5 Money-Saving Hacks for Working Moms

Nowadays, moms are no longer limited to staying at home, taking care of it, and the people who live in it. A lot of them choose to help in supporting the family financially. You’ll see many working moms take a 9-to-6 job, accept freelance work, or maintain a business on the side to address the family’s financial needs.

On top of these things, moms also have to manage the household budget to make sure that bills are paid and that the daily needs of the family are well provided for. To help you and other working moms out there, we recommend these money-saving hacks so budgeting will not have to take a toll on you.


  1. Cook Baon for you and your kids

Although it’s hard to juggle tasks as a working mom, you need to find time to cook your kids’ meals or snacks for school, as well as your baon for the office. This is a more economical way of keeping them well-fed instead of giving them money to buy food in the canteen, not to mention that home-cooked meals are fresher and more nutritious.

Schedule a day within the week and use it to prepare your family’s favorite dishes beforehand. In fact, you can also recycle leftover food from the previous day and make a new dish out of it, like making an omelet from the corned beef you had for dinner. You just need to be extra creative and resourceful in this department.


  1. Use public transportation, but leave home early.

It’s normal to want to travel conveniently when going to work or getting your kids to school, but as much as possible, you should avoid calling for a taxi and ride-hailing services. These things can deplete anyone’s budget, especially when you get caught in traffic, which happens pretty often these days.

Public transportation may be less convenient, but not if you avoid using it during the rush hours. Plus, you’ll be surprised how much money you can save at the end of the month if you were to take a jeepney, bus, or MRT ride with your kids every day.

If you can’t afford to leave early and you know you’ll be affected by the daily rush, try making arrangements with your office if you could do flexible hours at work.


  1. Use reward apps and discount websites.

 A huge chunk of household’s expenses come from food and other day-to-day necessities. If you’re not careful with your household spending, you’ll find it hard to make both ends meet.

Fortunately, there are ways you can offset your expenses by receiving reward points when you shop. You can then redeem those points the next time you buy their products or services. Some companies also allow you to use the points you’ve earned toward other purchases.

So be sure to keep an eye out for money-saving apps or websites to get discounted prices and set aside some money to build up your family savings.


  1. Bring your own bag when grocery shopping.

 If you haven’t been doing your grocery shopping with an eco bag in tow, you may be missing out on some huge benefits here. Eco bags aren’t just environment-friendly, but they’re also cost savers. Sure, plastic bags are sold for only a few pesos per piece, but wouldn’t you rather keep that money along with your loose change at home and exchange them at the bank later on?

By bringing your own bag, you also avoid the inconvenience of carrying your groceries in a box or a paper bag until you decide that you should just get a taxi ride going home, but not without bidding your money goodbye.


  1. Adopt electricity-saving practices as much as possible.

It’s impossible not to incur expenses for electricity consumption around the house, but you can at least be mindful of how to use your appliances properly so you can control how much power they generate.

Make it a habit to unplug appliances not only at night, but whenever you’re not using them; unplugged appliances continue to run with power in the background and consume electricity. The same goes for the lights around the house—make sure they’re turned off when there’s no one in the room.

There are many other ways to save on electricity: opening the windows to let the air in instead of using your electric fans; taking out frozen food from the refrigerator before cooking instead of defrosting it in the microwave; ironing clothes in one go instead of by batches; and so on. You only need to remind your family that these sacrifices can go a long way in terms of cost savings.


  1. Buy food from the local market.

No shade for supermarkets or grocery stores, but the food items they’re selling don’t come cheap. Sometimes, you’ll be forced to buy more than what you need because the goods are already pre-packed. By contrast, your local market will sell you the exact amount of meat, vegetables, fruits, and other ingredients that you came for.

If you’ve been buying from certain stalls regularly, the owners may even be willing to add a few pieces of their produce to your shopping bag without asking you to pay extra. You can even haggle with your local market sellers if you think they’re charging you more than the standard price, and then use the savings you got to buy either fruit, native delicacy, or other filling snacks for your household.


  1. Say “Yes” less often and “No” more frequently.

Though it breaks your heart not to be able to give in to the special requests of your kids or your spouse, you need to keep in mind that saying “Yes” when you should be saying “No” means taking a cut on your family budget.

So instead of buying them the more popular brands of clothing, gadgets, and other personal stuff, remind them that they will have to settle for something less expensive but equally useful.

You can also apply the same Yes/No rule to yourself. If you tend to make small purchases at your favorite retail or thrift store, you might need to unlearn that habit. You’ll be surprised that those few hundreds you could have spent for what you think are “little things” can extend your budget to a few days more.


When Money-Saving Hacks Aren’t Enough

So, you’ve done every possible way trying to reduce your expenses and grow your savings. Every now and then, though, there will be times where you can’t hack everything, and you still fall short on budget.

But all hope is not lost. You can use a loan app, such as the one offered by Cashalo. The Cashalo app is especially helpful if you’re having those moments when your hacks aren’t exactly working, and you need to get money quickly to augment your budget.



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About Cashalo

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