I have been a stay at home mom for over 10 years now. Ten. years. It’s crazy. When I started being a stay at home mom people gave me all kinds of advice. One of the biggest things I heard was that “money would be tight, but it would be worth it…” Fair enough. Money was going to be tight, so you know what I did? I assumed that living paycheck to paycheck was a normal thing. Because we only had one income, money was meant to be tight, right? Instead, what I should have done was buckle down, create a stable budget that allowed us financial freedom and encouraged us to save for the future. The hard truth is, you need to plan for retirement as a stay at home parent. This post is designed to walk you through how to get started.
As a teenager, I used to rearrange my room
I remember years ago our church challenged us to try and create an extra $5 per day. They gave examples of giving up our daily coffee shop stop. Because I didn’t get daily coffee, I instantly assumed that I wasn’t wasting any money and there was no feasible plan for me to find an additional $5 per day in my budget. We were living paycheck to paycheck. Money was just too tight. There was no way we could swing it. Maybe it would work for other people, but certainly not us. If you feel the same way, I’m about to drop some truth bombs about where your $5 per day might be hiding and show you just how huge of an impact saving $5 per day can have on your entire life!
I have a friend and she is ahhhmazing at throwing the most extravagant, Pinterest worthy birthday parties ever for her kids. Every time we attend I can’t help but giggle because, well, I’ve dropped the ball in the birthday party department. I used to be the mom searching Pinterest, finding the best ideas and putting together a fun, pin-worthy party for my kids. Now…well, now I’m a little more hose in the back yard kind of mom. My new favorite is a budget friendly minimalist birthday party. How have I managed to make the transition and still keep my kids happy? Lemme break it down…
There is a lot to read on the internet these days about why people hate their jobs. Here are three things only people who hate their jobs will understand. Maybe it’s your boss, maybe it’s the paycheck, your co-workers or maybe you’re just not living your dream. Whatever the case, it can be really hard wanting to quit your job when you have no money. If you already feel like you’re living paycheck to paycheck, how in the world are you supposed to quit your job? My best piece of advice is to have a game plan. Do not just quit! Here are 7 easy to follow steps to help you get clear about how to plan to quit.