• Skip to primary navigation
  • Skip to content
  • Skip to primary sidebar
  • Skip to footer

The Gracious Wife logo

  • Recipes
  • Home
    • Kitchen and Cooking Tips
    • Cleaning & Organization
    • Budget
    • Crafts & DIY
    • Decor
  • Family
    • Love & Marriage
    • Parenting
  • Holidays
    • Valentine’s Day
    • St. Patrick’s Day
    • Easter
  • About
  • Nav Social Menu

    • Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube

45 Financial Tips for the Busy Mom

1 · Jul 1, 2016 · 4 Comments

Pin523
Share20
Tweet
Email
543 Shares

Being a busy mom doesn’t mean you should ignore the finances.  Get smart with your money, even when you’re busy with these 45 clever Financial Tips for the Busy Mom.

45 Financial Tips for the Busy Mom - Being a busy mom doesn't mean you should ignore the finances.  Get smart with your money, even when you're busy with these 45 clever Financial Tips for the Busy Mom.  Hmm... Some of these are pretty useful.

45 Financial Tips for the Busy Mom

Being a busy mom means you’re always taking care of others and there are certain things that get pushed to the back of the agenda. Maybe you’re focused on homeschooling your kids or you are a carpooling mom. Whatever you’re busy doing, there is one part of your life that just doesn’t go away. The financial part of being a mom is always staring you in the face. You have to make the decision of making a budget and paying the bills. But there are ways to keep your financial head on straight if you look in the right direction.

45 Financial Tips for the Busy Mom

1.  Use cash: If you can help it, always use cash! It hurts more when you spend it.

MY LATEST VIDEOS

2.  Create a budget for your spending: A budget will help you stay on track with your spending.

3.  Write down when your bills are due.

4.  It’s okay to say no to your kids from time to time. Kids don’t need everything they lay their eyes on.

5.  Always check second-hand stores before paying full price. Why would you want to pay full price for anything you don’t have to?

6.  Consult your partner about big purchases. There’s nothing worse than having a budget set, only to find out they spent that money!

7.  Make a goal to eat at home at least 5 nights a week. Eating out is really a money sucker…but it’s o-so-good!

8.  Make a mini meal plan, so you have an idea of what you’ll be eating each week. For help on getting started with your meal plan, you can check out my free Monthly Meal Plans, updated with new menu ideas for breakfast, snack, and dinner every month. And head over to Budget Meal Planning Basics to see just how easy it is to get started!

9.  Create a savings account that your money can get direct deposited into. (Saves a trip to the bank).

10.  Consult a friend about any major financial purchases you are not sure about. A second (or third), neutral opinion can help you decide if it’s really a good choice.

11.  Buy generic foods when you can. Some things you just need the name brand.  Try some generic brand products to see which ones you like.  You might even like the generic brand better!

12.  Keep meals simple, so you don’t have to spend a ton of money on groceries.

13.  Buy produce from farmer’s markets if you don’t have time to grow your own.

14.  Utilize Amazon Prime to buy everything you forgot at the store.

15.  Keep your financial documents in a box and organize them once a week. Much less overwhelming than dealing with a financial mountain once per year…

16.  Keep track of your spending by viewing your bank account info from your phone.

17.  Deposit checks from the bank app on your phone.

18.  Stop and take a minute here and there to teach your kids about money. They’re always watching.  Check out THESE TIPS to get you started!

45 Financial Tips for the Busy Mom - Being a busy mom doesn't mean you should ignore the finances.  Get smart with your money, even when you're busy with these 45 clever Financial Tips for the Busy Mom.  Hmm... Some of these are pretty useful.

19.  Throw your change into a jar to cash in when something unexpected arises.

20.  Keep an envelope of emergency cash for those times you have an unexpected bill pop up.

21.  Know what constitutes as a financial emergency. Not having Chickfila in your budget that week is not a financial emergency.

22.  Put paying your bills on auto. Don’t stress yourself out by forgetting to pay something.

23.  Speaking of bills, cut loose the paper bills and watch how less cluttered your life becomes.

24.  Fill up your gas tank when you get paid and try to make it last all week. Who’s up for a good money saving challenge?

