When I was 19 I thought that money grew on trees and that I had all the time in the world to accomplish my goals. Okay, I didn’t literally think that money grew on trees, but I also sure didn’t have a practical grasp on the true cost of living and how to make wise decisions regarding my money and time.
Fast forward to now and I’m married and we have three boys. THREE BOYS! I know I mention that a lot, but I still can hardly believe we have three boys. They amaze me everyday. Three boys who eat a lot (and they’re not even teens yet) and take up the majority of my day in caring for their needs (which I LOVE and am very grateful for).
And did I mention we live on a single income? If I didn’t understand the reality of time and money management before, I sure do now!
Through our experiences raising three boys on an average-sized single income, my husband and I have learned some great ways to save money while maximizing the amount of time we have to invest into our family.
In this post I’m going to share some awesome tips for ways to save money by living more resourcefully and explain when saving money shouldn’t be the basis of your decisions.
If you are considering making the move to one income or just looking to trim your monthly expenses, read on!
What Is Resourceful Living? Frugal Living vs Resourceful Living…
I’d thought about titling this post something about “how to be frugal”, but frugal conveys the idea that every decision comes down to money. There certainly is a place in the world for frugal living, and frugality is a big part of resourceful living. However, resourceful living is a much more holistic, big-picture way of approaching how to live life and make decisions.
There is a fine line between being creative in ways to save money and becoming overly invested in saving/making money to the point that you miss out spending time with the important people in your life.
That’s where resourceful living comes in.
For example, if I spend 5 hours a day clipping coupons to get our grocery bill down to $0 but in the process don’t have the time to give nurturing attention to my kids, I may have been frugal but not resourceful.
Would I love for our grocery budget to be $0 each month? Absolutely, yes! However, for me, there are things other than extreme couponing I would rather invest my time into at the moment. Caring for our boys, our home, blogging, and teaching continuing education classes at a local community college take up all the time I have right now (and then some!). For us, it’s worth it to pay for our groceries without couponing so that we have more time to invest in other activities.
Side note: Couponing like a pro can be a great thing and if that’s your jam, awesome! I just know if I tried super couponing to get our grocery bill down to $0 it probably would take 5 hours a day – and that wouldn’t be good for anyone in our family, ha!
Resourceful living means taking the whole picture of your life into account and then making the best decisions based on your needs, desires, and goals.
Resourceful living can mean that some things are worth spending money on (such as a meal-kit delivery service for some of your month’s meals, for example) so that you have more time and energy to invest in something else that has a bigger payback (such as spending more quality time with your kids).
Resourceful living is all about making wise, informed choices.
Resourceful living is for everyone no matter the size of your income. It’s about being a good steward of the entire picture of all that you have – your family, your income, your time, your possessions, etc.
Let’s Get Practical: 33 Ways To Reduce Your Expenses
Below are 33 ways to cut spending and save money, starting with the options that have helped our family the most. However, because this post is all about resourceful living it’s up to you to decide which ideas are the right fit for your family and which ones aren’t.
I’m not going to tell you that you have to do this or that because everyone’s entire family/life picture is unique. Pick and choose what’s right for you and your family.
But before we get to the list, first things first: if you haven’t determined a budget for you/your family, you really need to! You’ll be so glad you did. Check out my post on budgeting (with a free pretty template) for step-by-step instructions on how make a budget that works for you.Knowing exactly where you’re at financially is the first step toward resourceful living and better financial healthClick To Tweet
Alright, it’s about time don’t you think? Let’s get to those tips so you can start to save money and time by living resourcefully. We use a combination of most of these tips to help us afford to live on one income.
1. Meal plan!
This is actually the #1 money-saving step we take in our family. By doing this you will cut down on eating out as a family and save a ton of money. According to the Bureau of Labor Statistics in 2016 households spent an average of $263/month, or $3154/year eating at restaurants. Eating out is becoming part of the American way of life.
But that doesn’t mean it has to become a regular part of your family life.
I know in our family we are so busy that the temptation to just eat out or get take-out is real. However, when you consider how much you can save by meal planning and cooking at home, it’s a big motivation to so so!
For our family of 5 we usually spend about $35 on a restaurant meal compared to about $10 if we made our own at home. If we were to eat out twice a week (we don’t, but for the sake of example) we would spend $3,360/year on restaurant meals. Whoa. If we made all those meals at home we would have spent only $960.
