20 Simple Ways To Save Money And Become A Money Saving Mom

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There are so many ways to save money but implementing those money saving tips is where most people get stuck. I will be the first to admit that saving money has not been the easiest for me.

However, after having two babies and expecting another on the way, saving money has been something I’ve worked very hard on.

In this blog post, I’m going to go over 20 of my personal favorite ways to save money that I know other moms can benefit from. I won’t sit here and claim that I’m a frugal mom but I am well on my way to becoming a money saving mom, thanks to these tips I’ve learned.

20 Ways To Save Money Naturally

1. Pull Out Cash

The easiest yet most challenging thing is to pull out cash for everything you want and need.

But you’ll need a solid month of preparation to estimate how much you’ll need for gas, food budget, and other things your family needs each month after bills such as rent or mortgage, car payment, insurance, electric and water, and phone bill.

You’ll take the cash out and only be allotted that amount for extra spending. Taking cash out will also help you visualize what you have without swiping your card mindlessly.

You’ll also be able to save money this way as well by putting aside an X amount of cash into your “savings” envelope and let the money stack up each month.

2. Limit Going Out

This money saving tip and the next one work hand in hand. But I wanted to specifically go over the limitations of going out.

Everyone, especially us moms, need to leave the house to give our kids fresh air and also help with our mental health.

But going out doesn’t have to cost money. You can go to the park, sit outside in the front with outdoor toys and a nice cup of homemade coffee, go for a walk around the neighborhood, or if you have great self-control you can go window shopping. Window shopping normally doesn’t work out for me (lol).

3. Stay At Home

Staying at home as much as you can is one of the best ways to save money. It prevents you from using gas, prevents from swiping your card, or spending the cash budget you set aside monthly.

Although staying at home can be quite boring, it could be a way for you to inquire a new hobby or even a side hustle to increase your family income.

4. Make Coffee At Home

ways to save money coffee at home

According to Drive Research, 74 percent of Americans drink coffee every day.

That is a lot of money on coffee.

There are so many ways to save money when drinking coffee. The number one way is to drink coffee at home using coffee grounds.

Many stores including amazon carry a wide range of coffee makers from the cheaper 12-cup coffee maker to the espresso and cappuccino maker with an automatic milk frother for all of us Starbucks lovers.

You can create your delicious $8 coffee at home for a fraction of the cost!

5. Purge Through Unnecessary Subscriptions

The amount of money that used to come out of my bank account every month from random subscriptions I barely or never used was outrageous.

I saw this particular money saving tip somewhere a couple of years ago and it has made a huge difference.

If you have an iPhone, go to your settings > your name at the very top with your apple ID > subscriptions > view your active subscriptions. This is where you can purge through unnecessary subscriptions that you may have purchased and didn’t realize it was reoccurring payment.

For the subscriptions that aren’t on your iPhones, you’ll want to go through your monthly bank statement, print it out, highlight the subscriptions that you no longer need or use, and log onto that designated subscription account to cancel.

Remember that every penny counts and those $4 or $10 subscriptions add up over time!

6. Get A Reusable Water Bottle

Gas station trips are one of the biggest money wasters. You can purchase a 12-count Gatorade in bulk for $7 at Wal-Mart but spend easily $3 for one at a gas station.

And buying water at a gas station is exactly the same except that water is way more easily accessible in every home.

Purchasing a reusable water bottle will be one of your greatest investments because it’ll help you stay hydrated while preventing you from spending unnecessary money on drinks.

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7. Set Money Aside To Savings

I talked about pulling cash out as one of the ways to save money. And that’s because I think that’s one of the most effective methods of saving money.

It’s much easier to set cash aside in an envelope labeled savings than to transfer money into savings just for you to transfer it back into your checking account to use.

Setting money aside whether it is cash or on mobile banking into savings will only work as long as you don’t touch it.

8. Eliminate Bad Habits

I should probably add “lifestyle” in front of bad habits. But this can pertain to any bad habits. Smoking cigarettes is not cheap nor is having a problem stopping at the gas station for drinks and candy.

By finding resources to help you stop smoking, it could save you a lot of money each week, month, and years to come along with benefiting health-wise.

And if you have a problem buying drinks at the gas station often whether its energy drinks, water, or coffee at a gas station, bring your reusable water bottle. Or buy energy drinks in bulk at the store.

You’re not going to save any money by constantly spending the extra money you do have each month on things that you can either pack with you from home or buy in bulk at the grocery store.

9. Buy Generic Brands

There are definitely some things that I personally don’t like buying the generic version of. However, most of the time, there is nothing wrong with buying a generic brand of something in order to save hundreds of dollars a month.

