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Whether you’re a stay at home mom or a stay at home working mom, you’ve definitely thought about how you can make or save money. Especially if you’re a stay at home working mom (or aspiring to be), then you’ve definitely thought about how you can make money online. How quickly you can make that happen. How much you need to make to contribute your family’s financial success.
But what about the money we save? If we save money on the things we’re already buying for our family, like groceries, diapers, kids activities, and even self-care for ourselves as moms, isn’t that kind of like making money? I think so! Anything saved is money in your pocket.
So, let’s talk about some stay at home (working) mom money saving tips that I’ve found throughout my (at the time of writing this) 5 year stay at home working mom journey.
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP
AFFILIATE DISCLAIMER: I SOMETIMES LINK TO PRODUCTS AND SERVICES TO HELP COVER THE COSTS OF RUNNING THIS BLOG. THERE’S NO EXTRA COST TO YOU – AND I ONLY RECOMMEND PRODUCTS THAT I’VE BOTH USED PERSONALLY AND THINK ARE QUALITY PRODUCTS THAT HELP WITH EFFICIENCY. PLEASE READ MY AFFILIATE DISCLOSURE FOR MORE INFORMATION. THANKS FOR YOUR SUPPORT!
There are many ways to save money as a stay at home working mom. Some of the easiest ways are money-saving apps. But you can also open a high-yield savings account to make interest each month on the money you’ve saved. Plus, these accounts accrue compound interest for even more money in your pocket.
And we can’t forget about cash back rewards credit cards, which are a great way to get some extra cash. As long as you always pay off your balance each month. And of course, bulk stores like Sam’s Club or Costco can be a great way to save on the items you use regularly.
So let’s go through this round up of money-saving tips that I’ve found over the past 5 years of being a stay at home working mom. We’ll start with the importance of a budget and some free resources to get you started.
Creating a budget is a crucial step in managing your finances effectively. It allows you to track your income, set spending limits, and prioritize your expenses. By having a clear budget in place, you can identify areas where you can cut back, save more, and achieve your financial goals.
Basically, if you don’t know where your money is going, you can’t figure out where to start when trying to lower your bills. You have to know where each little bit is going. Including the money that’s going into your savings, things you pay annually or every six months, and your general bills.
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP
Some of these apps take just a little time and some no time at all. So let’s start with the apps that use the receipts from the things you’re already buying. You don’t have to plan anything extra. You’re just getting points on the things you’re already buying.
So here are the 9 money-saving apps that I use and highly recommend.
This one is new for me! I added the app to my phone and started getting deals back instantly for things that had purchased online a few days ago. If you use this link, you’ll get and extra $12 to get you started.
So how does it work? Well, BrandClub offers exclusive deals and discounts on a wide range of products, but the cool thing about it is that it’s a loyalty money-saving app. So if you’re loyal to any name brands, you’ll get more cash back for it. Connect the stores you shop at regularly. I connected Kroger, Amazon, Target, and Walmart, so I can get cash back from those specific stores.
For example, if there’s a cash back offer for Kroger all I have to do is get groceries at Kroger like normal. Then my cash back will be moved from my view balance to my cash out balance. I can cash out at anytime, but they take $1 each time I cash out. So I like to let it build up a little before I cash out.
I always get cash back at Kroger for any of the name brands that I buy. I just go into the BrandClub app, hit the plus sign at the bottom, and it’ll sync my purchases. It’s so easy.
Rakuten (formerly known as Ebates) provides cashback and coupons for online shopping, allowing you to earn money while making purchases.
How does it work? Download the Rakuten app. Shop and spend $30 and you’ll get a $30 cash back bonus. Here’s how it works:
You can also add Rakuten to your Chrome browser for desktop shopping, and Rakuten will automatically work while you’re shopping. Simply visit your favorite sites, and Rakuten will search for better deals and cash back options for you.
Upside is a handy app that offers cashback on gas purchases, helping you save money on fuel expenses. Right now, with my link (or use code KDCP92) you’ll get $11.11 the first time you use the app. I love this one because you need gas.It’s something you’re buying anyway, so might as well save some money while you’re doing it.
All you have to do is download the Upside app, add your credit card that you’ll pay for gas with, and then start saving. Each time you need gas, open the app and see nearby gas stations with cash back options. I generally find 10% cash back, but that could be different in your area.