If meal planning is a struggle (and let’s be honest – it’s a struggle for me sometimes, too!) subscribe to the email list and the first welcome email you receive will include a free Budget Meal Planning Kit:
2. Ditch your major mobile carrier and use an alternate provider
This has been another HUGE way we save money. When we were with a major carrier our phone bill was usually around $100. By switching to Tello we’ve cut that in half, at least! That’s $600 in savings every year. Here are a few good options to check out:
- Tello uses the Sprint network and plans start at $14/month for unlimited talk/text and 1 GB of data.
- Ting uses the Sprint network to provide service, so you would need a Sprint-compatible phone. Their website claims the average Ting bill is $23 per phone a month.
- Project Fi is a Google service that uses multiple networks. You pay $20 for unlimited talk/text and then $10 per gigabyte of data. Additional users are $15/month. Any unused data is rolled over to the next month.
- Mint SIM uses the T-Mobile network. Plans start at $15 per month for unlimited talk/text and 2GB of data.
3. Make Your Own Coffee At Home In The Morning
I know I simply cannot start my morning without a cup (or two…or three…or four) of coffee. If you’re a regular Starbucks customer, the savings potential here is huge!
Let’s say you get a latte only 2 times per week – that still adds up to about $500/year. If you were to get a latte every work day, you would save about $1300/year by making your coffee at home.
Instead, invest in a good coffee maker and a good travel coffee mug – make your coffee at home in the morning and take it with you to work. I love our Cuisinart coffee maker that both grinds and brews the coffee every morning. And Contigo makes a travel coffee mug that is hard to compete with.
4. Take Your Own Lunch To Work
Or set (and stick to!) a certain number of times per month you/your spouse will eat out for lunch during the work day. Again, the savings potential here is pretty significant.
Let’s say, for example, you and your spouse each eat out for lunch during the work day twice per week at an average cost of $12/meal. By the end of the year you will have spent about $2300 on eating out for lunch. Now if you and your spouse take your lunch instead at an average cost of $4/lunch you will save $1532 in a year.
I get that it’s a little extreme to say you will never eat out for lunch. I recommend agreeing on a certain number of times per month you and/or your spouse will eat out for lunch during the work day. Then stick to it!
My husband keeps a back-up supply of the best ramen (not your 59 cent ramen) at work for when he runs out of time in the morning to pack his lunch.
5. Grocery Shop At Aldi
If you have an Aldi in your area, you simply must shop there! We love Aldi and I estimate we save 20 – 30% on groceries by shopping there.
Aldi has made some big improvements in the last few years including putting in a refrigerated section for produce and increasing their organic selection.
One of my favorite things about Aldi is their rotation of limited-time only products – everything from children’s toys, dishes, gardening tools, we even bought a steam cleaner there once. For reals. Get their app so you know what new products are arriving each week and what specials are happening!
Aldi also has a double guarantee: if you’re not happy with a product you purchased there, they will refund your money and replace the product. There’s really nothing to lose by shopping there.
If you don’t have an Aldi, consider buying groceries at Walmart. They also have significant savings compared to most regular grocery stores and now offer pickup service.
6. Get Rid Of Your Cable
Instead look into Netflix/Amazon Prime/Hulu/etc. According to USA Today, the average cost of cable was $100.98 per month in 2017. Compare that to the following services:
- Netflix: $14/month. Great for kids programming, movies, and Netflix original content such as as Stranger Things. 30 day free trial available.
- Amazon Prime: $8.25/month (but also includes free 2-day shipping on many items and access to downloadable music through Amazon Music). 30 day free trial available.
- Hulu Plus: plans start at $7.99/month with optional add-on channels such as HBO, Showtime, and Cinemax. For access to TV channels and major networks, this is the way to go. 30 day free trial available.
- Sling: Two plans available, $20/month or $25/month, with additional add-on channel options. What makes Sling different than Netflix, Amazon Prime, or Hulu is the ability to stream live TV. 7 day free trial available.
Even if you decided to use ALL of the above, at about $55/month you would still end up paying way less than the average cable bill.
7. Take advantage of services/programs offered by your energy company:
- Check with your company and see if they will do a free energy audit (and usually offer advice on ways you can reduce your energy usage, and thus save $).
- Ask if they have any special optional programs which could save you money. For example, our energy company installed a cycling device (at no charge) which saves us about $8/month on our energy bill.