25.  Let your kids help you out with chores around the house. It’s okay to pay them for their hard work! Let them buy their own stuff with the money they earned. You just saved yourself a ton of headaches.

26.  Don’t beat yourself up for making a financial mistake. Get up and try again!

27.  Don’t waste your time on credit cards. Is there anything good that can come of one of those? Plastic surgery time.

28.  Budget for everything!

29.  Don’t let your money own you. Tell it where to go, not the other way around.

30.  Always pay your bills first and have fun after the fact. You’ll have more peace of mind if your bills are paid beforehand!

31.  Pay your bills in bulk. For example, you can always pay your insurance bill every six months, instead of every month. This gives you one less thing you need to think about, and it usually means less fees, too!

32.  Shop without the kids, if you can! It’s hard to make good financial decisions when you can’t concentrate.

33.  It’s okay to still write checks. They are very practical and helpful if you lose your debit card (or if one of your kids gets ahold of one).

34.  Always take a quick peek at your receipt after a shopping trip. This is to make sure they charged you the correct amount. I’ve gotten double-charged for items a couple of times! One less trip back you need to take to the store.

35.  Pay random bills online if you can, this saves you time and money.

36.  Take the time to save for a big purchase, instead of putting it on a credit card. While you may be a busy mom, you don’t want to cost yourself more money later.

37.  Go to a bank that gives you cash back for your purchases, yes these still exist!

38.  Have your kids help you with chores that you’d usually pay someone else for. Kids love doing things like washing the car or cleaning up dog poop. They just need a little motivation from mom.

39.  Never skip looking at the interest rate on your credit cards or other loans!

40.  Set reminders on your phone for big bills that are due. Kids soccer enrollment due? Mark it down on the calendar!

41.  Talk it out with yourself. If you don’t have someone to help make a big financial decision with, talk it out with yourself.

42.  Read quick financial tips on a daily basis. Dave Ramsey has really good tips and even a radio show you can follow.

43.  Join a Facebook group with like-minded financial individuals.

44.  Set financial goals for yourself and your family.

45.  Always second guess a purchase, it’s worth the second thought.

Being a busy mom is hard, especially when you have so much to think about financially. These 45 tips are great because they are small reminders that even though you’re busy, you can still be money savvy!

 

Did you like these 45 Financial Tips for the Busy Mom ideas? Find more on my Frugal Living and Parenting boards on Pinterest!

If you liked these 45 Financial Tips for the Busy Mom ideas, you might also like

Teaching kids about money when they're young will have a huge effect on their money management later in life. Start them off on the right foot with these 7 Tips for Teaching a Preschooler about Money. | parenting | kids | preschoolers

10 Tips for Teaching a Preschooler about Money

 

Tips to help you save more money. Start putting your money where you really want it (and need it!) with these 4 Ways to Motivate You to Save More Money. | save money | frugal living

4 Ways to Motivate You to Save More Money

 

How to set up your very own Home Management Binder, including FREE printables for the entire binder. Just print and put it together! From TheGraciousWife.com

Home Management Binder – FREE Printables

See More Budget and Frugal Living Tips

Never Miss a Thing!

Join our newsletter to get new recipes, tips, tricks, and tutorials every week!

Success! Now check your email to confirm your subscription.


There was an error submitting your subscription. Please try again.




 

45 Financial Tips for the Busy Mom - Being a busy mom doesn't mean you should ignore the finances.  Get smart with your money, even when you're busy with these 45 clever Financial Tips for the Busy Mom.  Hmm... Some of these are pretty useful.

Related Posts

5 Ways to Save Money on Major Appliances
4 Ways to Motivate You to Save More Money
10 Great Uses for Rubbing Alcohol
7 Simple Fixes for Clothing Damage
7 Marriage Tips Every Husband Needs to Hear
10 Tips for Teaching a Preschooler about Money
1
Pin523
Share20
Tweet
Email
543 Shares

Budget, Family Activities and Ideas, For The Home, Parenting Budget, Family, Frugal Living

Reader Interactions

Comments

  1. Tasheena @ Our Delightful Home says

    July 4, 2016 at 5:31 pm

    Great tips!