You’ll click claim for the offer you want, and it’ll give you about 30 minutes to use the offer. Once you’ve gotten your gas and paid using your card on file in the Upside app, you simply click paid. Your cash back will be in your Upside app within a few days.
You can cash out directly to your bank account at any time. Or you can get gift cards starting at $10.
Related Article: How I Quit My Corporate Job and Became a Work from Home Mom
Plus, now Upside is adding cash back on other items like restaurants. My lifetime amount so far is $73.74, and I’ve been using the app for about a year.
But I stay home with my kids, so I don’t drive as often as most might. And I also use Kroger fuel points from our grocery orders as well.
With this link, you’ll get 100 points to get you started. And Fetch is so easy to get started with.
Simply download the app, and start scanning receipts. All of your receipts. You scan each receipt and automatically get 25 points on everything.
Some receipts will have bonus points for certain brands. As an example, I could go to the gas station and get my husband a Mountain Dew and bag of Doritos. It might have a bonus for both of those brands. I could walk away with 300 points from one purchase. As your points add up, you can redeem them for
With this link, you’ll get $5 to get you started with Ibotta. So how does it work? Ibotta offers cashback on groceries, online shopping, and even restaurant purchases, making it an excellent app for saving money on a variety of items.
My only issue with this app, and it really isn’t Ibotta’s fault. But I like to use grocery pick up at Kroger. Once I get my groceries, they don’t give me a receipt to scan into Ibotta, so I can’t get my points. They have since added an option for online offers. It’s always a set 2% cash back, which is something but it’s a lot less than what you would get with the normal offers.
But if you don’t use grocery pick up a lot and go in-store, you can really rack up the cash back with Ibotta. I used to get $25 gift cards back regularly. My husband and I would keep them for date nights and go somewhere different each month. And all on our cash back from our groceries. You can also link it to your bank account for cash, instead of gift cards.
I’m sure you’re familiar with Amazon’s Subscribe and Save. But, if you’re a mom with babies and still use diapers or pull ups, this can be huge.
So, I used to always get Target brand diapers (I also like Meijer if you have one in your area), but my youngest gets a rash from anything but Pampers. So I started ordering those from Amazon. They tend to either match or beat Target with deals.
They even offer deals to match Target’s Buy $100 worth of diapers and get a $20 gift card. But Amazon just gives you the $20 off, instead of a gift card. We also use Subscribe and Save for many other household items that we use regularly like toilet paper, paper plates, dishwasher detergent, and Mrs. Meyer’s cleaning products.
If you don’t have Amazon Prime already, get your free 30 trial of Amazon Prime.
Specifically designed for parents, the Pampers Rewards App allows you to accumulate points by purchasing Pampers products, which can be redeemed for various rewards. Like I said above, I used to be partial to Target brand diapers but I had to switch to Pampers only for my youngest. This app let’s me scan the diapers and wipes to get cash back and coupons for more diapers.
Get the Target Circle app for discounts on groceries, baby items, and more. Plus, you can pair your Target Circle savings with Ibotta and BrandClub. Or buy online and pair it with Rakuten. And don’t forget to scan your receipt into Fetch!
So there are many places to get groceries, and you’ll choose what works best for you. For our family, we’re pretty loyal to Kroger for a few reasons. Number one their produce just seems to be better, at least in our area. Number two, the fuel points.
Using the Kroger card, buying mostly Kroger brands, and getting rewards points for fuel makes it the best option for us. I’ve tried Walmart and Meijer, but Kroger is our favorite.
Plus, you can use your fuel point rewards at any Shell station. It says any participating Shell station, but I haven’t found one that doesn’t take the rewards points. At least not yet. But anywhere you can’t get the fuel points to work, just use Upside! We have a local Shell station, so I actually combine and use both when I can.
Just scan your Kroger card to get use your fuel points to lower the price per gallon. Plus, claim the Upside offer, and you’ll get cash back in Upside on top of your discount from Kroger. It’s a double win!
I’m not affiliate with Kroger in any way, so I don’t have any sign-up bonuses with this one. However, they run offers regularly. So I would just make sure to look for any special offers for new sign ups if you decide to try this one out.
