10 Family-Budgeting Secrets Mommy Bloggers Swear By

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Having a family is expensive. In fact, the estimated cost to raise a child from birth to 17 years old is $233,610, according to the U.S. Department of Agriculture. While that’s undoubtedly a scary number, there are ways to keep costs down and the kids happy.

We chatted with five budget-conscious mommy bloggers (and one daddy blogger) about their top money-saving tips and how they keep their family on a budget. They’ve mastered everything from meal planning and child care to family vacations and birthday presents.

Here’s how they do it.

1. Meal planning

money saving tips

“We’ve all heard the common advice to make a list of meals for the week, write up a grocery list and only buy what’s on the list,” says Robyn of A Dime Saved. “I say do the opposite!” Yup, when it comes to figuring out how to feed her family on a budget, Robyn goes to the store, sees what’s on sale, and then plans her meals around what she buys.

“Tomatoes are on sale,” she says. “Go home and google tomato recipes. Is canned corn on sale? Look in your cookbooks for recipes with corn. Some of my favorite food recipes I found because I was searching what to do with food that I bought.”

Robyn also says this adds a bit of adventure and excitement to her family mealtime. “I discover new foods that me and my family like that we wouldn’t have thought of before,” she says. “I had a memorable meal two weeks ago where I tried tons of beet dishes because beets were dirt cheap.”

She adds, “I can save anywhere from $20 to $100 a week, or way more. It’s also a great feeling to know that you can feed your family on $20 a week if needed, which I have done.”

2. Student loan repayment

family budget

When budgeting for student payments, the first thing you need to do is figure out how much you can afford — whether you have a family or not.

Remember, your bill is not set in stone. If you have federal loans, there are many different loan repayment options to work with. If you just entered the job force and are having a hard time paying your bill, look into a graduated repayment plan. Your payments start small and then increase over time.

“Sometimes things happen in life, and you struggle,” says Kumiko Ehrmantraut, founder and creator of The Budget Mom. “For these times, I suggest looking into the income-based repayment plan. Your total due every month is based on your income, rather than the standard plan they initially set you up on. Make sure to talk to your loan provider and figure out your options.”

3. Family vacations

mommy blogger

“Travel during non-peak times if you have some flexibility around your children’s schedules,” says Cliff Hsia of Live, Family, Travel. “Not only are airports and destinations packed with people, everything is much more expensive. By flying during the offseason, we’ve saved at least $2,000 to $3,000 per international trip for our family.”

If traveling during the off-season is not feasible for your family, consider using credit cards with sign up and spending bonuses and incentives, and use those points for free nights at hotels and flights.

“With lots of credit cards offering rewards points there are many opportunities to accumulate a good amount of points to use for free nights at hotels and for flights,” says Cliff. “My personal favorite credit cards are Chase Sapphire Reserve, Chase Sapphire Preferred, and the Starwood Preferred Guest card. Every time we use points for hotels, we save at least $150 or more per night.”

While using points to pay for travel can certainly help with bringing vacation costs down, it’s important to make sure you can afford to pay down monthly balances in full. If you are unable to pay in full, then the accrued interest on purchases can counter any potential savings from points.

Cliff also advises staying in Airbnb apartments to save money on costly hotels. “For stays longer than a week, staying in Airbnbs makes a lot of sense,” he says. “You’ll get a kitchen, more space, and lower overall prices.”

For most of their travels around the world, Cliff and his family stayed in Airbnbs, which cut their accommodation costs by at least half. “On our trip through 10 countries in 10 months in 2015, we saved at least $10,000 in costs by staying in Airbnbs instead of hotels,” he says. “And our price for over a month-long stay in a nice two-bedroom apartment in the middle of Barcelona? $66 per night.”

4. Family activities

money saving tips

Finding ways to entertain your family can be difficult and expensive. That’s precisely the problem Peggy Chang faced when looking for ways to keep her kids occupied. That’s why she created ActivityHero, an online marketplace where you can shop for camps, after-school classes, workshops, and kids’ nights out.

