Stay at Home Moms - Money saving ideas and tips for frugal stay at home moms

 
 

  Stay at Home Moms - Money saving ideas and tips for frugal stay at home moms

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Stay at Home Moms - Money saving ideas and tips for frugal stay at home moms

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Attention, Military Moms! by Kimberly Danger

Being a military wife or mom can be stressful enough without having to worry about money, but many do. There are lots of little tricks and tips that military families can take advantage of to help stretch their hard-earned dollars. Here are a just a few.
 

Take Advantage of  Discounts


Many retail stores, restaurants, and recreation facilities offer discounts to military families. Getting your discount is as simple remembering to ask.  Some of the retailers include Foot Locker, Sears Portrait Studio, and many more.  For a partial list, visit: http://img.military.com/misc/DC/DealIndex.jsp

 

Commissaries/PX


One of the great advantages of being a military family is shopping at the PX (post exchange) and commissary (grocery store). Both of these are tax free, and are offered only to those with valid military ID.

Since the commissary is set up as a benefit to military families, not a business, they sell at cost. Instead of having the loss leaders, their price benefit is everyday low prices. The commissary will also price match, so don’t forget your sales fliers from other stores when you go. Check out their website, www.commissaries.com, for notice on when the sales are.

 

If sale items are sold out at either the commissary or PX, be sure to ask for a rain check.  Even with a rain check you're not obligated to buy, but you'll have the option of purchasing it later at the sale price.  And, if anything goes on sale at the PX within 30 days of when you buy it, you’re entitled to a price adjustment. Just be sure to save your receipts.


Don’t forget your coupons! However, if you do, many commissaries have coupons bins for their customers to peruse. And, for military families overseas, coupons may be used up to six months past their expiration date.

 

 

 

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Most commissaries have clearance racks which are worth checking out. You’ll find slightly dinged and dented cans, boxes or cereal or other items at deep discounts.  Sonya, 35, from Colorado says, "The PX sales racks are amazing.  They usually carry name brand clothes and at the end of each season mark them 75% off on top of the no tax rule this is a huge deal!"
 

Know when to shop. If you visit the commissary a day after it has been closed, you’ll almost always find meat that has been marked down for quick sale. Some moms even report finding ground beef for as little as $.70 per pound!

 

Deployment

Lighten your load by eating out if you can. Check out which restaurants in your area have “Kids Eat Free” nights. Visit the
Mommysavers Eating Out Tips page for a partial listing of restaurants.


Ship care packages together. Find other families sending packages, too, to save the cost (not to mention the time and energy) of shipping a package.

Also, reduce the auto insurance premium on a second vehicle while spouse is deployed (often called dormant coverage). Lisa, 35, from Kansas writes, “This saves hundreds of dollars a year. You keep all the same deductibles/coverage, but because there is a huge reduction in the amount the vehicle is driven (a few miles a week just to keep the battery charged), our insurance premium was significantly reduced.”

Don't be afraid to ask for help with child care.  Trade babysitting hours with other moms, or find a babysitter in your area.  Follow this link to check out the Mommysavers Babysitter Finder, plus search for qualified babysitters in your area.

 

Get together with other wives in your battalion and to trade off dinners at other families’ houses. The kids will entertain each other, giving you a much-needed break and some adult conversation.  Beth, 33, of Camp Pendleton, CA writes, “My friend and I would trade off at least once a week our last deployment. We learned a lot of new recipes that are unique to our home states - my friend learned about Skyline Chili from my hometown of Cincinnati, and I learned about "country fried steak" from Colorado.”
 

When your military spouse is overseas they may get extra pay.  Use that money to make an extra payment on your home or car loan, or pay off any outstanding debts.  Or, tuck it away in a savings or retirement account not to be touched.

 

 

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