Food is the best example for purchasing generic brands. We love us some Great Value milk in our house because our toddler goes through milk like no other.

10. Use Coupons On Apps

If you want to become a real money saving mom, couponing will be your best friend.

I shop at Kroger and Winn Dixie quite often and love using their coupons and checking out their deals in order to save the most amount of money.

You might be a little more old school and avoid apps. There are still paper coupons that get mailed to homes all the time that you can save and cut to bring to your local grocery store.

11. Lower Grocery Budget

How often do you waste food that you buy at the grocery store? I know I waste quite a bit and I kick myself for it every single time.

By lowering your grocery budget, you’re less likely to buy things you know you won’t be cooking right away. And in turn, you won’t be wasting any groceries that you spent money on.

12. Eat At home

The number one reason why my family eats out a lot is that we’re too lazy to cook. I love cooking and if you follow me on Instagram, you’ll see all of the delicious meals I love to cook on my stories and Instagram highlights.

However, the meals that I tend to cook take a lot of prep time, lots of pots and pans which leads to a lot of dish washing.

One of the ways I’ve gotten to be less lazy about cooking in order to eat at home more often has been by making simpler meals. Another way we’ve saved money by eating at home more often has been making a large dinner for leftovers for the next day.

And if you have a hard time with cooking in general, simple family recipe books will be a total money saver.

13. Sell On Local Shops Like Marketplace

Facebook marketplace is my best friend. I love buying stuff on there as I do selling. So I guess it cancels each other out right?

Another one of my ways to save money by actually increasing your savings each month is by selling random things around the house that you aren’t using or want anymore.

If you don’t have time to post things online to sell money, you can always go the old fashion way and throw a yard sale. You get to declutter your house while making extra cash to add to your savings stash!

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14. Plan Errands Responsibly

Spend one day a week designated for running errands. This way you’re saving money on gas since you already need to leave the house.

Gas prices are not cheap and I’m not sure if it’ll ever be cheap again. For someone like me who lives at least 30 minutes to a store, I have to plan my errands wisely so that I don’t waste more gas than I need to.

15. Delete Shopping Apps

This is even painful for me to type. Deleting shopping apps was one of the most effective ways to save money for myself.

If you want to be super serious about saving money, then getting rid of your shop apps will be one of the best decisions you’ll ever make.

16. Separate wants from needs

It’s so much easier said than done. Separating our wants from our needs is literally step 1 to saving money.

I’m so guilty for persuading myself that my wants are actually my needs. And that is extremely toxic of me (lol whoops!).

I think if we can make the conscious effort to hold ourselves back from spending money on things that are not a necessity, then saving money will follow.

17. Save On Energy

Turning off the lights if we aren’t using it is a big thing in our house. Having the lights on in a bedroom while nobody is occupying that room is something that bothers me.

I also like to open up the blinds and not flick the light switch on during the day if I don’t need to. It actually bothers my mom that she’ll walk in on me cutting vegetables in the kitchen with the bare minimum light coming through the windows.

Yes I know, I’m so bad about utilizing energy. Maybe that’s why we’ve always had very affordable electric bills!

Turn off anything you’re not using, unplug, save on energy while saving money!

18. Unsubscribe From Tempting E-mails

You know those tempting pop-ups that ask you for your e-mail address in exchange for a coupon code? Yeah, stop falling for it. That’s how the brand or company continues to get you to spend your money.

One measly little coupon code will have you spending more money than you anticipated. Let’s just avoid the money throwing funnel by not typing in our e-mail address.

19. Make It A Competition

Do you like competing with your spouse? Or maybe even yourself.

Make it a competition by seeing who can save the most amount of money by the end of a month. Sometimes what you need is a little friendly competition to become a money saving mom.

20. Check Your Insurance Rates

Americans overpay for their auto insurance by nearly $37 billion per year, according to a new study by comparison website ValuePenguin.

It’s too easy to stick with the same insurance company that you’ve been with for years. But what if you could save a ton of money each month by going with a different insurance company.

The only way you’ll find out is by shopping around and getting quotes from multiple different insurance companies.

Check out SAHM Vivint Security System Review 2023 | Vivint vs ADT

Final Words

These 20 ways to save money could be a lot for you to take in especially if you struggle with a lot of the things I went over above.

You can write these down and start checking the ones that you’ve implemented and work on it little by little. Then, when you become successful at implementing a few of these, begin adding more money saving tips to your life.

By the time you realize it, you’ll have a good amount of money saved and be well on your way to becoming a money saving mom that can teach other mom friends how to save money.

Little progress adds up to big results.

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