.
We homeschooled the last 8 years and my boys decided they wanted to try high school, all was well I went back into the work force but 1 of my son's has sever special needs and I'm constantly missing work if he's sick or for all his different therapies and now after 7 months we are like it's not worth it. We have no car payments but I'm trying to pay off all my credit cards after I used them when my mom passed away.
Hi Tawra. Hope you and your family are well. I am glad to be debt and mortgage free because of the sacrifices I made I now can afford new kitchen cupboards. Have a great weekend 😀
May I add we spend more money on convenient food instead of all the home made meals I used to make. Every one wants me back home and I want to be back home. I leave before they leave, and get home at almost 6. I'm exhausted and I'm thankful my boys do house chores but they are not the home maker, I am and my youngest shouldn't be my older sons caretaker 💔
I agree totally!!!!
Yes you are saying what everyone is thinking! That is why I love to watch you. 🎉
Agree completely!
I agree that moms NEED to be home with their children. My pet peeve is all the women who say "Oh I need to work for my social life!" 🙄
I also found one of my favorite silicon bracelets: with: Philippians 4:13 on it. I once knew this girl that left her 10- and 12-year-old kids home alone during the day. She wasn't married and was working. She made me promise not to tell anyone.
So, I was 9 babysitting my baby sister. 10 and 12 should be able to be alone for awhile. I was babysitting others kids at 12.
I babysat since fifth grade. Cooked dinner too
@wellman867 I had to do about everything. Parents sat and ate and watched TV getting fat. House and yard work and walk the dog. Felt older than friends fast.
In Canada it is even easier to be a SAHP. The gov pays families around $500-$700 per child, a month (depending on the age and family income). The biggest issue, IMO, is too many single parents (who have never been married)
Wow, you give a very American vibe in this video, but I agree with your global message. In my country we have a 2 to 4 year maternity leave for every legal employee who gives birth. The employer doesn't suffer, the state pays the leave from taxes and employers know, they will need a new employee within a few years when they accept a young female. That's normal; my mum did it, their mum did it, the president's mum did it. Therefore young women also don't suffer by this, they get accepted in new jobs as easily as all other people. The moms also don't suffer from the "what have you done all those years" question at job interviews. Everyone knows what they have done and its accepted, there's nothing political or oldschool about, its just a part of our culture. Since we are at home for the majority of the important (and sick-all-the-time) years, the kinds get exactly what they need. And we return to the workforce full of energy and ready to do something else than changing diapers. It seems a win-win-win to me. Some moms choose to stay at home forever. Most of them are eager to go to work once the kids go to kindergarten.
I usually always agree with you Tawra, but I know for a fact you were running a business while your kids were all underage. That's a whole lot more stressful than a regular job.
Its no where near stress when your the boss and dont have employees like Tawra did. She makes her own hours
The thing so many moms want to do now is what is less stressful and easier for them then what is best for their children. I rarely hear mentioned a major positive I see in moms working from home and that is young children need to feel mentally and emotionally secure, safe and loved all day long. This can only really happen when mom works at home. When a child falls, cut their knee and cry out they know mom will come right away, pick them up, fix their hurt, and hold them till they are better. That child knows when they are hungry they can run to mom in the other room and she will feed him. They know that when they finish coloring a "masterpiece" in their coloring book they can count on mom at that very moment to praise them and tell them what a great job and when they finally potty in the potty chair the first time that it will be mom jumping up and down with joy and pride and as much excitement as they are feeling. Most of all they need to know mom is right there and they have no fear.
When I was expecting with Tawra my husband was overseas. I couldn't talk to him or see him through the whole pregnancy, and her birth. I had people who were kind to me and cared for me but it was not the same at all - I needed my husband who I knew would love and take care of me and her above all else. Most women in a happy marriage want their husbands with them or at least in the other room, not just, doctor or midwife or anyone else. I understood what those little children felt after that. Bottom line is people are told they should think of their own good, wants and what makes them less stressful first when what they need is to start thinking more of others needs and the world would be less selfish
If you want something bad enough, you won't cry and whine about the obstacles. You will work hard and make it happen. Most people are too lazy and comfortable to achieve the life they claim they really want.
My husband and I made the choice whe our daughter was a baby for me to stay home, so for 8.5 yrs and 2 kids later then I went back to work, and only worked when they were in school, and I had back up in case they got sick at school. My husband and I made it work.
I would buy a used car. No $700 car payment for me.
As a divorced single mom I have had to be home. I have multiple special needs kids and its why I had to do work at home. The ex never knew what I brought to the home when I was stay at home mom. Its valuable for sure.
Amen and amen.
This is a hard one. I loved working outside of the house. Kiddo loved being around other kids all day long. My husband slept during day, worked at night, so kiddo and I would have to be 100% silent during day in the house-so that did not work. This being said the first years of work 20 b4 kiddo that parents with kiddo excuses and I always had to stay at work bc I was childless, so in some respects when kiddo those few problems with daycare little payback. This being said your kids are less sick if no daycare. I grew up no daycare, but we pretty much took care of ourselves. I would say you are right on $ with close, gas, cars, daycare, and stresslevel bc I had -0-left for the family after work. I get it-you are right-so hard though that women have to make a choice-unless you do UA-cam side gig being a mom. I will say if you want to stay at home-you can do it. I did not want to stay at home-just was not me
I think I would call the daycare to make sure the kid actually was there and had to leave due to illness or ask parent for doctor’s note for the child.
Hi Tawra! Great to see you again.