8. Use your programmable thermostat efficiently if you have one
After research it was difficult to determine exactly how much you will save through this measure. Some claim as much as $300-$400/year off of an average $2000 yearly energy bill. I can’t advise exactly how much you will save, but if used correctly a programmable thermostat does have the potential to save you some money:
- Close off vents to rooms that don’t get used much (such as a guest room or basement)
- Set your thermostat to 68 daytime/60 nighttime in the winter and 78 daytime/72 nighttime in summer
- If you work away from home you can program your thermostat to go even lower during the daytime in winter and higher during daytime in summer
- We’re usually home most of the day but if we leave and I know we’re going to be gone for a while I override the settings – we don’t need our home to be a comfortable temperature when we’re not here!
9. Use your smartphone to make/save money through apps:
- Trim: Trim is a free app that analyzes your spending and then finds ways to reduce it. The app can (at your request) cancel subscriptions, negotiate your bill with major service providers such as Comcast, and find you better car insurance. Neat, yeah?
- Ibotta: With this app you can save money on things you already buy such as groceries and household items. Before you shop, look through current offers and after shopping take a picture of your receipt to verify purchased items. You also can link loyalty cards and earn money back through mobile in-app purchases. Invite friends to join your team and earn even more when they complete offers too.
- Google Opinion Rewards: This is a survey app that asks you quick, simple questions and then rewards you with Google Play credit. You can then use that credit to pay for anything you purchase through Google Play store such as movies, music, apps, and in-app purchases.
- Acorns: This app rounds every credit card purchase up to the next dollar and automatically invests that little bit of change. A great way to save money without even thinking about it.
- Paribus: Install this app and it will search your email for purchase invoices – if a participating merchant (such as Amazon and other major retailers) you purchased from drops the price of that item within a certain time window, Paribus will automatically get a refund for you.
- Stash: For $1/month this app allows you to start investing with just $5. The app aims to educate about investing and trades and withdrawals are free.
10. Use the Honey Extension For Chrome to always get the best deal
Honey is a browser extension that basically works like an automated couponing service. Whenever you make an online purchase, Honey analyzes it and automatically applies any available coupon or promo code without you having to do any searching. Honey also has a rewards program, so whenever you make a purchase you receive a cash bonus.
11. Don’t Pay Late Fees/Fines
Pay attention to late fees/fins for things like mortgage payments, overdrafts, library overdues, etc. Those little fees can add up (believe me, I know from experience so I’m preaching to the choir here, ha!). Use Google calendar to set reminders. Set as many payments to automation as possible.
After having our third baby I found I couldn’t remember things such as library due dates as well as I used to (mommy brain is a real thing people!) and for a while we were getting a lot of late fees. Then we found a different library in the area that doesn’t charge late fees. They have a little box that you can put a donation into if you’re feeling guilty, but they don’t force late fees. That library has won my support for sure!
12. Get Better Insurance Rates
A few years ago we decided to look around at other home/car insurance companies in the area and discovered we could save several hundred a year and get better coverage by switching.
Ask for recommendations from friends or do an internet search for local insurance providers. You can even check with your local bank – one bank in our area offers very good insurance rates for customers.
13. Eat More Meatless Meals
We eat meatless meals about twice a week ( there are several vegetarian recipes included in the Budget Meal Planning Kit – get it here) and it really helps our grocery budget. Here are a few websites with vegetarian fare to get you started:
- Budget Bytes: Love this site! Not everything on here is vegetarian, but there is a whole section devoted to vegetarian food. And every recipe is budget friendly.
- Vegetarian Times
- The Pioneer Woman: Again, not all of her meals are vegetarian, but she does have a whole category of vegetarian meals. Every recipe of hers I’ve tried is delicious!
- Food and Wine: 30 Days of Vegetarian Recipes
14. Simplify Date Night
If you do go out to eat, split an appetizer and main dish and save. Or use Groupon to find restaurant deals before you head out.
15. Let Your Kids Pitch In – Teach Them To Conserve
Save money on your energy bill by teaching your kids to pitch in: turn off lights when not using them, make sure refrigerator door is closed, etc.
16. Join a Buy Nothing Project Facebook group
Or if one doesn’t exist, they’ll gladly help you start one in your area. The Buy Nothing Project is more than just a place to get rid of stuff you don’t want and/or get stuff for free. When you join a Buy Nothing group, you’re joining a community of people that care about one another. There are strict rules in place to ensure that you’re joining a local group as well as rules that govern conduct in the group – all interactions must be respectful and no one is allowed to profit monetarily from offering items. This seems like a really neat project. Check it out!
