r/stayathomemoms • u/Consistent-Credit423 • Dec 19 '24

Question How much does your husband make

Does anyone have any advice on how we can save money? We make 100k a year, but it feels like we're struggling to make ends meet while saving to purchase a house. Additionally, we need to kickstart a college fund for our child and plan to have another child in a couple of years.

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u/Consistent-Credit423 Dec 19 '24 edited Dec 19 '24
  • Weekly food expenses: $300 - $400
  • Hair care: $350
  • Monthly nails: $120
  • Rent: $2,500
  • Monthly takeout: $250
  • Housekeeping: $200
  • Baby clothes: $200
  • Monthly cleaning supplies: $200
  • Miscellaneous expenses: $1500
  • Phone bill: $150
  • Credit card bill: $250
  • car bill:500
  • car inurance: unknown
  • loan: unknown
  • health insurance: 120
  • My husband spends an unknown amount on his credit card bills but I know it’s quite high.

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u/ChillmerAmy Dec 19 '24

A lot to unpack here. $300-$400 for food weekly plus $250 takeout is a lot. For my family of four our weekly grocery bill is closer to $125.

Can you simplify your beauty routine a little? $470 on grooming also has a lot of room to cut expenses. I don’t think I spend $470 a year.

Try a consignment store for baby clothes.

Honestly this budget just sounds like a ton of lifestyle creep. If you are serious about affording a mortgage you will have to make some sacrifices.

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u/Consistent-Credit423 Dec 19 '24

It's really tricky to trim down my weekly grocery expenses to $125. I've been making an effort to cut back on food costs, but it feels like such a challenge!

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u/Solid_Foundation_111 Dec 20 '24

Yeah $125 is pretty low for a family of 3-4. I’d say $250-$400 if you’re eating well, but the $250 takeout is too much monthly on top of groceries. What’s misc expenses? That’s a big number for randoms. Anything you could cut out there? get an at home gel nail kit and start doing your own nails. Also monthly cleaning supplies seems like far too much when you also pay for housekeeping?

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u/sabdariffa Dec 22 '24

In my area I spend about $200 to $300 a week on groceries, but that’s with NO takeout at all. I get takeout maybe once a month, if that. I live in one of the highest cost of living cities in Canada.

$250-$400 a week on groceries PLUS takeout is excessive. Holy moly.