One income mamas
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If you want a quick win to start with, I’d stop using Uber Eats for groceries as it’s a very expensive way to shop!
I’m a SAHM. His income goes into a joint account, all bills come out, and we use what’s left as we both see fit unless it’s a big purchase in which case we both discuss it first. We worked out we could do this on his income which is a lot lower than 4k. During mat I budgeted and cut costs wherever I could (new deals on insurance, phones, internet, gas/electric, everything) as will as choosing a Tesco delivery saver (£48 for a years worth of free click and collect and free delivery slots from 3pm every day). I shop reduced sections, I pick up freebies on Facebook (so many of my daughters clothes and toys were free off Facebook!). I also buy and sell on vinted, and hardly buy anything new for any of us unless it’s a necessity. Can you make some swaps, take a deep dive at finances, and see it if works?
Thank you mums. Ah yeah so uber eats is when I’m desperate in need of something but I’ll def try to cut down and also toys probably need to stop buying brand new ones. I don’t really know, we never thought of it. We both have our own accounts :/
@Sophie we didn’t go through each expense n check. It was a very verbal conversation.. and I’m struggling with 3 days :( don’t think I will ever be able to be a sahm
With the cost of living the way it is, a lot of people can’t manage it financially to be a SAHM, you’re not alone in that. I think you have to reframe it by thinking about the things you’re able to have because you work that you’d have to go without if you didn’t 😊
Lots of questions here… If you’re married, why are your finances still separate? Why don’t both of your earnings go in one “pot” that belongs to the whole family? When you discussed cutting your hours at work, did you sit down and look at whether you could afford to do so and what the impact would be on the overall family budget? Did your husband agree to make up the shortfall? If you’re both in the red it sounds like you really need to be working more hours, and/or sitting down with your husband and looking at where the opportunities are to cut your family’s spending.