Money Matters

10 Tips for Mums on a Budget

10 Tips for Mums on a Budget
This is a guest post from

There are times when no matter how much we work and no matter how much we save, we just can’t seem to have enough money. Our family’s expenses just keep growing. What’s a mum to do?

During these tough times, mums like us need to think creatively to stay within our budget. We can save a lot of money just by thinking out of the box and doing things differently.

Here are some tips that may help you out.

10. Borrow Instead of Buy

Whenever someone in our family needs something, our first instinct may be to buy it. But before you do, think hard if you really need to buy it or not. If the item is something that you need for the long term, it might make more sense to buy it. However, if it’s something that will only be used for a while, such as books for example, just borrow it from someone else and return it after you’re done using it.

9. Go for Value

If you really have to buy, make sure that it’s a wise purchase. Cheap is not always the best option because some lower cost goods also have lesser quality. Sometimes, choosing products that cost more yet made of high-quality materials are the better options because they last longer. Certain high value purchases, such as jewellery and designer bags and shoes, can even help you in case you find yourself in need of money in the future because you can sell them or bring them to a pawn shop.

8. Repurpose or Repair

Usually, we have something broken lying around the house. Unless it’s completely irreparable, don’t waste it by just letting it lie there unused. Repair it and use it again. If you find that only some parts are reusable, repurpose it and use it for something else.

7. DIY It

Store bought things are more expensive than those that you create on your own. Creating your own stuff allows you to control the quantity and cost of the materials you use. Plus, there’s no need to pay for labour and other expenses. Need to – some chairs or make some new bookshelves but don’t know how? Check Pinterest or YouTube for tutorials that will teach you how to do it.

6. Shop during Sale Season

Things are also more expensive when you buy them in season. While it may not make sense to buy bathing suits during the rainy season, for instance, you will find that they are actually cheaper then. Take this opportunity to buy it now so that you won’t need to come summer time when they will no doubt already cost more.

5. Shop Online

Some are hesitant to shop online for fear of security issues or because they prefer to see or touch the products first before buying them. However, shopping online helps you save not only on transportation and parking costs but also on time and effort.

4. Go Generic

Branded items are not always better. There are many generic goods, such as medicines or grocery items, that are made of the same ingredients and work the same way but costs significantly less than the branded ones.

3. Eat at Home

Eating out can cost you a lot especially if you frequent expensive restaurants. You don’t need to completely give them up though. Just make it a treat for special occasions instead. Cooking your own meals at home doesn’t only cost less because you have complete control over what you cook but it can also be healthier for you and your family.

2. Grow Your Food

Kick it up a notch by growing some of your own food. If you have the space for it, growing a small vegetable garden will already save you a lot of money. Plus, you can be sure that your food doesn’t have any dangerous chemicals in it.

1. Walk Instead of Drive

Driving may get you places faster but if you think about it, you don’t really need to drive everywhere. If you’re only going a few blocks away, try walking instead. Walking helps you save on gas expenses but is also healthier for you and the environment too.

Trying out these cost-saving tips will help us mums save a lot of money and manage our tight budget better. We need only to look closely at how our family does things and for sure, we’ll find more ways to save.

About the Author

“Carol Soriano is a consultant for, the very first online pawnshop in the Philippines. A writer at heart and a social media enthusiast, she finds personal finance, investment and money matters interesting topics.”

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  • Reply Michelle Martinez邱碧玉 (@xoxoMrsMartinez) August 27, 2015 at 5:58 pm

    I always wait for sale before I shop. Nice tips!


  • Reply EINz August 28, 2015 at 6:52 am

    Thanks for sharing these tips! I am struggling with repurposing, as what quickly comes in mind was to buy a new one.

    For now, I am refraining from buying on impulse, instead ask myself if we really need it and wait for days before splurging, especially on big purchases.

    I hate it when shopping gives me adrenaline rush that feels good only for a moment.

  • Reply tina madrazo August 28, 2015 at 8:16 am

    bookmarked!!!! so many useful tips!!! i want to grow my own garden. huhuhu! anyone knows a workshop on this? 🙂

  • Reply sarah tirona August 28, 2015 at 12:01 pm

    i can relate and these are really great and easy to follow tips! very practical, ty!

  • Reply Nilyn Matugas August 29, 2015 at 12:34 am

    We just moved here in Rizal and we are planning to start planting vegetables para may madukot sa likod. 😀 These are really great tips, most of them I already know but sadly, I don’t practice. huhu. I should start now. Btw, there’s an online pawnshop already? I wonder how it works.

  • Reply Lorly August 29, 2015 at 7:37 am

    borrow instead of buy works for me, too, from kids’ costumes, to wedding entourage gowns, to camping gears!

  • Reply Gracie | August 29, 2015 at 11:52 pm

    Great tips momma!
    I agree, I also wait for sale before we shop, especially in SM (additional 10% off for early birds first 2 hours) ☺ We are still practicing the “No eating out” ☺

  • Reply Lique Dimayuga August 31, 2015 at 10:11 am

    These are great tips! thanks for sharing.. definitely agree on the DIY and eating at home hehe

  • Reply kareen liez August 31, 2015 at 3:14 pm

    I agree with all these tips! Moms would really do everything in order to save.

  • Reply Mommy Anna September 1, 2015 at 11:25 am

    Nice tips 🙂 I usually looking forward for sale 10 percent is 10 percent:-) I also make it sure that I have loyalty cards sayang ang points.

  • Reply Joy September 1, 2015 at 11:26 am

    I love #9! Regardless of how much expensive, we have to look in more sa value of the product before buying! Thanks for the tip! 🙂

  • Reply Jane Allen June 11, 2016 at 9:59 pm

    Eat at home. That saves a lot of money. Believe me when I say this. And, then walking. I have found this helps me clear my head and I’m able to save money and also exercise at the same time. It’s really something I now look forward to. My legs feel better after walking. And, it all started from my desire to save money.

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