Mother and daughter cooking ain the kitchen

12 Ways a Stay-at-Home Mom Saves Massive Amounts of Money Each Year

This post may contain affiliate links. As an Amazon Associate, I earn from qualifying purchases.

When the thought of being a SAHM (stay-at-home mom) strikes, one of the biggest dilemmas is how to make up for the money you’ll not be making at a regular job. Rightfully, the decision to manage the household full-time can make a significant impact on the family budget. While it largely looks like a volunteer position with more financial woes than benefits, being an SAHM can have financial advantages for the family.

If SAHMs were paid, how much would they actually earn? Data suggests a stay-at-home mom’s salary would be about $184,820 annually. While the role is often undervalued, SAHMs contribute more than just care and love; they play a pivotal role in financial savings.

Let’s explore how stay-at-home moms save massive amounts of money each year for their families.

1. No Childcare Costs

Mother with her daughter in baby carrier
Photo Credit: Deposit Photos.

One of the most substantial savings comes from avoiding childcare costs. According to, the average cost of daycare in the U.S. is between $150 and $350 per week per child—although it is significantly higher in urban areas. By staying home, moms can save at least $7,800 annually per child.

This significant saving allows families to allocate funds toward other essential needs or savings goals. It comes also with the added benefit of the children’s safety and the joy of being cared for by their mother.

2. Breastfeeding

breastfeeding mom
Photo Credit:

Breastfeeding offers both health benefits and substantial financial savings. Formula feeding can cost about $2950 annually (on the low end), depending on your baby’s consumption. Staying home favors breastfeeding over formula feeding, as the hustle of pumping and storing is reduced.

SAHMs can bypass these costs by opting to breastfeed, ensuring their baby gets the best nutrition while keeping expenses low.

3. Fuel/Gas Savings

Shot of happy young mother with her baby boy playing on the floor of living room
Photo Credit: Deposit Photos.

Stay-at-home moms typically make fewer daily commutes than working parents, lowering fuel and transportation expenses. The average American spends about $200 monthly on gas. While this may not seem like a significant amount, it adds up over time.

By staying home, SAHMs lowering save an average of $2400 annually on gas alone. This money can be allocated towards other expenses or saved for future use.

4. Saving on Food and Groceries

Portrait of beautiful woman holding shopping basket at marketplace
Photo Credit: Deposit Photos.

Another way SAHMs save money is by efficiently managing meal planning and grocery shopping. Buying in bulk, cooking at home, and using coupons can significantly reduce grocery bills. Besides, the kids, too, learn some basic survival skills, such as cooking from mommy.

Stats show that, on average, families spend about $300 monthly on eating out. Effective meal planning and home-cooked meals can significantly reduce these expenses, leading to significant savings for a family.

5. Simple Clothes

Woman choosing clothes on her wardrobe
Photo Credit: Deposit Photos.

Have you seen the cost of good business attire? High-quality business attire can be expensive; a full outfit may cost you well above $1,000. Staying at home reduces the need for a professional wardrobe.

SAHMs can save considerably each year by focusing on simple, comfortable clothing. Staying home doesn’t mean looking drab; jeans and a good shirt for dropping the kids off and running errands will not rack up your budget.

6. Housekeeping

Happy little daughters helping their mom wash the table with sponges
Photo Credit: Deposit Photos.

According to Forbes, hiring a housekeeper can cost up to $400, depending on what you want done and the size of your house. By handling cleaning tasks themselves, SAHMs significantly save on family expenses.

Moreover, by spending time organizing and decluttering the home, SAHMs can also prevent unnecessary purchases and avoid hoarding, leading to even more savings.

7. Running Errands

Mother and daughter in supermarket
Photo Credit: Deposit Photos.

Stay-at-home moms often run errands, which saves money on delivery fees and time. Services like grocery delivery and dry cleaning pick-up can add up over time. A delivery errand may cost about $30 an hour. This depends on the service and area, and how often you use this service.

By handling these errands personally, SAHMs can save thousands of dollars annually. This time can also be used to compare prices and find the best deals, leading to more savings for the family.

8. Utilities

Woman Checking Digital Thermostat
Photo Credit: Deposit Photos.

Being at home allows SAHMs to monitor and manage household energy use more effectively. Simple actions like turning off lights, unplugging devices, and adjusting thermostats can greatly save utility bills.

Studies suggest that mindful energy consumption can reduce annual utility costs by up to 10%.

9. Entertainment

Family watching TV at home in evening
Photo Credit: Deposit Photos.

SAHMs often get creative with low-cost or free entertainment options for their families. Instead of expensive outings, they might opt for park visits, library trips, or home movie nights. Sometimes, the biggest cost for this entertainment is time.

These alternatives can save families hundreds of dollars each year while still providing valuable family bonding time.

10. DIY Home Maintenance

Woman removing old wallpaper from the wall, home renovation
Photo Credit: Deposit Photos.

Handy stay-at-home moms often take on small home repair and maintenance tasks, such as painting, gardening, or fixing minor issues. By avoiding the need to hire professionals for these jobs, families can save a significant amount. Depending on the scope of repairs, this can amount to hundreds or even thousands of dollars annually.

Who has time to sew a crazy hair day hat for school when they have to be at work late? In many cases, staying at home gives moms more time to focus on DIY projects and repairs, resulting in even more savings for the family.

11. Reducing Healthcare Expenses

Close up Healthy Young Woman Cooking Blowing Food Wooden Spoon Kitchen
Photo Credit: Deposit Photos.

Stay-at-home moms can help reduce healthcare costs by focusing on preventive care and a healthy lifestyle. Preparing nutritious meals, ensuring regular exercise, and managing stress levels contribute to overall family health.

This proactive approach can lead to fewer medical visits and lower healthcare expenses, saving families significant amounts in the long run.

12. Flexible Work-from-Home Opportunities

Mother with her son using laptop working at home
Photo Credit: Deposit Photos.

One often overlooked advantage for stay-at-home moms (SAHMs) is the availability of flexible work-from-home opportunities. In today’s digital age, there are numerous remote jobs and freelance gigs that allow moms to contribute to the household income without sacrificing the flexibility they enjoy.

Examples include virtual assistant roles, freelance writing, online tutoring, and e-commerce. These opportunities can fit seamlessly into their daily routines, making it possible to work during naps or after the kids go to bed. By taking on such remote work, SAHMs can alleviate some financial pressure without having to commit to a full-time job outside the home.


20 Strong Words Parents Should Never Say to Their Kids

sad girl black and white eyes
Photo Credit: Deposit Photos.

Countless adults sitting in a therapist’s office today are grappling with the lasting impact of words spoken by their parents during childhood. Regardless of how you perceive yourself, in your child’s eyes, you are nothing short of the most remarkable thing to happen to them since “skip intro.” This underscores the critical importance of being mindful of what you say to your children, as your words become the small but influential voice in their developing minds.

20 Strong Words Parents Should Never Say to Their Kids

16 Common Phrases Grandparents Should Stop Saying to Their Grandkids

Grandparents taking care of grandson
Photo Credit: Deposit Photos.

Do you still remember something your grandparents said that made you uncomfortable? As much as we adore our grandparents, their words (even with good intentions) can sometimes hurt our feelings or are plain embarrassing.

If you are a grandparent, using your words mindfully around your grandkids is as crucial as any other relationship. Words hold immense power and shape our kids’ behaviors and perceptions. 

16 Common Phrases Grandparents Should Stop Saying to Their Grandkids

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *