50+ Money Saving Tips From REAL Mums

Who doesn’t love a good money-saving, budgeting tip?

Mum’s are such a great resource for all sorts of knowledge. Want to know what a rash is? Ask a mum. Need tips on what to wear to a wedding? Ask a mum. Looking for budget tips? We asked mums!

containers in freezer

The Best Budget Tips For Mums By Mums

We reached out to our Healthy Mummy community for some incredible budget-tips! And this is what we got!

  1. Put all your $5 notes (or $1/2 coins) in a jar at the end of the day. Over a year it really adds up.
  2. I do my grocery shopping, online! When the 28 Day Weight Loss Challenge menu is released, I customise it and then start. I have the shopping list open on one tab, and the Woolies online shopping open in the next tab. I just flick between screens, ticking off items one by one.
  3. Work out what Christmas costs each year and put money away each fortnight.
  4. I meal plan for the fortnight using up first what i have in the freezer and cupboards. I always make sure there are 2 or 3 meals that i can bulk out and freeze portions or plan to use up fruit and vegetables near the end of the shopping week.50+ Money Saving Tips From Real Mums
  5. Don’t let your husband do the shopping or he will come back with everything you can’t eat and spend a fortune in the process!
  6. I set up different accounts for each bill and set aside money each fortnight to go towards them. When the bill arrives, the money is already there.
  7. Avoid anything prepackaged. It costs more and isn’t as healthy.
  8. I cut out take away coffee and we are saving over $50 a week!
  9. Buy fresh fruit a veggies that are in season. For everything else buy canned or frozen.
  10. Some weeks it’s worth putting in the effort to get groceries from a few places, eg local fruit shop, Aldi and Coles.Woolworths Sign
  11. Bulk buying fruit when hugely discounted then chop and freeze it.
  12. If I see meat that’s marked down I grab it and then search the recipes in the recipe hub for ideas.
  13. Check your pantry, fridge & freezer first and see what you can make or what you need to make meals. Plan your meals around what’s in the fridge/ freezer or pantry first!
  14. I buy meat in bulk and often on special then plan my meals around the meat I have. I also shop around so go to fruit and veg shop, Aldi, Coles and butchers. Different shops have better prices.
  15. Look at the catalogues to see what’s on special, buy bulk meat and buy fruit and veg from the local markets.
  16. Stock up when staples are on special and don’t be afraid to buy items that are reduced to clear.bulk buy
  17. Meal plan, but don’t set it in stone! Shop the specials & reduced meats/veggies and then tweak your meal plan to suit.
  18. Buy in bulk where possible, but be sure to double check the unit price. Some times it is cheaper to buy the small quantity over the larger.
  19. Eat before you shop, tends to stop impulse buying. 
  20. I like to sometimes duck into coles before a public holiday, or late at night before coles. You see lots of discounted items and then cook in bulk, separate into night servings, and freeze them so I’ve got ready meals prepared for the family when I get home from work.
  21. Teach your kids the value of money and to work hard for it, otherwise you’ll still be paying their bills when they are 25.A couple of young businessmen are astounded by the profits coming in.
  22. Know the best ways to store fresh food to keep it fresh for longer. Also a lot of fresh foods can be frozen (either as is or cooked), if you know you’re not going to be able to finish something before they go off then try and get them in the freezer.
  23. Shop around. Some weeks it’s cheaper to go to several stores for the lower prices rather than one big shop at the one store.
  24. Online shopping helps to avoid impulse buys.
  25. Look into joining a fruit and veg co-op, it saves so much money.
  26. I swap cuts of meat to cheaper options when needed.
  27. If you see presents on sale buy them and put them in a “present cupboard” for birthdays and friends.50+ Money Saving Tips From Real Mums
  28. Try to adjust your meals so that you are using leftover ingredients, like if a meal calls for half a capsicum, find another one to use the other half.
  29. I find I get great bargains on seasonal fruit and veg by shopping at a farmers’ market near closing time as they quite often reduce their prices. We live on soups in winter that are filled with lentils beans etc and heaps of veg. And if a favourite pantry staple ingredient is on special at the supermarket I buy 2!
  30. Have a mortgage broker review your loan. You might be able to get a better deal.
  31. Make use of deal sites for special occasions and meals out. They are also good for gifts.
  32. My tip is really, know what you have already got. When money has been really tight I have been able to get an extra week out of what I already have in the pantry. Also instead of buying pre-cut chicken, buy a whole one.
  33. I try to buy on special and customise the meal plan to suit.
  34. Try buying from fresh food markets and buy in season.
  35. Never shop without a list- write one and stick to it!
  36. I pay our bills in installments each pay day e.g 100/fortnight and this helps me a lot.
  37. Buy home brand for basics like rice or flour.50+ Money Saving Tips From Real Mums
  38. Before you buy something on impulse, go home and think about it overnight. If you still want it then go back another day.
  39. Never put non essentials on credit, EVER.
  40. I write a fortnightly meal planner on a whiteboard in the kitchen! I look in my cupboards and only buy what we need!!
  41. Cook in bulk and meal swap with a friend.
  42. Grow a veggie and herb garden. It’s so easy and saves heaps on lettuce and fresh herbs.
  43. Make sure you have the right insurances. An accident can completely ruin your financial security.
  44. Get your husband on board with the budget from the start. Make sure you both get play money.
  45. Shop around for better deals on electricity, insurances etc. You can save hundreds or even thousands.50+ Money Saving Tips From Real Mums
  46. Buy household essentials in bulk and split them with friends.
  47. Always get at least three quotes for anything. You’ll save more than you’d expect by shopping around.
  48. Buy clothes during sales. I never pay full price for kids clothes.
  49. Eat less meat. It’s good for your wallet and your health.
  50. Set saving goals and stick to them.
  51. Bring drink bottles when you go out. It saves money and is healthier than buying softdrinks or juice.