You can usually get $15 off of $75 for first time grocery pick up orders in the app. They also offer 4X Fuel points rewards on gift cards. And you can also sign up for Boost for even more savings. I haven’t tried Boost at the time of writing this, but they are offering a free 30 day trial right now. I’ll update this article once I try it out.
My favorites are Costco and Sam’s Club. These warehouse clubs offer bulk purchasing at discounted prices, helping you save money on groceries, household essentials, and more. You have to pay for a membership, but Sam’s Club offers 50% off membership quite regularly.
Marcus by Goldman Sachs is an online banking platform that offers high yield savings accounts. With competitive interest rates, Marcus provides an opportunity to grow your savings faster. Although other institutions may occasionally offer higher yields, Marcus consistently provides one of the highest average yields, ensuring that your money works harder for you in the long run.
Plus, using my link will give you an extra referral bonus (at the time of writing this it’s an extra 1%, but referral rates can change at any time) added to your interest rate for three months(at the time of writing this, the regular rate is 4.15% APY). They offer no fees and no minimum deposit.
If you’re trying to save money, credit cards aren’t the best way to do so. But, if you have a budget and you know you can stick to it then the cash back rewards can be a great way to save some extra money. There are many credit cards you can get with cash back rewards or even travel miles as rewards. Pick and choose what works best for you and your family.
My family uses Capitol One Quicksilver Rewards card for 1.5% cash back on all purchases. Plus, right now they’re offering a one-time $200 cash back bonus when you sign up, get approved, and spend $500 on purchases within 3 months from account opening.
As a stay-at-home working mom, saving money and managing your finances effectively is crucial. By utilizing money-saving apps like Upside, BrandClub, and Rakuten, practicing budgeting with free resources like Mint and EveryDollar, exploring high yield savings options like Marcus by Goldman Sachs, and using cash back credit cards like Quicksilver Capitol One Rewards card, you can make significant strides in achieving your financial goals and securing a brighter future for your family. So let me know in the comments which of these strategies do you already use or are going to start implementing today?
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP
Whether you’re a stay at home mom or a stay at home working mom, you’ve definitely thought about how you can make or save money. Especially if you’re a stay at home working mom (or aspiring to be), then you’ve definitely thought about how you can make money online. How quickly you can make that happen. How much you need to make to contribute your family’s financial success.
But what about the money we save? If we save money on the things we’re already buying for our family, like groceries, diapers, kids activities, and even self-care for ourselves as moms, isn’t that kind of like making money? I think so! Anything saved is money in your pocket.
So, let’s talk about some stay at home (working) mom money saving tips that I’ve found throughout my (at the time of writing this) 5 year stay at home working mom journey.
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP
AFFILIATE DISCLAIMER: I SOMETIMES LINK TO PRODUCTS AND SERVICES TO HELP COVER THE COSTS OF RUNNING THIS BLOG. THERE’S NO EXTRA COST TO YOU – AND I ONLY RECOMMEND PRODUCTS THAT I’VE BOTH USED PERSONALLY AND THINK ARE QUALITY PRODUCTS THAT HELP WITH EFFICIENCY. PLEASE READ MY AFFILIATE DISCLOSURE FOR MORE INFORMATION. THANKS FOR YOUR SUPPORT!
There are many ways to save money as a stay at home working mom. Some of the easiest ways are money-saving apps. But you can also open a high-yield savings account to make interest each month on the money you’ve saved. Plus, these accounts accrue compound interest for even more money in your pocket.
And we can’t forget about cash back rewards credit cards, which are a great way to get some extra cash. As long as you always pay off your balance each month. And of course, bulk stores like Sam’s Club or Costco can be a great way to save on the items you use regularly.
So let’s go through this round up of money-saving tips that I’ve found over the past 5 years of being a stay at home working mom. We’ll start with the importance of a budget and some free resources to get you started.
Creating a budget is a crucial step in managing your finances effectively. It allows you to track your income, set spending limits, and prioritize your expenses. By having a clear budget in place, you can identify areas where you can cut back, save more, and achieve your financial goals.
Basically, if you don’t know where your money is going, you can’t figure out where to start when trying to lower your bills. You have to know where each little bit is going. Including the money that’s going into your savings, things you pay annually or every six months, and your general bills.