17. Find Free/Low Cost Kids Activities Through Local Groups
Often you can find free fun for kids. Macaroni Kid is one such resource where you can enter your city/state and find a listing of current and upcoming kids activities, many of which are low-cost or free.
18. Get Connected To Online Local Garage Sale Groups
Search Facebook or Craigslist to find used items rather than buying new. If there aren’t any such groups in your area yet, start one! Recently we went to a home of a friend for dinner and their living room decor had that farmhouse vibe – all the pieces where unique but they all fit together into farmhouse style. I had to ask where they got their furniture and you know what they said? Craigslist. It pays big time to buy used. You can get better quality furniture than the cheap put-together-kit stuff for a much lower price than buying it new.
19. Declutter Your Home
Get rid of items you don’t really use and/or don’t really need. Sell items on Craigslist or a local Facebook garage sale group and make some money. Having fewer things to care for means less time and money spent on cleaning/maintaining. And, a huge bonus, there’s evidence that a decluttered environment means less stress.
20. Switch Up Your Laundry Routine:
- Wash all colors in cold water
- Use half the amount of detergent
- Skip the softener
- Don’t wash if not dirty – you don’t need to wash your jeans every time you wear them, really truly!
- Hang clothes to dry – your clothes will last longer and you’ll save money
21. Purchase A Reusable HVAC Air Filter
These things are amazing and I can’t believe I didn’t know about them until recently. We have one very similar to this one on Amazon and have been using it for about a year now. Once a month we rinse it and put it back in. So easy! And we’ll never have to buy another air filter.
Let’s say that you purchase a $4 basic air filter and replace it every month. Over a year’s time you will have spent $48 on air filters. You would recover the cost of the reusable air filter in the first year of use, and after that won’t need to buy any more air filters.
22. Repair Or Repurpose Worn-Out Items
This is how our grandparents lived. When an item of clothing ripped, it was mended. When socks wore a hole, they were patched. And when the patches wore holes, they became cleaning rags.
A recent example from our family: our fitted sheet got a rip near the bottom of the bed, but other than that rip the sheets were perfectly fine and had a lot of life left in them. It seemed such a shame to get rid of them so I decided to patch the rip. I took an old pillowcase and cut two squares from it, placed a square on top of the rip and one on the underside of the sheet and sewed around the edges. We got an additional year out of those sheets…until they wore a larger rip that I didn’t think I could repair. But still, we were able to put off buying new sheets for a year!
23. Learn To DIY
If you see something you love figure out if there’s a way to DIY it. I’m a bit of a DIY addict – the money I could save! The new pretty thing I can make! Oh the possibilities! But do be aware that sometimes the cost of a DIY project can be more than you initially suspect.
24. Frugal Gifting: Make Instead Of Buy
Check out my Pinterest board Crafting and DIY for some great gift ideas that are inexpensive and fun to make.
25. Don’t Pay Full Price For Professional Family Pictures
Did you know the going rate for a family photography session averages $350? That’s a chunk of cash! And I’m sure you would get wonderful photos for that price, but I know our family simply can’t afford that on our current budget.
Thankfully, there’s another solution.
For family photos, keep an eye on Craigslist, put out a post of Facebook, or ask around to look for photographers just starting out and looking to build their portfolio. We’ve been able to get some great family pictures taken for little to no cost this way.
26. Cancel Your Landline And Go Mobile-Only
OR, if you really need a landline, consider using VoIP (phone service through internet). For basic, local calling services, a landline costs an average of $15 – $30/month. We haven’t had a landline in years, but we’re considering getting one for the sake of our kids being able to dial 911 easily if necessary (i.e. don’t need to find a mobile phone, unlock it, and get to the calling app in an emergency).
- Google Voice Obihai: This is truly a one-time, up-front purchase that does not incur monthly fees afterward. Obihai is a VoIP device that uses your internet to place calls. If you purchased the Obihai device ($49.95), the wireless adapter ($24.95), and a cordless phone ($19.95), that would be a one-time cost of $94.85.
- Magic Jack: Magic Jack is similar to Obihai in that it also uses your internet and any landline phone to place calls. However, you have to pay yearly for service. When you purchase the device ($39) it comes with one year of service. After that, each year of service is $39 or you can purchase three years for $89.
