Tips for the One Income family
Tips for the One Income Family

Tips For The One Income Family

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Suddenly, we went from having 2 incomes to only one income. It was and sometimes still is a struggle. However, I’ve learned a lot through my more than 10 years of living this way.

We all go through hard times. I wanted to share some things I’ve done to ease your way through all of this. I support all moms and dads, working at home or outside of the home.

My current situation is I work at home blogging (I don’t make much), and I homeschool my children, while my husband works full time.

 Stressful Jobs Lead to a Huge Burnout…

Several years ago, my husband and I found ourselves both in highly stressful jobs. We were burnt out, stressed, and broken.  

Since I’ve been at home, my husband and I learned how much better it is for not just the kids (surprisingly) but for us parents too!

It’s nice to have home-cooked meals, time to run errands, go to school functions, to love our children and spend time with them.

There are so many things that I love about this, setup I cannot even list them all!

So let’s talk about how to make it a little easier on the wallet.

The best things I did was reduce the grocery bill by using more coupons learning how to shop the sales and using tax money to buy a 1 year supply of everyday items like deodorant and shampoo.

Here are Some Ideas to Help Save Money on One Income:

  • Reduce grocery bills – by using coupons when possible and shop the sales.
  • Coupons apps – Coupons apps are becoming more and more popular, and offer another way to save.
  • Cancel subscriptions – Cable/Internet/Phone
  • Cook/eat at home/use cheap recipes – Here are some of my favorite: Dill Caper Pasta, Frittata, Hamburger Macaroni, Beef Stroganoff, Chicken Tetrazzini, Chicken Marsala
  • Buy off-brand items/Unless the brand name is cheaper with a coupon.
  • Shop thrift stores – if you need clothes, or do what I do and wait for someone to give you a bag of clothes.
  • Stockpile clothes – I also, keep clothes for the kids in the shed that were given to us! We have a couple of years ahead of us packed away that don’t fit just yet.
  • Toilet paper – I buy 2-3 boxes of this a year. I estimate I am saving probably $60-$70/yr.
  • Make Homemade Laundry Detergent.
  • Plant a garden.
  • Can or use other methods of preserving your garden veggies.
  • Use a store card to rack up gas points.
  • Buy some of those everyday items from a dollar store.
  • Homemade items – Some items are just cheaper to make at home… chap balm, hot cocoa, bread, biscuits, pancakes, & jams & jellies, homemade perfume, shea butter moisturizer and plenty more!
  • Plan to eat some cheap foods such as beans and rice, and soup is a great idea too.
  • Use your homemade items as gifts for family and friends!
  • Find new uses for something you might otherwise throw away. At Christmas time, I made a wreath with pine cones, paper bags from the grocery store, an old piece of garland, an old red bow, some paint and a piece of cardboard.
  • I started fermenting some things here recently and I found the perfect little cucumbers to use and the pack only costs $2.29! I can make two jars of fermented pickles. Water, spices, and salt are all pretty cheap, so it makes it much, MUCH cheaper to make my own.
  • Dry your clothes out on the line instead of using the dryer.

Ask For Help!

If you’re anything like my husband, you might be too good for charity. However, many churches collect food items and even holiday gifts for children in low income homes.

We’ve had help with making Thanksgiving dinner. A local church gave us almost everything we needed, including a whole turkey!

Reach out to non-profits in your area, or ask your local schools, or churches if you can be put on a list.

You can also check out Feeding America for more information about finding food banks.

Also, check to see if your city has a farm share program. We’ve received cases of fresh veggies, fruit, and packaged goods from a farm share program.

Helpful programs like these are the heroes when times get really tough!

You can also apply for government assistant like WIC, and food stamps.

Having only one income can be hard to manage. I sure hope this helps! I hope that I can keep adding to this list for all of you.

Maybe some of you can help? Do you have some good money saving ideas? I feel like I am forgetting some good ones. Feel free to leave a comment with your ideas. 🙂

 

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How to get by on one income. Having one income can be very hard on a family. Here are some tips I have learned from the many years of living that way. | http://homesteadwishing.com/tips-for-the-one-income-family/ | http://homesteadwishing.com/tips-for-the-one-income-family/ | Homestead Wishing, Author Kristi Wheeler | Frugal-tips, one-income-tips, frugal-living |

18 thoughts on “Tips For The One Income Family”

  1. I buy breàd at the local bread store the one in my area is the flowers brand. Instead of paying full price it’s at a discount. All so there is local food banks income driven. At the local community college once a year is a clothing swap. You can sell and buy children’s gently used clothing, shoes, jackets,coats,toys,books,and baby items for low prices.

  2. Along with coupons for grocery shopping, I also use money saving apps like Ibotta, check out 51, and MobiSave. It’s great to get cash back for things you already buy.

    1. I’ve heard of Ibotta, but not the other ones. I will have to check them out. There are unfortunately not many coupons for real food, just the boxed stuff. I don’t buy much of it, but when I do I try to find a coupon! Thanks Farron for the info!

