Affording to stay home. 

Recently a comment was made to my husband that really raised the hair on his hide. Someone said, “I don’t understand how you can afford the life you have with your wife not working.” To my husband it was an insult, to me I just think the person who said this truly doesn’t understand how we do it. 
There was a time in my life that a comment would have really chapped my hide. I would have felt offended. But at this point in my life I realize people really don’t get it and these comments are made out of ignorance and true genuine curiosity! So here’s a peek into how we run things on a tight budget at the HK! 

  1. We Save energy and resources where we can. We hang our clothes on the line when it’s nice instead of using the dryer. We take short showers and the little girls sometimes share a bath to reduce water use. We do not keep our house especially cool in the summer generally 80 degrees f. Same thing in the winter, the house we generally Keep about 60 degrees f. We use less gas and electricity this way. We also have invested in buying high efficiency units such as washer/dryer/furnace/ac unit. 


2.  We eat at home (usually). We do eat out as a family about once a week as a treat. But if the money is just not there in the budget at the time….then we don’t! I make a meal plan and stick to it. It’s not formal, just a quick jot on a post it to keep me on track. We are also blessed that we can raise much of our own food right here on the HK. We usually butcher one cow a year, sometimes a hog or two, usually a couple dozen chickens. So we have our meat right here in the freezer. We don’t have the extra store cost of the meat. We just pay to raise them and process the animal, which is a resource we HAVE and we USE! Also when I’m shopping I go with a set amount of money. Generally about $60/week. I buy the very basics and make what I can at home. As a stay at home parent I have the time to bake bread and actually prepare meals. I shop the sale ads and frequently at Aldis. We rarely buy pop, chips, snack cakes, ice cream etc. it’s just too expensive usually! 

3. We curb our entertainment costs. We are very heavy users of our public library and it’s resources! Our children attend many of the programs which are generally free, and of course check out loads of books and videos. 

We also spend a ton of time outside in our own backyard! We go on nature walks, have picnics, and grand adventures. It’s free since we already have it! And it makes my children entertain themselves! I see thier imaginations grow while they are pretending ! 


Along with playing outside and enjoying our own space, we spend a great amount of time enjoying our animals. We all enjoy riding horses, walking our dogs, and just helping with thier general care.​ 


We don’t buy all the new movies we want to, we don’t have internet to pay for….we don’t even have a computer…. But hey we do have satellite! 

4. Wardrobes are bought second hand, passed down, or bought on sale. There really isn’t much more to tell other than that. I also dont buy massive amounts of clothes. We all have probably two weeks worth of outfits each. Cuts down on the need for storage space as well as I have to keep up with our laundry. Plus we all really get our wear out of our clothes, nothing is left in the back of the closet forgotten because there are just too many clothes to wear. 

5. My husband works two jobs. I am very blessed that my husband is willing to work such long hours to financially provide for our family. This is a huge sacrifice on his part as he is often tired, misses out on having his own time, and being home to see all of the girls activities. I also work prn as a nurse when my husband is available to watch our girls (no daycare costs this way). 

6. If we don’t have the money to pay outright…..it usually doesn’t happen. We both drive  older vehicles that are payed for. The one vehicle we do have a loan on we made sure was the only payment we had (i.e. We have no credit card bills, no other loans other than our farm loan) committed to. Any improvements to our house or big purchases we make are planned and saved for. Period. Basically we know what our expenses will be each month and we anticipate for them. If we don’t have the money to spend then we just don’t. There have been several times I’ve wanted something new and had to just say to myself, it’s just not in the budget right now, let’s plan, save and wait. It’s very difficult at times. 

These are a few of the top ways we cut costs. It is very difficult to stick to it at times. Of course it would be easier to throw those clothes in the dryer or order a pizza because I just don’t feel like cooking….but it’s also more expensive! Of course there are times I wish I had top of the line wardrobe with tons of pretty clothes, but it just doesn’t make financial sense with our budget. Of course there are times we fail miserably! We aren’t perfect! But at the end of the day we don’t rely on anyone else to pay or even help us with our expenses, and we have earned everything we have by working hard and saving. 

3 thoughts on “Affording to stay home. 

  1. Well said Heather and whoever made that comment needs to mind his own damn business!! I’ve never seen a more beautiful family full of love and laughter. All the girls are very smart and well behaved! Material things doesn’t make a family, love does and the Staley family’s cup runneth over with it. So put a sock in it dude and take care of your own laundry! Period!

    Liked by 1 person

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