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It’s becoming more and more common for people to have a two (or even three) income household.

We live with the idea that a one-income household is antiquated and unrealistic, but that’s not true.
If you want to stay at home, you can make it happen.
It just takes planning, motivation, and a bit of creative thinking.

If you’re currently a two income family and are looking to make a move to one-income, start making changes now, not later. Instead of spending all you have now, stock it away in a savings accounts or other options with higher pay-outs. That way you’ll not only have a cushion when you make the change, you’ll also already be used to spending less money and will have to make smaller adjustments to adapt to your new income.

Use your new situation to become a savings expert.
Sure, being a stay at home mom or dad is a full time job, but the change of location can help you fit in some money saving activities you may not have been able to do before.
Sure, you can do the normal activities like researching new ways to cut energy costs and use up every last bit of what you have, but there are other things you can do (and even include the kids) that will save even more money.

>> Make your own household products including soap, baby food, cleaners, and beauty products.
>> Search for coupons and freebies in your local papers and online.
>> Grow your own vegetables and spices.
>> Make products to sell. While most people have heard of ebay by now, there are new options that can get your products even more exposure.

When you make the move to one-income, plan for some costs that are going to rise with someone being at home all day long. Utilities will likely rise because you’ll be using more heat and other utilities. However, some of this might be compensated for by decreased costs like less eating out for lunch and gas for travel.

Don’t keep up with the Jones’s.
If you’re making the decision to be a one-income family, you must understand that you can’t financially keep up with two-income families. You may have to settle for buying and older or smaller house, keeping cars longer or buying them used, and forgoing big fancy vacations.

While it may take some extra work and you might have to live without some things you had before, it’s important to keep in mind the benefits you’re getting by staying home. The extra moments you’ll have with your family and the extra care you can give them are well worth the effort. Those are the things that made you make the decision in the first place.

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