Make Money From Home

34 Savings and Money-Making Tips for Moms – GOBankingRates

AfricaImages / Getty Images/iStockphot…….

AfricaImages / Getty Images/iStockphoto

Raising a family on a budget is a daunting task. From infancy up to adulthood, kids are expensive, and it takes a lot of creativity and strategy to keep the finances in order.

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GOBankingRates asked some of the top female bloggers and finance experts (who also happen to be mothers) for their best money-saving tips for staying on top of family finances.

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1. Build Your Weekly Menu Around Grocery Store Sales

To combat one of the biggest expenses families face — food costs — take advantage of every bit of leeway your local supermarket offers. Jeanette Pavini, savings expert for, told us moms can get more control over their budgets by planning meals around sales. “By simply building their weekly meal menu around what’s on sale at the grocery store, using reward/loyalty programs and coupons, you can save up to 40 percent on your grocery bill,” she said.

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2. Be Financially Independent

Part of being a parent is accepting the huge responsibility of protecting your family’s financial future. According to Emma Johnson, founder of, that starts with addressing your own personal finances.

“Never depend on anyone else for your financial security. Life can happen at any time — death, divorce, disability,” Johnson said. “It is your responsibility as an adult and parent to always take responsibility for the security of yourself and your family.”

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3. Make an Extra Mortgage Payment

Just one extra mortgage payment a year can get your principal down, allows you to pay off your home faster and saves you money on interest, said Debbie Andersen of Pineapples & Palm Trees. She used this strategy herself, telling us, “Our home loan was paid off years before its time and my husband thanks me constantly.”

4. Keep Your Pantry Stocked

Cooking a family dinner at the end of the day can be stressful, but a well-stocked pantry can make this task easier, healthier and more affordable. So just what is a “well stocked pantry”?

Culinary expert and cookbook author Holly Clegg explained: “Think of a well-stocked pantry as …….


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