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP
Some of these apps take just a little time and some no time at all. So let’s start with the apps that use the receipts from the things you’re already buying. You don’t have to plan anything extra. You’re just getting points on the things you’re already buying.
So here are the 9 money-saving apps that I use and highly recommend.
This one is new for me! I added the app to my phone and started getting deals back instantly for things that had purchased online a few days ago. If you use this link, you’ll get and extra $12 to get you started.
So how does it work? Well, BrandClub offers exclusive deals and discounts on a wide range of products, but the cool thing about it is that it’s a loyalty money-saving app. So if you’re loyal to any name brands, you’ll get more cash back for it. Connect the stores you shop at regularly. I connected Kroger, Amazon, Target, and Walmart, so I can get cash back from those specific stores.
For example, if there’s a cash back offer for Kroger all I have to do is get groceries at Kroger like normal. Then my cash back will be moved from my view balance to my cash out balance. I can cash out at anytime, but they take $1 each time I cash out. So I like to let it build up a little before I cash out.
I always get cash back at Kroger for any of the name brands that I buy. I just go into the BrandClub app, hit the plus sign at the bottom, and it’ll sync my purchases. It’s so easy.
Rakuten (formerly known as Ebates) provides cashback and coupons for online shopping, allowing you to earn money while making purchases.
How does it work? Download the Rakuten app. Shop and spend $30 and you’ll get a $30 cash back bonus. Here’s how it works:
You can also add Rakuten to your Chrome browser for desktop shopping, and Rakuten will automatically work while you’re shopping. Simply visit your favorite sites, and Rakuten will search for better deals and cash back options for you.
Upside is a handy app that offers cashback on gas purchases, helping you save money on fuel expenses. Right now, with my link (or use code KDCP92) you’ll get $11.11 the first time you use the app. I love this one because you need gas.It’s something you’re buying anyway, so might as well save some money while you’re doing it.
All you have to do is download the Upside app, add your credit card that you’ll pay for gas with, and then start saving. Each time you need gas, open the app and see nearby gas stations with cash back options. I generally find 10% cash back, but that could be different in your area.
You’ll click claim for the offer you want, and it’ll give you about 30 minutes to use the offer. Once you’ve gotten your gas and paid using your card on file in the Upside app, you simply click paid. Your cash back will be in your Upside app within a few days.
You can cash out directly to your bank account at any time. Or you can get gift cards starting at $10.
Related Article: How I Quit My Corporate Job and Became a Work from Home Mom
Plus, now Upside is adding cash back on other items like restaurants. My lifetime amount so far is $73.74, and I’ve been using the app for about a year.
But I stay home with my kids, so I don’t drive as often as most might. And I also use Kroger fuel points from our grocery orders as well.
With this link, you’ll get 100 points to get you started. And Fetch is so easy to get started with.
Simply download the app, and start scanning receipts. All of your receipts. You scan each receipt and automatically get 25 points on everything.
Some receipts will have bonus points for certain brands. As an example, I could go to the gas station and get my husband a Mountain Dew and bag of Doritos. It might have a bonus for both of those brands. I could walk away with 300 points from one purchase. As your points add up, you can redeem them for
With this link, you’ll get $5 to get you started with Ibotta. So how does it work? Ibotta offers cashback on groceries, online shopping, and even restaurant purchases, making it an excellent app for saving money on a variety of items.
My only issue with this app, and it really isn’t Ibotta’s fault. But I like to use grocery pick up at Kroger. Once I get my groceries, they don’t give me a receipt to scan into Ibotta, so I can’t get my points. They have since added an option for online offers. It’s always a set 2% cash back, which is something but it’s a lot less than what you would get with the normal offers.
But if you don’t use grocery pick up a lot and go in-store, you can really rack up the cash back with Ibotta. I used to get $25 gift cards back regularly. My husband and I would keep them for date nights and go somewhere different each month. And all on our cash back from our groceries. You can also link it to your bank account for cash, instead of gift cards.
I’m sure you’re familiar with Amazon’s Subscribe and Save. But, if you’re a mom with babies and still use diapers or pull ups, this can be huge.
