You always dreamed of being a stay at home mom…

But nothing could have prepared you for what a financial sacrifice it would be.

We’re living in a two-income world.

And it’s harder than ever to make ends meet on one income.

Sure you want to be the one who’s there for your kids every day, but you want more than that.

The months and years zoom past, and you wonder if you’ll ever get to experience the life you dreamed of for them, from the organic milk to taking them to the ocean for the first time — at least without selling a kidney.

Kids are expensive.

And you wish you could spend more time enjoying them, instead of worrying about how to pay the bills.

Your family makes enough money, yet on the 30th of the month you check your account only to find yourself in the same place as last time: stuck in debt, with little savings, and an ever ballooning budget.

Here’s the good news.

You can thrive financially — even as a stay at home mom.

You CAN…

Watch the sun shining on your baby’s cheeks as she toddles down the beach for the first time. And listen as she learns to play C-major when she begins piano lessons.

You CAN…

Pile your kids’ plates with healthy foods every night without breaking the bank or driving to three different stores to find deals. (Though I can’t guarantee they’ll eat their veggies.)

You CAN…

Confidently steward your resources as you pay off debt, save for the future, and yes, even feel your heart swell as you pass the blessing on through generous giving.

“Yes, yes, yes! I love that you have lived this, so you “get” what the struggle feels like and how it affects literally everything. I also love that your heart is for being able to stay home with your kids. Thank you for your website!”


Stay at Home Mom, Affording Motherhood Reader

Shannon Clark

Shannon Clark

Affording Motherhood Founder

When my first baby was born, I was desperate to stay home with him.

And our finances hit rock bottom as a result. I did my best to budget and live frugally, but we stayed deep in debt and even ended up losing our home.

Over time, I learned the right way to budget, save money, and work from home. We paid off over $22,000 in debt in 9 months and built our emergency fund. I also grew my home-based business and now earn a full-time income while I enjoy this precious time at home with my kids.

After years of struggle, it ended up being the small changes to the way we manage our money that led to big results. The truth is, you can be super frugal and never make progress in your finances. You don’t need to be more disciplined or spend your life clipping coupons. 

I established Affording Motherhood in 2011 to help other moms afford to stay at home without all the guilt, stress, and overwhelm. Since then, I’ve had the joy of helping over 8 million readers and clients achieve their dreams for their families.  

Here at Affording Motherhood, you’ll find the info and inspiration you need to help you budget successfully and work from home – so you can enjoy your time with your kids.

What Affording Motherhood Moms Are Saying…

After a few months of saving up, using many tips I got from your blog, we have finally reached the “1-month ahead” point! It is so nice to have concrete numbers to budget.


Affording Motherhood Reader

“I just wanted to say thank you for the great information on your site. I’ve made it through half a dozen articles so far and I have a feeling I’ll keep going. I’m getting lots and lots of ideas on things to do to help me pay off my six figure (eep!) student loans and to become debt free. And reading things like your blog makes me feel that it is completely doable, not just a lofty dream!”


Affording Motherhood Reader

“Thanks so much for the inspiring post. I’ve been working since the birth of my first child 4 years ago and then again when my second came along 2 years ago. During this whole time, I’ve longed to stay home with them and now with my 3rd child due in September. I think I will finally make it happen.”


Affording Motherhood Reader

Here’s the plan.

I’ll give you the tools you need to master your finances with strategies that are realistic for busy moms. I want you to succeed in creating the life you dream of for your family.

That’s why the email subscription, in-depth blog articles, and videos you find on Affording Motherhood are completely FREE. If you follow these valuable resources alone, you’ll go far. I’ll never share your email or spam you, and you are free to unsubscribe any time.

You can also connect with me for step-by-step products, programs, and coaching to take you further even faster.

Together, we’ll move you down a road map to help you thrive financially as a stay at home mom. 


Click one of the categories to explore some of the free articles. Or click the red button below to subscribe.

Here you’ll find topics including how to:


Join 13,865+ Moms!

When you become a member of the Affording Motherhood community, you’ll get the info and inspiration you need to budget successfully – so you can spend more time with your family. 

Plus you’ll get my free mini-course, “6 Budget Myths that Keep You Stuck (and what to do instead).”

More from Affording Motherhood Moms

“After 2 years of marriage we FINALLY sat down and listed our fixed expenses, then with the help of your budget worksheet, created a budget in Excel. We’re using Mint for our daily awareness. It’s amazing how much better I feel knowing exactly where our income needs to go, and then to be able to have some flexibility in the variable expenses. Thanks for your blog!”


Affording Motherhood Reader

“I am so grateful that I found this website! I am currently in the process of switching from a working mom to a stay at home mom. I am looking for ways to save additional money around the house and this website has really given me a jump start! Thank you Thank you Thank you!”

Affording Motherhood Reader

“Hi Shannon, thanks for reminding me and encouraging me that it can be done. :) Sometimes it gets overwhelming and I don’t know where to start. Thank you for your positive posts to keep us focused.”


Affording Motherhood Reader

“I am currently a working mom trying to figure out how to be a stay at home mom. I find all your posts very helpful and compelling. After sitting down and doing the math I keep asking myself “Why am I making myself go to a job that I do not even like any more?”, “Why am I wasting my time doing this when I could be at home making an actual contribution?” Thank you so much for putting this information out there for people like me to see it really is possible to find other means of supporting your family without giving up being with them.”


Affording Motherhood Reader

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