I have speacial needs chilren amd my husband has said he would rather work over time and me b here for our r kids so theu have there mumma when they kneed me i also have my granddaughter in my care who is speacialkneeds also
There was a time when men would get two to three jobs to support their families to ensure their wife could be home. And the wife as well managed the home frugally and efficiently. Although I don’t believe that it works for everyone as some women have wonderful, high paying jobs, the “way it used to be” may work for many still.
We just got a new car for about 3k. 8 seater . Needs 1k in maintenance. No car payment . Cheap insurance . It was originally 6k, but they just wanted to get rid of it so we ended up getting 3k off
No hate here. ❤
🔥🔥🔥Boom, nailed it!!! Any married mother should NOT be working. The husband's need to grow up and make more money, it is possible. I have never understood why women would go through pregnancy and delivery only to let someone else raise their kids. Why did you have kids to begin with if you aren't going to raise them??
I am a stay at home mom to 8 kids ages 4 months to 17 years old. Very doable when it is the priority. It has bothered me as well when Dave Ramsey gives that advice.
Where I live people are lucky to find a job that pays more than minimum wage. $60,000/70,000 a year made me laugh. Btw, I am a sahm but I work outside of the house a few hours a week since my husband became disabled.
Great video!😊
Yes! I’ve been saying it for years. The children are awful. they need a parent to stay at home. There needs to be someone that can take them to the dr., take care of them when they are sick, home cooked meals, sit at the table for dinner together, etc. I did the same of calculating up what I would make after daycare and other expenses. It was pretty much my whole paycheck so I stayed at home. I would rather raise my kids than these crazies now days. I don’t really understand why I would need the car everyday maybe once a week to grocery shop/ thrift shop/ other errands.
Awesome video!
Excellent video. A employer does have legal obligation to "reasonable accommodation" in some places. Check the local laws.
💯 on 🎯 Tawra. Thank you for telling it like it is. Great video.
Yess. My job had written me up because my baby was sick and then I got sick. I stopped working full time and took my baby out of daycare that costs 800$ a month. And he is now in vpk and I put my schedule around him and one day my store manager told me that it’s not my job class to do things that I was doing and I told her no… I care! just because I’m not here and I take care of my kid does not mean that I don’t care… I do my job as I see fit now and family first. Yes I need to have a full time job but my kid needs me more sooo we sacrifice things.
Plus car insurance
I agree I'm tired of spending hours on a phone. Because companys are short staffed.Hire people that come to work.I'm talking about health insurance companys. 3 months in to get Anthem to look at my application.
I agree 💯 Moms stay home if you can at all. I had a good paying job working from home that was a help but honestly it was full time and demanding and I would have been a better parent if I wasn’t so tired and stressed from the job. It’s a true regret.
Agree 💯💯💯 Modern woman have to have the choise to stay at home as a housewife without the negative judgement of other woman and men also.Sad but truth that woman dont support other woman to stay at home nowdays. Also men dont appreciate enough woman that stay home.Times have change unfortunately..Thank you for the reminder 🙂
Im a stay at home mum.Have been since 1992.My husband was injured at work and now I do a small job with a small pay as A school crossing supervisor .I would prefer mot to work.I agree with everything u say.....we have many children.....u just make do.
great tips!
Hey from San Antonio Tx
I don’t like it but you are 100% right
❤❤❤
Mom's are 24/7 no days off-people need to say hardest job every-not OH YOU ARE ONLY A STAY AT HOME MOM-worst is it is other women saying this to other women-not the men. Men need to big time appreciate women at home and never say what do you do all day at work/home
I totally agree but unfortunately a lot of husbands these days don’t want to be the sole provider.
So what? He's lazy so that's your responsibility?
I'm not going to totally knock the feminist movement because it did do a lot of good, but they didn't finish the point of the movement. That is women need to be valued. Now it's expected of us to do literally everything while men sit back and watch. I won't knock stay at home dad's either, especially is mom can make better money with benefits. My husband I decided I would be a stay at home mom because he had the better paying job and insurance. I gave up so much. I never wear brand new clothes. I rarely get my hair cut. I already didn't wear make up, but I probably would have gotten rid of that too. I never did a night out with the girls, we never/rarely ate out as a family. I didnt belong to a gym. Etc, etc, etc. We never were wealthy enough to own a new car, let alone two cars. My husband travels for a living, so I drop him off at the airport and pick him up so that I can have the car available to me. We always had money to pay the bills and feed our family though. Also, my sons are all well adjusted because they had a hands on parent available to them, instead of the schools and daycare raising them.
Males just in general unfortuantely but they normally make more money for the exact same job bc they demand it and bc they are right or wrong thought of as the breadwinner. I had employer tell me I was getting 50cents instead of $1 per hr. raise, bc I a female-same job-gender I got half the pay and I even fought for myself and it did nothing-left-but that is just how the world still is
i want to say as a daycare worker
1 we don.t love and care for them like you do some like myslef come half way close
2 i don,t know about evevywhere but here in Australia were i live in queensland anyway due to the laws and no staff its to the were we won,t be open to look anyone you need to work out how to stay at home
I worked with a nurse and for a time she said their family was LOSING money with her working. She wasn’t even making enough to pay for daycare. The sad thing was, she didn’t care. She said, “I didn’t go to school just to stay home with my kids.” 😮 I didn’t have kids at the time, but I knew I would NEVER put a career over my children.
Proud Stay At Home Mom here🥰🥰🥰
Love your lip color!💄👄
Yes, women should get maternity leave! Not everyone has a carefree problem free birth. Bonding and breast feeding is important too. You don't make $1-$3 an hour in nursing.
It's not your employer's responsibility to keep your job if you choose to have kids.
If you choose to have kids. It is your responsibility to pay for and take care of them. Period!
Explain this toy husband please.
Great video 😊
Excellent video 😊