Research whether it would be worth it to refinance your home or student loans to get a lower interest rate or lower monthly payment.
28. Get Rid Of Your Gym Membership
Consider alternatives such as the one-time cost of a treadmill, streaming workouts over your TV, or just walking/running outside. The average estimated cost of a gym membership in the U.S. is $58/month, or about $700 per year.
- Get a treadmill delivered to your doorstep through Amazon: we’ve had an older version of this treadmill for years and it’s provided a great way to stay in shape during the winter months
- Check out Beachbody on Demand: If you like the idea of accountability and not having to come up with your own workout ideas, this might be a great option. A year’s membership is $99, which comes out to $8.25/month – way less expensive than a gym membership!
- Subscribe to a workout-based YouTube channel. Here’s a link to an article describing 5 different workout YouTube channels.
- For outdoor walking or running, consider using an app such as Map My Walk to track your distance, steps, and calories burned as well as plan your workout and connect with others.
29. Do Home Haircuts
Okay, so I know this one is a little out there and probably not for everyone, but it’s one thing we do in our family that really saves us a lot of money.
Our 3 boys are still young enough that they don’t have a lot of opinions about their hair yet, so it works for now to give them haircuts at home. They need a haircut on average every 6 weeks, so even if we were to go to a budget haircut salon we would still spend about $360/year on haircuts alone.
If you think home haircuts might be for you, here are a few tutorials to get you started:
- Learn how to give a boy’s haircut using clippers and scissors with Karrie at Happy Money Saver
- Using clippers to do a boy’s haircut with Sarah at Frugal Fun For Boys And Girls
- How To Cut Boy’s Hair At Home with Jordan at Fun,Cheap, or Free.
- There aren’t as many tutorials on how to cut girls’ hair but I did find one great video tutorial. Check it out here.
30. If Something Breaks In Your Home, Determine (Realistically, Ha!) If You Can Tackle The Repair Yourself
We’re not super handy, but we’ve successfully repaired our refrigerator ice maker, replaced a kitchen sink faucet, and replaced a toilet that was leaking.
However, when our dryer broke we decided to pay a repair person to come fix it (we didn’t want to take any chance of being responsible for a house fire – dryers have a lot of working components).
The following are great repair how-to resources:
- Repair Clinic has video tutorials and articles that will help you identify exactly what part needs to be replaced. You can also purchase the needed replacement on their site.
- Part Select also sells parts and has video installation tutorials.
31. Make Getting Out Of Debt A Priority
That way, you’re not spending money on interest every month. Dave Ramsey, financial adviser and creator of Financial Peace University, has a unique approach to getting out of debt called the Debt Snowball. If you’re currently in debt, please check it out – so many people have had success getting out of debt using the Debt Snowball method.
32. Buy Used Cars – Save Upfront And Save On Insurance And Registration Too
We really love the freedom of being able to pay for our vehicles upfront so we don’t have a monthly payment. However, this also means that our cars are usually older-used and require more repairs and maintenance.
Overall we do save money this way, but the upkeep/maintenance cost of a used car is something to consider when deciding whether to buy new, lease, or buy used.
Here are several articles that can guide you through the pros and cons of buying used vs buying new:
- Compare The Costs: Buying A New Car Vs Used
- To save big money, find the used-car buying sweet spot – USA Today
- 5 Smart Reasons For Buying A Used Car
33. Consider downsizing your home
I know the idea seems a little extreme, but if you’re determined to live on one income and you just can’t make it work by trimming your expenses this might be your solution.
Check out these stories of families who have downsized and are loving it as well as advice on how to make the move:
- Downsizing: 4 Simple Ways Our Family Succeeded At It And Is Loving It
- How a Family of 5 Gained ‘Shocking’ Freedom by Downsizing to 850-Square-Foot Home
- Dave Ramsey discusses Downsizing Your Home: 3 Money Benefits
- Your Best Move Yet: Parent’s Guide to Downsizing Your Home With Kids
- Why Downsizing Can Be Worth It
Services That Might Be Worth Spending Money On
After listing all those ways you can trim your budget, I’m going to backtrack and say that some things are worth spending money on.