What she learned from setting up the website was that you could save money on family activities by signing up for free workshops and events. “Many retail stores and shopping malls have free weekly or monthly craft or building activities,” says Peggy. “You’ll find free activities on ActivityHero.com, Eventbrite, Facebook or Nextdoor.”

Another one of her money-saving tips: “Save money on summer camps by getting early registration discounts, sibling and multi-session discounts. Look for value-priced camps that have a longer day if you need it.” Since camps can often be half days or full days, you’ll want to look for the ones that have the best per-hour rates. If you work a full-time job, finding a camp that has a full day of activities with a lower hourly rate can help with savings.

Regarding budgeting, make a category in your budget labeled “family fun” to allow for a little extra spending money for things like the amusement park or the zoo without breaking the bank. Kumiko recommends putting aside $100 a month if you can. Take whatever is unused each month and roll it into the next month. That way you can save up for a much bigger day out.

5. Kids’ needs

family budget

When it comes to clothes and back-to-school supplies, remember you don’t have to buy everything new. A great money-saving tip is to shop at secondhand stores for kids’ clothing.

“As a mom, you know that clothes don’t last long, so buying them new doesn’t make a lot of sense,” says Kumiko. “I make sure to buy clothes that are a little bigger so my son can grow into them. Also, I find that the best time to shop at thrift stores is when seasons change. It’s the time when people are cleaning out their closets or going through their seasonal clothes.”

In particular, Kumiko says a great time to go to a thrift store is around the first of the year. “People just got done buying new stuff during the holidays,” she says. “And are getting rid the old stuff to make room. It’s also the deadline for making donations that you can write off on your taxes.”

6. Mortgage/rent

mommy blogger

“For mortgages, consider refinancing when possible if it will drop your interest rates,” says Cherie Lowe creators of Queen Of Free. She went from having 22 years left on her mortgage to 15, saving her family around $50,000 if they go full term.

You will have to pay some upfront closing costs, which is why it’s important to do the math and find out how long it will take to recoup your closing costs. “If your rate lowers 1% – you are saving roughly $1,000.00 ($2,000.00 if 2% saved) for every $100,000 owed each year,” says Cherie.

For rent, check into referral programs your landlord might have, suggests Cherie. If you bring in a new tenant, some places offer a referral reward to you and the new resident. “When we lived in an apartment, we did this more than once,” she says. “If you live in a privately owned home and are in hard times, you may want to check with your landlord to see if there’s any way you could have your rent reduced for a set period of time.”

7. Transportation

money saving tips

When it comes to transportation, car issues can be one of the biggest expenses. “It’s never a question of if something is going to happen to your car that you will need to shell out money for, but when,” says Cherie. “Find a trusted mechanic and stick with the same one over a lifetime rather than hopping here or there to have the oil changed.”

She adds, “It may cost a little bit more but having a relationship with your mechanic can save you hundreds and even thousands of dollars over the years. A lot of chains work on commission and/or high pressure sales. A hometown mechanic can shoot you straight without overselling because they’re in it for a long term maintenance approach rather than one time shot based on a coupon or deal. This will keep your car up and running longer.”

Don’t know where to find one? “Ask your social network,” says Cherie. “People love to brag about reliable, worthwhile service.”

Cherie also advises putting time into maintaining your car as well as a preventive measure. You may have your hands full with the kids, but make it a point to regularly check your tires and tire pressure, get your oil changed regularly, and buy good windshield wipers.

8. Child care

family budget

Child care can be one of the most expensive parts of raising a child. According to 2016 Care.com member data, the average cost of a daycare center for infants is about $10,468 per year, but can go as high as $20,209 a year in some locations. Toddlers have similar pricing of about $9,733 a year. Opting for the nanny route? For one child, it will cost you about $28,905 a year, but can go as high as $32,677.

“If you don’t need a nanny 40+ hours a week, consider doing a nanny share,” says Juliet Izon of Juliet’s Married. “That’s when one nanny watches multiple children at once from different families. That way you’re not paying someone full time, but you can still attract candidates looking for a full-time salary.”

Juliet also adds, “Consider asking your boss if you can work one day from home and have your spouse or partner do the same. That way one to two days out of five working days are covered. That can add up to some big savings.”

