Moms' Money Saving Tips

"When you know you are going out with your girlfriends, leave your money at home. Suggest outings to the park or library, but if they insist on shopping, you won't be tempted if you don't have the cash! I've done a lot of window shopping in the past, and I usually realized that I didn't need the things I couldn't afford anyway. If you need more motivation, tally up what you spent on your last few outings and get an average. Then when you go out sans money, you can remind yourself (and your husband) of how much you saved!" --ivegot4

"Save money on electricity by turning off lights and saving up laundry for big loads instead of multiple smaller ones. If you pay for water, it will help in that department as well." --aseleener

"I called my cell phone company and asked them for a list of all of the features I was paying for. I found out I was paying for stuff I didn't even use, so we cut back our phone bill by $20 a month." --KilliansMommy

"My husband and I do our big shopping trip at the beginning of the month. We get all of the pantry staples, non-perishables, and frozen items for the month, including meats that we freeze. Then, I only go back to the grocery store maybe once a week if we need fresh produce or milk. Getting most of the grocery bill out of the way early really helps our monthly budget." --darplocho

"I am a huge rummage sale junkie. I buy most of my kids' clothes at them. I even stock up for the next season. You can find great things very cheap and some of them look brand new. Just make sure that you wash and disinfect them. You can buy toys, gear, clothes, and shoes!" --kfiedler

"Call your credit card company and ask for a lower interest rate. With my minimum payment being my second-largest monthly bill behind my mortgage, I was desperate. They lowered my rate from 17.24% to 14.24%." --aseleener

"Buying cloth diapers whenever my daughter is at home, like on weekends, or evenings after daycare has saved a bunch." --ra11en

"We survive by rarely ever eating out. We pack lunches and cook everything at home. We go out to eat once a week, as a family, to a lower priced joint like Chilis or IHOP." --rallen

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"Don't buy special baby towels, yours will work fine! I use All Free & Clear instead of Dreft." --nursegina