To save money and lose money and lose weight, join the 28 Day Weight Loss Challenge

Winter Challenge


1.Rae Willingham

Rae-Willingham 2016 WL mum of the year winner

Mum of three children young children, Rae, has overcome negative self belief in the face of  some very big obstacles. After losing 25kgs* and maintaining her goal weight with The Healthy Mummy 28 Day Weight Loss challenges she says:

“I am no longer the girl who suffered debilitating anxiety and regular panic attacks. The one full of excuses not to go out and enjoy life. I am now this amazing butterfly who loves her life and lives it with no worries (well far fewer, I am still a woman after all!)”.

2. Jo Hart

Jo-Hart-50-kgs 2016 WL mum of the year winner

Jo Hart not only rocks her new bikini, she has lost 38kg* with The Healthy Mummy 28 Day Weight Loss Challenges.

She says:  “I am proud of the change I have made for not only me but for my family too”.

3. Renee Harrison

renee-loses-41kg-2016 WL mum of the year winne

Mum Renee, from Central Queensland, has overcome depression and anxiety stemming from an abusive relationship and transformed her body losing 41kgs* (from 115kgs to 74kgs) with The Healthy Mummy Smoothies, free snack recipes and portion controlled high protein meals.

She says: “previously I lived day by day, but now I embrace life as it were my last day on the earth!”.

4. Elle Temple

Elle Temple

Smashing her weight loss goal of 25kgs* (from 83.6kg to 58.6kg) with The Healthy Mummy 28 day weight loss program, Elle now focuses on toning up.  Elle says:

“today I am thankful that I am no longer afraid of having photos taken of me. I love that I have photos to look back on and am proud of how far I have come. From being ‘obese’ and having no energy to tackle my day, to being a healthy weight and being able to spring around with my crazy toddler”.

Join the 28 Day Weight Loss Challenge here.



Be part of our friendly and supportive community


Daily Healthy Recipe Newsletter

Delicious recipe ideas plus fitness tips and support, delivered to your inbox.