If you average about $10,000 a year for child care, that’s about $42 a day. If two days a week are covered by you and your spouse, that’s over $300 a month in savings.

9. Holiday gifts

mommy blogger

Birthdays and holidays can be tough when it comes to both pleasing your children and your budget. To help pay off their $127,000 worth of debt, Cherie and her husband Brian stopped giving each other presents and put the money they would have spent towards their debt. But, when it came to their kids, they knew they couldn’t stop giving gifts.

“We’d always give each of our kids three gifts for Christmas,” says Cherie. “They get a book because reading is a gift, they get an item of clothing because not everyone gets a beautiful blue coat, and they get one big gift or electronic. They get something to open and at least one big item, which is all they need.”

Cherie also got creative with her stocking stuffers. “I actually use small pillowcases filled with practical but fun things like nail polish, junk cereal, a toothbrush, and bubble bath,” she says. “It’s practical and inexpensive items but feels splurgy. A huge box of goldfish was one of my daughter’s favorite gifts.”

10. Dining out

money saving tips

Just because you have kids doesn’t mean you can’t enjoy a nice meal out. While meal planning certainly helps with the day-to-day expenses of feeding a family, there are still ways to save money even at a nicer restaurant when dining with children.

“At a restaurant with no kids menu,” says Juliet. “It never hurts to ask if they can do a half portion of an entree like pasta or chicken. You won’t be charged for an adult portion, which will go to waste and your little one can work on refining her palate, to boot.”

Interested in refinancing student loans?

Here are the top 8 lenders of 2020!
LenderVariable APREligible Degrees 
Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.20% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.89% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 12/13/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.46% APR (with AutoPay) to 7.61% APR (without AutoPay). Variable rates currently from 2.31% APR (with AutoPay) to 7.61% (without AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% plus 0.75% margin minus 0.25% for AutoPay. If approved for a loan, the fixed or variable interest rate offered will depend on your credit history and the term of the loan and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

3 Important Disclosures for Figure.

Figure Disclosures

Figure’s Student Refinance Loan is a private loan. If you refinance federal loans, you forfeit certain flexible repayment options associated with those loans. If you expect to incur financial hardship that would impact your ability to repay, you should consider federal consolidation alternatives.


4 Important Disclosures for College Ave.

College Ave Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1College Ave Refi Education loans are not currently available to residents of Maine.

2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 1/1/2020. Variable interest rates may increase after consummation.


5 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

ANNUAL PERCENTAGE RATE (“APR”)
This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

FEE INFORMATION

There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.

LOAN AMOUNT

For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
For eligible Associates degrees in the healthcare field (see Eligibility & Eligible Loans section below), Lender will refinance up to $50,000 in loans for non-ParentPlus refinance loans. Note, parents who are refinancing loans taken out on behalf of a child who has obtained an associates degrees in an eligible healthcare field are not subject to the $50,000 loan maximum, refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information about refinancing ParentPlus loans.

ELIGIBILITY & ELIGIBLE LOANS

Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).

Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.

All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.

For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.

INTEREST RATES

The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.

DISBURSEMENT OPTIONS

The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.

POSTPONING OR REDUCING PAYMENTS

After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.

We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.

We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.

If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

This information is current as of November 8, 2019 and is subject to change.


6 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.


7 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.76% effective November 10, 2019.


8 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 12/019/2019 student loan refinancing rates range from 1.90% to 8.59% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.

1.99% – 6.89%1Undergrad
& Graduate

Visit Earnest

2.31% – 7.36%2Undergrad
& Graduate

Visit SoFi

2.06% – 6.81%3Undergrad
& Graduate

Visit Figure

2.62% – 6.12%4Undergrad
& Graduate

Visit College Ave

1.99% – 6.65%5Undergrad
& Graduate

Visit Laurel Road

1.99% – 7.06%6Undergrad
& Graduate

Visit Splash

1.85% – 6.13%7Undergrad
& Graduate

Visit CommonBond

1.90% – 8.59%8Undergrad
& Graduate

Visit Lendkey

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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