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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

“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

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

“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

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

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

“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

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

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

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

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."

Originally posted on Student Loan Hero.

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We're a busy people, this family of mine. And we like it that way. But we're still always looking for simple ways to reconnect.

And most of the time, those moments happen around the dinner table.

I'm not embarrassed to admit we've become homebodies—we vastly prefer nights in watching movies and meals at home to the stress and cost of evenings out. While my husband and I still try to schedule a few legit date nights out now and then, by the end of our busy days, we like relaxing at the table as a family, then putting our daughter to bed to spend time together catching up on our shows or watching a movie. Most of our dates happen on the couch, and we're okay with that.

Dinner itself is a tradition I grew up valuing. As one of five kids, it seemed to be the only time our family was really all together, catching up on our days, making plans, or even just being physically present together. (This reminds me so much of the table we would gather around every night!)

Now that I'm my family's connector, I make sure to prioritize that time (even if most nights it's all I can do to get my wiggly toddler to sit still long enough to get a few bites of her dinner).

Whether we're relishing a home-cooked meal or simply noshing some pizza (because mama is tired, folks), nothing can replace the feeling of reconnecting—or leaving the table with satisfied bellies.

Because something strange happens when you have kids. Suddenly, time seems to enter a warp. One day (usually the days when nap time is short and the tantrums are long), time will drag on endlessly, making each minute feel like an hour until my husband gets home and can help with the kids. But most of the time, when I stop and really think about where we are in this busy season of life, I feel like time is flying by.

I look at my daughter, and I feel like someone has snuck in during the night and replaced her with this big-little girl because I swear she was just born a few months ago. I hug my son, unsure where the time has possibly gone because didn't I just take that positive pregnancy test yesterday? And I marvel at this rapidly growing family my husband and I have built because, really, wasn't he just asking me to be his girlfriend a year or two ago? (Try 10, self. That was 10 years ago.)

As fast as time races by, I don't have any answers for how to slow it down. If anything, the pendulum seems to swing quicker and quicker as our days fill with new activities. With jobs and responsibilities, with more and more activities and play dates for the kids.

But at the dinner table, I feel like time slows down enough for me to pause and look at this little family. I imagine us two, five, 10 years down the road (gathering around a table just like one of these). More little (and then not so little) faces peering at me over the table, asking for another piece of bread or more milk as my husband makes them giggle with a silly face or story.

I imagine them as teenagers, telling me about an upcoming test or asking if they can borrow the car after dinner. I even see them as adults, coming back to visit with their own kids for the occasional family dinner. (Hey, a mom can dream, right?)


No matter where life takes us—or how quickly—I'm grateful for this time and this place where we can always come back together.

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When the world heard that the Duchess of Sussex was both pregnant and embarking on a whirlwind royal tour involving 76 engagements over 16 days, many mamas around the world were simultaneously thrilled for the Duchess and thankful that they don't have to keep a schedule like hers.

The tour of Australia, New Zealand, Fiji and Tonga packs a lot of appearances into little more than two weeks, and while expecting mamas can, of course, continue to work (in most cases) during pregnancy, it did seem like the royal agenda didn't leave a ton of time for rest.

That's why we were happy to hear that, after the opening ceremony of the Invictus Games went way long (like two hours longer than expected) on Saturday night, the Duchess decided not to join Prince Harry at the games on Sunday morning.

Kensington Palace released a statement explaining the absence and acknowledging that there will be some more of them.

"After a busy programme, the duke and duchess have decided to cut back the duchess's schedule slightly for the next couple of days, ahead of the final week-and-a-half of the tour," a royal spokesperson wrote.

Good for her, we say. Because while pregnancy certainly does not mean women should be sidelined for nine months, we also have to admit that we're not superhuman. It's okay if you need a nap, mama.

Markle is reportedly not sick, just really tired, and the palace and Prince Harry are encouraging her to pace herself, and not push herself too hard. It's advice many mamas (pregnant or not) need to hear sometimes.

And so on Sunday, Prince Harry presented the medals for the Invictus Games road cycling event without his wife by his side, but she did make it to the sailing race in the afternoon, joining Prince Harry on a yacht in Sydney Harbor.

On Monday, Prince Harry will make some solo appearances on Fraser Island while Markle rests up.

Pregnancy can be physically demanding. It can be exhausting. By admitting this on the world's stage, by not forcing herself to smile and wave when she really needs to be sleeping, Markle isn't just protecting her health and her baby, she's sending a message to the world:

It's okay to admit we are human, even (and maybe especially) when we are pregnant.

It's no secret that pregnant people often face discrimination in the workplace. Some are forced out of the workforce. Others overcompensate, forcing themselves to commit to gruelling (even dangerous) schedules to prove they're still a valuable employee. Some have no choice but to show up at work and lift heavy boxes, or work overtime, or attend an after-hours meeting even when they are beyond exhausted.