So, I used to always get Target brand diapers (I also like Meijer if you have one in your area), but my youngest gets a rash from anything but Pampers. So I started ordering those from Amazon. They tend to either match or beat Target with deals.
They even offer deals to match Target’s Buy $100 worth of diapers and get a $20 gift card. But Amazon just gives you the $20 off, instead of a gift card. We also use Subscribe and Save for many other household items that we use regularly like toilet paper, paper plates, dishwasher detergent, and Mrs. Meyer’s cleaning products.
If you don’t have Amazon Prime already, get your free 30 trial of Amazon Prime.
Specifically designed for parents, the Pampers Rewards App allows you to accumulate points by purchasing Pampers products, which can be redeemed for various rewards. Like I said above, I used to be partial to Target brand diapers but I had to switch to Pampers only for my youngest. This app let’s me scan the diapers and wipes to get cash back and coupons for more diapers.
Get the Target Circle app for discounts on groceries, baby items, and more. Plus, you can pair your Target Circle savings with Ibotta and BrandClub. Or buy online and pair it with Rakuten. And don’t forget to scan your receipt into Fetch!
So there are many places to get groceries, and you’ll choose what works best for you. For our family, we’re pretty loyal to Kroger for a few reasons. Number one their produce just seems to be better, at least in our area. Number two, the fuel points.
Using the Kroger card, buying mostly Kroger brands, and getting rewards points for fuel makes it the best option for us. I’ve tried Walmart and Meijer, but Kroger is our favorite.
Plus, you can use your fuel point rewards at any Shell station. It says any participating Shell station, but I haven’t found one that doesn’t take the rewards points. At least not yet. But anywhere you can’t get the fuel points to work, just use Upside! We have a local Shell station, so I actually combine and use both when I can.
Just scan your Kroger card to get use your fuel points to lower the price per gallon. Plus, claim the Upside offer, and you’ll get cash back in Upside on top of your discount from Kroger. It’s a double win!
I’m not affiliate with Kroger in any way, so I don’t have any sign-up bonuses with this one. However, they run offers regularly. So I would just make sure to look for any special offers for new sign ups if you decide to try this one out.
You can usually get $15 off of $75 for first time grocery pick up orders in the app. They also offer 4X Fuel points rewards on gift cards. And you can also sign up for Boost for even more savings. I haven’t tried Boost at the time of writing this, but they are offering a free 30 day trial right now. I’ll update this article once I try it out.
My favorites are Costco and Sam’s Club. These warehouse clubs offer bulk purchasing at discounted prices, helping you save money on groceries, household essentials, and more. You have to pay for a membership, but Sam’s Club offers 50% off membership quite regularly.
Marcus by Goldman Sachs is an online banking platform that offers high yield savings accounts. With competitive interest rates, Marcus provides an opportunity to grow your savings faster. Although other institutions may occasionally offer higher yields, Marcus consistently provides one of the highest average yields, ensuring that your money works harder for you in the long run.
Plus, using my link will give you an extra referral bonus (at the time of writing this it’s an extra 1%, but referral rates can change at any time) added to your interest rate for three months(at the time of writing this, the regular rate is 4.15% APY). They offer no fees and no minimum deposit.
If you’re trying to save money, credit cards aren’t the best way to do so. But, if you have a budget and you know you can stick to it then the cash back rewards can be a great way to save some extra money. There are many credit cards you can get with cash back rewards or even travel miles as rewards. Pick and choose what works best for you and your family.
My family uses Capitol One Quicksilver Rewards card for 1.5% cash back on all purchases. Plus, right now they’re offering a one-time $200 cash back bonus when you sign up, get approved, and spend $500 on purchases within 3 months from account opening.
As a stay-at-home working mom, saving money and managing your finances effectively is crucial. By utilizing money-saving apps like Upside, BrandClub, and Rakuten, practicing budgeting with free resources like Mint and EveryDollar, exploring high yield savings options like Marcus by Goldman Sachs, and using cash back credit cards like Quicksilver Capitol One Rewards card, you can make significant strides in achieving your financial goals and securing a brighter future for your family. So let me know in the comments which of these strategies do you already use or are going to start implementing today?
Related Article: Work From Home Jobs for Moms: How to Find and Succeed in the Right OpportunityAMP