      1. No problem! If you shop organic you should also try the apps Shrink and Berrycart. They mostly have coupons for organic items

        1. Oh really! That’s wonderful to know. I will definitely have to check those out. I don’t always buy organic. Right now the cheapest thing is what I buy. I am feeding 5+ people with about $300 or less a month. Thanks again Farron!

      2. Love this! Keep on please! A tip from me: If you find a super great priced item at a yard sale…resell it! Free enterprise going stro g! You may even get a little business going.

    2. I have been using MyPoints also. I have not mastered all of the ways to earn points, but like the coupons and surveys. There is also a good selection of rewards.

  3. So many people forget that to have both working, you have to have a second vehicle, pay for daycare, meals out instead of cooking every day at home, clothes for work, house cleaner and someone to do the yard work. Then there is lack of sleep and family time lost. When it is all added up, you may not really have to “sacrifice” much at all to have one parent stay home. I’m not sure that this is what the original feminists had in mind

    1. It’s very true that it is much cheaper (and a lot less work) when one person stays home. Unfortunately, that does not mean that it is affordable. One income is still difficult to pay all of the bills, unless the one person has a fantastic job that gets amazing pay, plus benefits. I somehow doubt working a full time job outside the home and then coming home and doing another is not what feminists had in mind either, but did they really think their husbands would pitch in much more? Like doing housework and such. That’s a joke. A handful of men might be up for the task, but they are few and far between. I do like that women have a choice though. Some women love to work outside of the home, and I’m glad they have the choice to do so! Thanks, Judy for your insightful input!

  4. I’m a stay at home mom of 3 boys also and am struggling to find ways to cut our grocery bill. We don’t eat processed or boxed foods, so for the most part coupons are out of the question. We do have a Sam’s club membership that is used every month for meat and frozen veggies, but it seems like we go through food so fast I can’t keep up! Our boys are 9, 8, and 4 and it feels like they are eating us out of house and home and for the most part we don’t have leftovers lol if you have any suggestions on how to keep up with their large appetites, I would appreciate it very much!

    1. Hey Mary! My boys are now 12, 11, and 8. Believe me I know all about it! They eat me out of the house too! So I have a couple of tips for you. I might just have to turn this into another blog post, lol!
      So, first I recommend stretching hamburger meat. Meat is super expensive this little trick helps a lot. Here’s how I do it… http://homesteadwishing.com/stretching-ground-beef” target=”_blank”>How To Stretch Ground Beef.

      Next, if they like beans, use them in place of meat one or two nights a week, in a soup, stew, or just plain old beans and rice. Or you can replace just some of the meat with beans. Beans are a good source of protein.

      Tacos can be cheaper if you stretch the beef like in the link above, plus make sure to put some refried beans in the bottom, and add a little less meat to stretch as far as possible. You have to add double the amount of taco seasoning when you stretch beef, well I do, but it also helps me to be able to put less meat on the tacos because the meat is super tasty!

      Another thing I do is stock up on items like toilet paper, using my tax return. So instead of putting it on the grocery list and using grocery money, I already have it stocked! Check out more at Everyday Items To Keep On Hand.

      I can’t always afford to buy snacks, but when I do I find cheap items at Trader Joe’s. Their salty peanuts are cheap. Banana chips, and other cheap dehydrated fruit, tortilla chips. I forget my whole list because it has been a while since I have really been able to get real snacks. We were getting farm share (free) for a while which was covering our snacks for a while! It is on my Easy Healthy Kid Snacks Post though, you should look at that.

      Next, start a garden. If you haven’t already. IF YOU CAN. If you can’t perhaps you can get some apple trees, or something that might be useful in a few years after it grows, because you and I both know this whole eating a lot of food is just going to increase as they get into those teenage years! My stepson was eating one whole LARGE pizza by himself as a teeenager! Ahhh! Seriously.

      Speaking of eating out, it is a rarity around here. Obviously, I don’t have to tell you that cutting it to a minimum will help immensely!

      My other tips, many of my recipes on my blog are quick, easy, and cheap to prepare. Check some of them out. I aim to try to make dinner for all five of us for under five dollars, if possible. With price increases in the last several years the prices are probably more like 7 to 9 bucks now, depending on the meal.

      I hope these tips help you! Feel free to use the contact area under the drop down menu “MORE” if you have more questions!

  5. I LOVE this article. I especially love that you support all moms and dads. That’s so important – since situations are NOT one-size-fits-all. I love your suggestions. I am a one-income home.. working to get debt-free and buy my land/build my homestead. Your advice is spot-on.

    1. Hey Dawn! That’s so nice to hear. Really! I totally agree. To each his own, right? We all lead very different lives. I am thankful that we are all different. I makes this world a little crazy but interesting. If we were all the same and doing everything the same way, it would be boring! I am so happy to hear that you are working towards getting debt free. We are doing the same thing! I wanted to buy a homestead last year, but it was not in the cards…yet. We are renting a beautiful place, where we are super happy for now. I really appreciate your compliments, and for stopping by!

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