5 Smart Money-Saving Tips for Moms Feeling the Pinch of Inflation

As a mom, you’re likely feeling the squeeze of rising costs due to inflation sitting at a staggering 8.2%. With the cost of raising children soaring, it’s more important than ever to find creative ways to save money and stretch your household budget. Don’t worry, you’re not alone! We’ve got 5 practical tips to help you keep more cash in your wallet.

Smart Money-Saving Tips for Moms Feeling the Pinch of Inflation

Key Takeaways:

  • Start an at-home childcare business with startup assistance
  • Pursue a career in the in-demand childcare field
  • Earn rewards like gas/grocery gift cards
  • Buy household essentials in bulk to save
  • Maximize credit card cash-back rewards

5 Smart Money-Saving Tips for Moms Feeling the Pinch of Inflation

Rising inflation affects everything from groceries to utility bills. The latest data from the U.S. Department of Agriculture estimates the cost of raising a child born in 2015 to be $233,610 for a middle-income family – excluding college! With 8.2% inflation, that estimate is likely significantly higher now. But as a mom, there are certin things you can do to still save money.

Start an At-Home Childcare Business

Why not turn your nurturing mom skills into a money-making opportunity? The COAD4Kids program in New Philadelphia, Ohio offers incredible support to help you start your own at-home childcare business. As your own boss, you can set your own rates, hours, and schedule.

The best part? COAD4Kids covers a ton of your startup costs including:

  • Background checks
  • Equipment and toys
  • Childcare training and education

“Being my own boss with an at-home childcare center has been amazing. I can earn income while still being there for my own kids,” said Sarah, a mom of three who partnered with COAD4Kids.

To learn more about this flexible entrepreneurial opportunity, email contactece@coadinc.org or call (330) 364-8882.

Pursue a Career in Childcare

There is a huge demand for childcare providers, making it a smart career choice. The same COAD4Kids program can help you earn a Child Development Associate credential to qualify for jobs in this booming field.

Not only can you make money, but you’ll be pursuing a deeply rewarding career nurturing children. And with a nationally recognized CDA under your belt, you’ll have opportunities whether you stay local or move in the future.

Take the first step by emailing cda@coadinc.org or clicking here for more CDA program details.

Get a $30 Gas or Grocery Gift Card

This tip is an easy win! Simply take a self-paced online parenting class through COAD4Kids and you’ll receive a $30 gift card for gas or groceries. With inflation driving up costs, every bit of savings helps.

The online class format is super convenient – you can take it whenever works best without leaving home. Stay tuned for more details:

Contact: Name: Kaylee Hambleton Phone: (740) 856-7959 Email: khambleton@coadinc.org

Buy in Bulk for Your Family’s Needs

Buying household essentials, groceries, and personal care products in bulk sizes can lead to major savings for busy moms. I’ve experienced this firsthand by:

  • Joining Costco: Despite the $120 annual membership fee, the bulk discounts more than make up for it. According to SimpleMoneyMom.com, a family can easily save over $1,000 per year just on groceries by shopping at Costco.
  • Stocking up at the supermarket: Check your local grocery stores for bulk sizing on items you use frequently like snacks, drinks, paper products, etc. The cost per unit is almost always lower.
  • Exploring other bulk retailers: Stores like Target and Walmart commonly offer bulk options for everything from cleaning supplies to pantry staples.

Take Advantage of Credit Card Rewards

This next tip is one of my favorites – using credit card reward programs to get cash back on your everyday purchases. It’s like getting paid to buy the things you need!

The key is figuring out which credit cards offer the best rewards in different spending categories. For example:

  • Gas/Travel Credit Card: Earns 3% – 5% cash back on fuel and travel purchases
  • Grocery/Dining Credit Card: 3% – 6% cash back at supermarkets and restaurants
  • General Cash Back Card: 1.5% – 2% cash back on all other purchases

I keep a running list of which cards to use for which purchases. It’s an easy way to get a little kickback on things I’m buying anyway. Why leave that money on the table?

Pro Tip: Just be sure to pay your balance in full each month to avoid interest charges that negate your rewards.


Inflation may be high, but I hope these tips show there are still plenty of opportunities for busy moms to save money and even make some extra income. The key is finding tactics that fit your lifestyle and putting them into action.

Start by evaluating which tips make the most sense for your situation. If launching your own at-home childcare business appeals to you, definitely look into the COAD4Kids startup assistance. Or perhaps using strategic credit card rewards could be an easy win.

No matter which approaches you try, know that you’ve got this! We moms are resourceful and by working together, we can stretch our budgets further despite rising costs. Every little bit of savings helps provide for our families.

What are your go-to money-saving strategies as a mom? I’d love for you to share them in the comments!

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