7 Simple Swaps to Take Control of Your Family’s Monthly Budget

Being a mom means taking on many additional titles that come with the job, like "chauffeur," "chef," "cleaner," "toy picker-upper," "boo-boo kisser," and more, depending on the day. But one consistent title that we tend to share is "budget boss." You can become the total boss of your monthly budget by keeping track of family spending and making smart decisions about finances to plan for your future (and, of course, allow for some fun spending, too!).

Certain expenses are more difficult to negotiate — rent/mortgage, car payments, day care — but here are seven easy adjustments to save money on a monthly basis and still keep everyone happy.

01
Trim the cord
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Trim the cord

You might not be ready to cut the cord entirely, but it's worth calling your cable provider to see which unnecessary channels you're subscribing to. The cable companies offer many different packages at any given time; it's likely you can switch to a less expensive one without compromising the family's favorite shows. If your entertainment needs are met with a streaming service, even more savings are at hand.

02
Forego hotels
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Forego hotels

When planning your vacation, consider renting a property rather than booking a hotel. Home rental services make it easy to find what you're looking for, often for much less than you'd pay at a hotel. You'll have more room to spread out, and kitchen amenities mean you don't have to eat out for every meal.

03
Switch cell carriers
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Switch cell carriers

Consider switching your family plan to Total Wireless for the most reliable network without signing a contact. No hassles means no contracts and no exorbitant cancellation fees . . . just great service at a fraction of the cost. Get four lines on America's largest, most dependable network for only $25 per line per month with 25 GB of data to share!

04
Find different weekend activities
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Find different weekend activities

Family movies are fun, but between the tickets, popcorn, and drinks, it's a pretty penny at the theater. If your kids can wait for the release to come out digitally (probably just a couple of weeks!), opt instead to find a nearby fair, go for a family picnic, or take a family bike ride.

05
Teach energy efficiency
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Teach energy efficiency

If one of your titles is "official light turner-offer," consider implementing a "fine" (a quarter or a dime) for every infraction. Put the energy jar in the kitchen to see how much accumulates. After a few fines, your kids will learn their lesson.

06
Buy in bulk
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Buy in bulk

When you have kids, you have kids' snacks in the house. Lots of them. And while it's great to buy in bulk, apps for wholesale stores let you order bulk items without paying those annual membership fees charged by warehouses. Buy family essentials from your phone, and — voilà — they're on your doorstep in a couple of days.

07
Date-night swaps
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Date-night swaps

Date nights are essential, but those babysitting fees definitely add up. Swiftly cut babysitter costs by arranging a kid swap with another couple. They watch your kids one night; you watch their kids another. You save money on the babysitter and still get to enjoy dinner with the hubby.


By making these simple swaps, we're still getting what's best for our family, and we don't have to compromise on things that will stop us from achieving the dream of being a total boss mom.

More from Total Wireless

More from Total Wireless

With Total Wireless, you get total confidence you’re getting the best deal in wireless – and that means you get to be a Total Boss. Get nationwide coverage on America’s largest, most dependable 4G LTE network, with plans including 4 lines for $25 each and 25 GB of 4G LTE† shared* data. This Total Wireless plan is a great way to keep the phone you love and ditch the plan you don’t.

†*The 30-Day cycle for Shared Data Family Plans begins on the day the first line/device is activated. Any line(s)/device(s) activated later in the first 30-Day cycle will receive only the number of days remaining in that cycle. See Terms and Conditions of service at TotalWireless.com.