The palace had the power to change Markle's schedule, and employers have the power to change the culture that makes exhausted pregnant mothers (and everyone else) feel they have no choice but to show up early and stay late.

For too many women, asking for reasonable accommodations (like not doing heavy lifting, or limiting the work week to 40 hours) means they put are out of a job at a time when financial security is so important. Lawmakers have the ability to protect pregnant women seeking reasonable accommodations, and employers have the ability to recognize that we are humans before we are workers (or, in Markle's case, royalty).

If the palace (which is not exactly known for admitting the humanity of the mothers in its ranks) can do it, so can the office.

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We're almost there—it's hard to believe but 2019 is just weeks away. And after the ball drops and the calendar flips, mamas who are due in the new year will be counting down the weeks until the can sing Happy Birthday instead of Auld Lang Syne.

If you're due in 2019, you've got plenty of celebrity company, mama.

Here are some fellow mamas-to-be expecting in 2019:

Meghan Markle and Prince Harry 

We'll start with perhaps the most talked about pregnancy in the world right now. The Duke and Duchess of Sussex are expecting a baby in the spring of 2019.

The couple embarked on a tour of Australia as the baby news broke, and while UK betters are already putting money on potential baby names, the royal couple haven't publicly discussed the baby's sex or potential name picks yet.

There is no shortage of inspiration though: Along every stop of their post-baby-announcement tour name ideas were offered.

"We've been given a long list of names from everyone," Markle said early in the tour. "We're going to sit down and have a look at them!"

Carrie Underwood and Mike Fisher 

Carrie Underwood is also due in the spring of 2019. She and husband Mike Fisher are expecting again after struggling in their journey to have a second child, and the couldn't be happier. The couple's son, 3-year-old Isaiah, is pretty pumped, too, according to his mama.

"Mike and Isaiah and I are absolutely over the moon and excited to be adding another little fish to our pond," Underwood said in a social media video announcing her pregnancy. "This has just been a dream come true," she said.

Bekah Martinez and Grayston Leonard

Bachelor alumn Bekah Martinez is due in January and absolutely thrilled about it, even if the pregnancy was originally a bit of a surprise.

The 23-year-old mama in the making told PureWow she and Leonard had been dating about three months when she found out she was expecting, and while the news may have come a little earlier than she planned, motherhood was always a long-term goal for her.

"It's the one thing that I've known with certainty for so long," she said. "I've always felt sure that I want to be a mom."

Kate Upton and Justin Verlander  

When Kate Upton announced her pregnancy via Instagram back in July, her husband, baseball player Justin Verlander, was quick to chime in with a sweet comment.

"You're going to be the most amazing Mom!! I can't wait to start this new journey with you!" he wrote. "You're the most thoughtful, loving, caring, and strong woman I've ever met! I'm so proud that our little one is going to be raised in this world by a woman like you! I love you so much."

Too sweet. 😍


Jessica Simpson and Eric Johnson 

Jessica Simpson's family is growing. She and husband Eric Johnson (along with 6-year-old Maxwell and 5-year-old Ace) are awaiting the newest member of the family due in 2019.

"This little baby girl will make us a family of five," Simpson said in her birth announcement. "We couldn't be happier to announce this precious blessing of life.

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A barking cough echoed over the baby monitor at 5:00 am. My eyes hadn't even opened and in a hoarse morning voice I asked my husband, "You heard that too, right?" Maybe it wasn't as bad as I thought. But he agreed, and I groaned, knowing what my day—already planned to the hour—would now look like.

My husband is a teacher with a hefty commute and not always a lot of flexibility, so things like sick kids, vet appointments and oil changes usually fall to me. While I'm thankful for a job that essentially allows me to work anywhere—like car dealership waiting areas, my kitchen table or even waiting in line at the grocery store (thanks, email app!)—I still flinch at any disruption from my usual schedule.

I knew the barking baby seal probably meant Croup and because my older kiddo had also been battling a nasty cough and cold, I made plans to take both kids to the doctor. Four hours of meetings scheduled? No problem. I'd make the kids appointments, change my in-person meetings to conference calls, get the kids comfortable with some PBS and pillows and get on with my day working from home.

Two doctors appointments, a breathing treatment (due to unforeseen wheezing) and a trip to the pharmacy later, the girls and I were back home. I had 10 minutes to spare before a call with my manager. Barely breaking a sweat, I thought. Oh, the smug confidence.

I texted a quick update to my mom who'd asked how the girls were. Exasperated, my 3-year-old began pacing in circles in the kitchen. She might have been sick, but somehow her energy never faltered. She gestured with frustration— her palms up and little fingers spread wide, "It's not time for texting, Mommy. It's time for lunch!"

Some people have the type of kids who get colds and melt into the couch for days. They sleep more than usual, they're quieter and they are more than happy to zone out to a movie. I do not have such children.

