The Choice To Stay At Home:
The Budget

I would certainly not presume to tell someone how to organize their family's finances. However, if you want to make it on a single income, let's face it: you have to economize! There are lots of ways to do this, and everyone has their own preferences. Here are a few tips.
The first and most important thing is to learn to do without. This takes practice. Keep in mind that as you, the parent, learn to do without, your child learns from you. You don't need every article of clothing in the store or every new gadget and they don't need every toy. This can be difficult if you have a weakness for certain items (like shoes...). However, if you don't learn to do without, you will not make it on a single income.
If you have to have everything, then you have to pay for everything too. Ask yourself what is more important: stuff or the well-being of your kids?
It's amazing how far the concept of doing without can go. Examine every spending decision. Do you need that new car, or can you squeeze a few more miles out of your current one? Do you need that house with that size mortgage payment, or are you managing in what you have? Do you need that big TV, or will a smaller one suffice? How was your grocery order this week? Did you buy a lot of extras that you don't need? Believe me, as someone who does it, I know this is hard. We live in a society that has come to view "moving up" into something "bigger" or "better" is the way to go. Consider that most of the world makes do with far, far less than what we have.
Minimalist living.
It's tough, but it can be done.
And all I can say is that growing up, I wore a lot of second hand clothes.
This is another reason why I am in favour of the $100 per month per child option. I can stretch a buck a whole lot farther than the government can.


Mark said...

I can stretch a buck a whole lot farther than the government can

Hear here.

Sara said...

thats why I am such a cheapskate!!!

thank you for the support...

Anonymous said...

This Liberal "National" (for which it is anything but) Child Care Plan will do NOTHING for people who happen to be shift workers. It will do NOTHING for people who would live too far away from a Gov't daycare. We would still need to get in line for a space.

Harper's proposal, while not a lot of money right now, is at least a start into building towards something in giving me and my family choice because we choose not to use a daycare centre.

Harper's proposal helps us in our choice of raising our children at home with one parent; where they are better off during their formative years. I have not yet met one person who can convince me that a daycare is better than mom or dad.

The Liberal's plan does not even come close.

jacobin said...

oooooohhh! Anonymous

could you guys stop gloryfing harper for G-d sakes, like only HE has all the answers.

the liberal plan, which is based on the quebec plan is a good plan, all it needs is a little tweeting, like allowing for famillies that have a stay at home spouse to also benefit from the plan

Anonymous said...


"Could you guys stop gloryfing harper for G-d sakes, like only HE has all the answers".
I'm not glorifying him. But for many families' needs, his proposal makes more sense.

"The liberal plan, which is based on the Quebec plan is a good plan"
Um, no. All I have to do as look at how Quebec is operating their day care programs to tell me all I need to know about how the Liberals plan would not work. The Liberals intended to model their plans on Quebec’s $7-a-day subsidized day-care program. Therefore, it’s logical to assume they would have faced the same problems as Quebec — skyrocketing costs, long waiting lists and the fact most spaces are taken up by upper- and middle-class families. And since only one-in-four families uses institutional daycare and the largest single group of child-care providers consists of stay-at-home parents, the Liberal plan would have done little or nothing for most parents.

"All it needs is a little tweeking".
More like a lot of tweeking. The Liberals signed individual deals with the provinces to transfer $5 billion from federal coffers to provincial ones over five years, which the provinces could spend as they saw fit, as long as it was related to "daycare". It had no national goals and set no national standards. I’m sorry, but the Liberal Plan was no “national” day-care program. It offered nothing in the way of choice for those that decided that the best thing for their children was to be raised at home by a parent rather than a government agency.

"Like allowing for famillies that have a stay at home spouse to also benefit from the plan".
Which is exactly what Harper's proposal will help with.

vicki said...

jacobin needs to do some research. Check out the motives and the attitudes behind the Libs plan. It is not about children. And Ken Dryden continually insults parents ...could he be trusted with planning for our children..I don't think so.Ruth..we did it for 15 years on one income..it was tough but worth it.

Joanne (True Blue) said...

Ruth, we did it your way too. No regrets. The problem that stay-at-home moms have faced over the last couple of decades is a complete lack of recognition for the value of their commitment. We are doing one of the most difficult jobs there is, and yet we are looked down upon. It would have been much easier to farm the kids out to a stranger and have them shape their personalities, but we've stuck with it. Now my kids are grown, and just like the commercial, the rewards are priceless!

Sara said...

we begged the Liberals to add other choices, the seriously laughed in our faces,,, now we will beg the Conservatives to make it all right!

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