    Reply
  2. Brandi Pifer says

    July 5, 2016 at 7:54 am

    #’s 1 and 18 are big ones for me! I never have cash personally because my husband works. He only uses our bank card for everything and is rare for him to stop and get cash. But when I’ve had the odd job here and there, it is much harder to watch your cash be spent. Especially if it’s on frivolous things.
    And I need to set a better example for my kids. They see me sneaking a purchase here and there. Discipline would go a long way towards easing our cash flow problems when they crop up.

    Reply
  3. Adelien Tan says

    July 5, 2016 at 9:59 am

    Being a mom in the modern days should be smart as well in managing the financial matters of the family. To save a lot of money means to do it from little things. A great post that every mom needs to read to empower the home management success. Thank you for sharing at Family Fun Friday.

    Reply
  4. Betty says

    July 6, 2016 at 9:27 am

    I love number 13. Although I have not been this year, because our Farmers Market moved to downtown. I am looking forward to going.

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Picture of Michelle Medlin, The Gracious Wife

Hello! I’m Michelle!
I’m a comfort food lover with three amazing kids and a firefighter husband, surviving mostly on coffee. I love to create easy and delicious family recipes, and share creative family tips I’ve learned along the way.
Welcome to The Gracious Wife!
MORE ABOUT ME>>

Valentine’s Day

FREE DIY Printable Love Coupon Book for Him makes a perfect, loving gift for your sweetheart for Valentine's Day or even birthdays and anniversaries! Make a Love Coupon Book with 54 love coupons to choose from, some naughty and some nice. Tutorial with entire book printable for you to print!

Printable Love Coupon Book

Free Printable Emoji Valentines

Free Printable Ring Pop Valentines for Kids - Free Printable Ring Pop Valentines that are easy to put together and perfect for kids to hand out at their school Valentine's Day party.

Printable Ring Pop Valentines

Strawberry Heart Cookies Recipe -  OMG! You will never believe how easy these cookies are to make. These 5 Ingredient Strawberry Heart Cookies come out perfect every time! Unbelievably delicious and EASY Strawberry Heart Cookies drizzled in chocolate and made with just 5 ingredients! They're easy to make because they start from cake mix!

Strawberry Heart Cookies

Get Valentine's Day Ideas!

What's Trending Now:

  • Homemade Chicken Pot Pie Casserole Recipe Homemade Chicken Pot Pie Casserole Recipe
  • 10 Ball Park Hacks for Busy Families 10 Ball Park Hacks for Busy Families
  • Crockpot Overnight Breakfast Casserole Crockpot Overnight Breakfast Casserole
  • Easy No Fail Pie Crust Recipe Easy No Fail Pie Crust Recipe
  • Copycat Taco Bell Quesadilla Sauce Copycat Taco Bell Quesadilla Sauce

My Latest Videos

All Time Most Popular Posts!

  • Homemade Chicken Pot Pie Casserole Recipe
  • Southern Peach Cobbler
  • Classic Egg Salad
  • Easy No Fail Pie Crust Recipe
  • Homemade Mayonnaise Recipe
  • 10 Mom and Son Date Night Ideas
  • Homemade Flour Tortillas
  • Pipeable Cream Cheese Frosting
  • Chicken Alfredo Lasagna
  • Crab Rangoon Dip

Footer

Michelle is a wife and mother of three striving to make her home the happiest place on Earth for her family, and surviving mostly on coffee. She loves cooking, sewing, eating all things cheesy, and binge watching Netflix from time to time. Read More…

You can find me here too!

  • Facebook
  • Google+
  • Instagram
  • LinkedIn
  • Pinterest
  • Twitter
  • YouTube
  • About The Gracious Wife
  • Contact Us
  • Copyright Notice
  • Privacy Policy
  • Disclosure

Copyright © 2019 The Gracious Wife on the Cravings Pro Theme