Depending on your family goals, personal strengths and interests, and your available time, you might find that some things are worth paying for. For us, it’s Amazon Prime – we save time and money by being able to shop from home with 2-day free delivery for everything from diapers/wipes to dining chairs (our most recent purchase after the seats on our old dining chairs kept falling off, seriously!) For you, it might be something different.
How do you decide what’s worth it?
Ask yourself what’s the #1 problem/daily struggle you’re facing right now? What do you find most frustrating about life at the moment? The answer to that question will reveal what might be worth spending money on, if your family budget allows.
Are you struggling with figuring out what to make each night for dinner? Maybe a meal planning or meal kit service would be worth the expense. Do you wish you had more alone time from the kids? Maybe you should keep that gym membership where there’s childcare. Do you feel like you spend all your spare time cleaning house? Maybe a housecleaning service once a week or once a month would give you more time with your family and be worth the expense.
Here’s a little more information about some services that might be worth the expense:
1. A meal planning app: Meal planning can be such a struggle sometimes. If that’s something you’d really like help with, check out these apps:
- emeals: You choose a meal plan such as budget, slow cooker, paleo, clean eating, etc. (and you can change anytime) and emeals shows you relevant recipes. Once you’ve selected recipes for the week, emeals creates a shopping list for you (cool!). And if you want, emeals will send your list to grocery stores such as Walmart, Kroger, Amazon Fresh, or Instacart and have the shopping done for you. Cost is $5/month if you pay for 12 months, or $10 month-to-month. Not sure? Sign up for a free 14 day trial here.
- Plan To Eat is similar to emeals, but instead of providing you recipes you collect recipes from anywhere you like and store them within the app. When it’s time to plan meals for the week you drag-and-drop recipes into the planner and the app generates a shopping list for you. The cost is $4.95/month or $39/year – which comes out to $3.25/month. 30 day free trial available, no credit card required.
2. Amazon Prime. We love Amazon Prime! When we first signed up for the free trial (get yours here) I wasn’t sure, but by the time we ended our trial I was sold. Membership is $99/year and gets you the following benefits:
- Ability to shop from your couch in your pajamas, ha!
- Free shipping and returns on Prime eligible items
- Access to movies and TV shows through Amazon Video
- You can share your free Prime account with other members of your household
- Access to downloadable music included with your Prime membership
- Store and share photos
3. House cleaning service: A house cleaning service might afford you more time with your family. The average cost in 2018 is $159 per cleaning, but depending on where you live it could be much lower.
4. A babysitter once a week so that you can leave the house and have some alone time or run errands without all the kids in tow. Staying home with your kids is a tough job and it’s important to take care of YOU so that you can take care of your family. Having a babysitter come to your home regularly might give you the break you need to recharge.
5. Membership to a gym that has childcare: I know I mentioned cutting the gym membership earlier in this post, but I know several moms that cherish their gym time because it’s a way for them to take care of themselves AND have a little break from care-taking.
6. A monthly delivery subscription service: Personally I think these kits are expensive, but do consider that you’re not having to plan the meals or shop for groceries, and that you won’t have food waste because the boxes only include exactly what you need. There are so many options available, but here are a few: Blue Apron, HelloFresh, Plated, and Home Chef.
Deciding Where To Start: Examine Your Goals
Sit down with your partner and discuss your family goals. What things are most important to you?
Maybe you are in a place financially where every decision does come down to money right now and you need to take every action you can to create more space in your budget.
Perhaps you’re thinking you’d like to be able to stay at home in the future. Start putting these ideas into practice and get ahead of the game! If you live like you have only one income now, when you really do want to make that move it will be SO much easier.
After discussing your goals as a family, choose one step above to save money as a place to start.
So often the hardest thing about change is taking that very first step. However, once you do take that first step and see the results of change you start to create momentum.
Success with little changes inspires further actions – which lead to bigger changes.
Some of these steps may seem like they’ll only save a small amount. While that may be true, small changes put together can add up to make a big change. By following a combination of these ways to save money, I estimate our family saves at least $500/month. For us that is the difference between me being able to stay at home and needing to work outside the home.
Perhaps you love your job outside the home and if so that’s wonderful!
But no matter the size of your income or how many earners you have in your family, there is always a place for resourceful living.
If you have a super awesome tip for saving money or if some of these ideas have helped you, I’d love to hear from you in the comments below.
Looking to join a community of supportive, encouraging moms? Head over to my Facebook group Savvy Moms and request to join. We’d love to have you!
Thanks for reading!