But she was right. I apologized and sloppily slathered some peanut butter and honey on stale bread ends. Then added bread to the running grocery list.

Five minutes to spare.

As I served up a gourmet lunch, of PB&H and a juice box, I fumbled around to find the conference code when I heard the splat of baby barf hitting the floor (it's possible there is no worse sound.)

"Mommy! Ew! She barfed!"

I made a mental note to talk to the toddler about using the word, 'barf.'

My confident attitude about taking the day head on was now in a swift downward spiral. Sure, I could still join my meeting. I could half listen on mute and soothe the coughing baby with some gentle hip bouncing. But I'd likely have to answer a question and unmute myself, no doubt as the baby started crying again or the dog barked at a UPS truck.

I could make it happen and later face my oldest asking why I'm always on the phone or always texting and never playing. Basically, I could make it work, but not work well.

So, here's what I did.

I sent one final text to my manager that said, "Thought I could make today work but can't. Two sick kids. Need to reschedule."

I then breathed a huge sigh of relief for making one decision and not trying to squeeze in 50 things. I was able to refocus my attention to the little people who actually needed me. My manager sympathetically—and genuinely—responded, "Mom job comes first."

Because let's face it—my 3-year-old doesn't care that my inbox is full and my calendar is back-to-back. All she knows is this: When I'm home she wants to play.

And just because I can work anywhere, doesn't mean I should. I have to learn to stop "making it work." Some days it just doesn't work. I need the reminder to put the phone down. Close the laptop. Focus on what's in front of me. Find a way to shut off the part of my brain that's yelling and anxious about everything I need to do.

Sometimes I need to just s l o w d o w n.

My career isn't going to come to a screeching halt because I spent a few hours or even a few days with sick kids. But I'd like to think my kids will remember the times I spent snuggling and relaxing with them when they were sick. I'd rather they hold on to those memories than ones of me texting and scheduling and over-scheduling and trying to make ALL of it work.

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Motherhood is likely to be the most demanding gig you'll ever have, which is why having the right tools for the job is essential. Of course, even first-time mamas know they'll need a place to sleep, feed and change their newborn—but, there some key ways to set up the baby's room that will make each of those activities less stressful.

Here they are:

1. Re-think lighting

Youthful Nest

An average room has a single ceiling light centered in the middle of the room. Since that isn't where you'll place a changing table to change diapers, rethink how to shed some light on this and other essential caregiver tasks.

First, install a dimmer on the main overhead lighting so you can control the brightness for stealthy middle-of-the-night responsibilities, like feedings and diaper changes. You don't want be attempting these to-dos fumbling around in the darkness nor under bright lights that completely waken you and baby to the point that makes going back to sleep impossible.

Then, add in strategic task lighting. Key spots are near the changing table and next to the glider. If possible, even near the crib. This can be done with floor or table task lamps, preferably with adjustable brightness control, battery-powered motion sensor lights or baby nightlights.

2. Make one space to do multiple tasks

Youthful Nest

Motherhood brings a whole new meaning to the term multitasking. You might be nursing, snacking and emailing all at the same time. Even if you are handling one task at a time, you'll want to have the proper workstation to do your thing.

Wherever you place your glider, be sure to have a decent surface space within arm's reach where you can access items without having to get up from that comfy spot or move baby.

Think about setting up your glider area like you might a work desk. Have baby and mom necessities just a swivel away, including your feeding supplies, books, throws, drink cups, cell phone charger set on a side table or shelf system.

This same principle goes for the changing table area. For safety reasons, you don't want to leave your baby unattended so make sure you can grab the essentials with one hand. (Especially for those moments when the other hand is covered in poo. 💩)

Ensure the changing table area can hold the essential wipes and diapers and a couple sets of clean clothing, rash cream, nasal aspirator, nail clippers, boogie wipes and any other must-have baby toiletries.

3. Create comfort + support for you, mama

Youthful Nest

You deserve to put your feet up, mama. That means you'll want to include a pouf, ottoman or other type of footrest in your nursery. Using one will allow you to elevate your feet during feedings, naps and everything in between.

Your body will go through enough physical wear and tear during pregnancy and postpartum so help your body by using a footrest to improve blood circulation in your legs. Since you'll be sitting for extended periods of time in the glider, putting your feet up will keep those unwanted varicose veins away and could even prevent blood clots.

Like a pouf, a décor pillow isn't just good to bring into the nursery because it looks super stylish. It will actually work hard to support your back during all those feedings and occasional naps you accidentally take in the glider.

Pick one you love the look of, but also be sure that it is big enough and comfortable to lean back on evenly. Longer lumbar pillows are great because they fit nicely in the glider, giving you optimal support.

I would also suggest having a second décor pillow, one that you can tuck under your arm to get the height just right especially while feeding or reading. Too often gliders' armrests are not quite at the perfect height for everyone so a smaller throw pillow can be just enough support.

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