Budgeting Tips & Tricks

Keeping the Cash in Your Pocket (While Managing a Big Family!)

Let’s be honest — managing a household with five kids is enough to make anyone hold on tight to their purse. Between school supplies, breakfast and after-school clubs, snacks, and the occasional “I need new shoes,” money vanishes faster than you can say “can I have some money?” But don’t worry! Over the years, I’ve picked up some shrewd budgeting tips that help me make every penny count and keep my family fed, happy, and (mostly) stress-free.

So, whether you’re new to budgeting or a seasoned pro, here are my top tips for keeping your finances afloat — with a sprinkle of humour, of course.

1. Create a Realistic Budget — And Stick To It (or at least, try!)

First things first: get your income, expenses, and spending on paper. List your fixed costs (like mortgage, utilities, and council tax) and your variable costs (food, clothes, treats). Then set a sensible limit for each category. The key is flexibility — life with kids is unpredictable, so allow a little wiggle room. I also keep a small “emergency fund” — honestly, it’s mostly for when I splash out on that new pair of trainers or order a takeaway on Friday night.

2. Plan Your Meals (And Stick to the Plan)

Meal planning is a lifesaver. I sit down once a week, see what’s in the fridge and cupboard, and plan simple, budget-friendly dinners. When I don’t plan ahead, the fridge turns into a black hole of wasted food and extra shopping trips. Plus, knowing what’s for tea reduces those “what do you want for dinner?” meltdowns — both from me and the kids!

3. Shop Smart: Use Deals, discounts, and Cashback Offers

Never underestimate the power of a good deal. I chase discounts, use cashback offers, and keep an eye out for weekly supermarket specials. My favourite trick? Buying in bulk from Costco or Makro, and taking advantage of discount days like Wednesdays where household essentials are half price via the Just Eat app. I often stockpile loo rolls for £1.03, washing-up liquid for 35p, bread for just 58p, and six eggs for 74p. I plan ahead and buy for the month, because saving money is all about playing the long game.

4. Review Your Spending Regularly

Set aside a little time each month to go through your outgoings. Did you overspend on something unnecessary? Could you cut back some non-essential spending? Understanding exactly where your money’s going can help you spot areas for savings — and keep you focussed on your financial goals.

5. Make Use of Rewards and Cashback Apps

There are loads of cashback and reward schemes available now — from supermarket apps to credit card rewards. I always check if I can get cashback when I’m shopping online or using cashback cards. Small savings like these add up over time and make that family budget stretch further.