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How To Get Debt Free As A Stay At Home Mom!

You’ve read the tales of huge amounts of debt being wiped out. Everyone loves these stories. A family toils works and sacrifices until finally… they can tell the whole world they are debt-free! Our story is a little different, and I want to share with you today, how to get debt-free as a stay-at-home mom. But in an ah-ha moment sorta-way, so pay attention ?.

red piggy bank how to get debt free as a stay at home mom

People Pay Off Debt For All Sorts of Reasons

Ruth Soukup’s popular blog, Living Well Spending Less, was birthed out of a desire to pay off debt after getting fed up with her own overspending!

People work multiple jobs to save for a house. They live humbly, scale back, buckle down, and dig in, to accomplish financial freedom!

Starting Out in Debt

My husband and I entered our marriage in debt. Most couples do, right? We each had a car payment. Bought a house that was more than we needed. We started our life together without a budget, without a goal, and without a clue!

Less than a year into our marriage, my mother died. With her painful death, brought our first chance to change our spending habits. We used my (very) modest inheritance to pay off a small car loan and purchase a few things for the house. It should have been easy at this point to tackle the rest of our debt and snowball to freedom in a short time. But no…

Within a couple years we were back to one reasonable car loan, a larger-than-we-should-have car loan, house payment, and had now added credit card debt to boot.

It was then that I got pregnant with our oldest child.

My husband had also gone back to school. He was working about 32 hours a week, and I the same. To say we did not have enough money, for pretty much anything, would be an understatement.

Is it Possible to be a Stay at Home Mom With Debt?

We knew I would have to continue working at least until he was done with school and making enough money to compensate both our incomes.

So as my pregnancy progressed I began looking at childcare options for our baby. I would go visit daycares. In-home daycare. Big fancy-pants daycare. Daycare with cameras and online monitoring. Daycare with sweet grandma’s taking care of babies.

It didn’t matter what the daycare was like, each and every single time I walked out after a visit and got in my car, I felt sick. Physical ill. Going to throw up, sick!

I would cry every day on the way to work, grieving what was to come.

My whole heart, mind, body, and soul wanted to be a stay at home mom, with this baby. I came home sobbing uncontrollably one day. I told my husband that I didn’t know how we would do it, but I knew that if I didn’t stay at home to care for my baby, I would end up an empty shell of a person, who was miserable every. single. day.

Being a Stay at Home Mom

Being a stay at home mom was at the very core of who I was.

The loving and supportive guy that he is, my husband said, “OK!” Whatever we needed to do, we would figure it out. With that, as though someone had taken a thousand pound gorilla off my back, I felt relief! What we ate, what we drove, what we wore, where we lived… none of it mattered! I would be home with my baby.

Here we land at our second chance at being debt free. When I quit my job, I pulled out ALL my retirement. Yes, yes, I know, stupid – stupid -stupid. Pulling from retirement is rarely a good idea.

We DID take a giant hit in penalties and I surely could have a nice little nest egg from that by now. At the time, however, we were financially ignorant and it seemed like the only way.

We used the money to pay off all remaining debt. My husband was still going to school, still working just 32 hours a week, and we had NOTHING. No decent clothes, no new shoes, no hobbies, and a car that my husband had to climb in and out of the passenger door to get in.

No Money and Back in Debt.

Two years later… yup, you guessed it. Back in debt!

My husband felt changes were coming to his career and wanting yet another chance to live debt free, we sold our home. By this time we had our second child. So the four of us moved into a tiny two bedroom apartment. We used all the profit of the sale of our home to pay off our debt.

This time, it only took TWO MONTHS to rack up credit card debt… again. You’ve got to be kidding me, right?! Our thought process was, “we don’t have a big house payment and hubby got a promotion, so now we can have the things we want, right?”

Someone Help Us

Turmoil at work led my husband to resign.

Within a year of selling our house, we had baby #3 on the way, debt and no source of income.

My husband was able to find work, and get us into a humble home. We loved each other and our children brought abundant amounts of joy. Outside of those two things, tension and anxiety were everywhere.

My husband was not operating in his full potential at work. He had knowledge and skills that were not being used to benefit us.

It’s About to Get Real

One day, I made an actual list of all the things we wanted to believe God for; in our family, in hubby’s career, and for the legacy we wanted to create. I sent my husband’s resume out all across the country, along with a cover letter stating exactly what we were expecting. Never in a million years would I have guessed that we’d end up in Kansas City, MO.

We moved out there, taking all of our debt with us. We were unable to sell the house, so we rented it out (proving to be a blessing later on.)

Once there, hubby flourished at work, we planted ourselves in a church, made friends and dug in as though we’d be there forever. We did not, however, tackle our debt problem right away.

One night about a year and a half later, hubby and I were chatting when I said, “are we ever going to get serious about this debt thing?” We loved the stories of people living debt free. We knew we should be far better stewards of our money. And we used a budget.

Our hearts, however… had not been in the right place. The problem was the thought process that, working hard and being good people entitled us to stuff.

People and Entitlement

There’s the word. The one word that, in my opinion, is the root of why so many people struggle with debt, entitlement.

I was done. Finished. Over it.

Hubby agreed. It was at this moment that we decide it would not be another windfall that got us out of debt, it would be us that got us out of debt.

How To Get Debt Free as a Stay at Home Mom

We made a plan!

He prepared the way.

All the while, God had been working on our behalf. He prepared the way.

We had made friends with some fantastic people who had an encouraging debt story of their own. This was something we’d never had before. Supporters. These people understood why we didn’t have money for things. We were not uncomfortable to say no to things. They cheered us on. We only had to move 568 miles away to find them.

My husband worked his 8-5, Monday-Friday; came home, slept for a couple hours, then worked 16-20 hours on Friday and Saturday night, came home Sunday morning, slept until Monday morning and did it all over again. Week after week.

$20,000 in 14 months.

We paid off roughly 20,000 worth of debt in about 14 months.

The most precious thing we experienced through this time was seeing God work in such tangible ways. Favor was around every corner.

We paid the last $20 dollars toward our debt, by taking our kids to the bank, paying in person and then celebrating in the parking lot. We jumped, we danced, we shouted!

My husband’s former workplace was now asking him to come back. (Remember the previously mentioned resignation?) A great healing took place and a professional relationship was born that has blessed us ever since. We moved back to our humble Tennessee home, that now felt like a castle. Our hearts were now in a position of gratitude. We remained steadfast.

So how is it that we have stayed out of debt all these years, since?


When things come and go easy, like paying off debt quickly, say with a windfall, it’s just as easy to slip right back into it. However, when you sweat and toil and work your tail off for something, you hold on to it.

We had to move far away from everything we knew in order to grow enough to accomplish something so great. Strangers who turned into dear friends inspired us and we learned that things worth doing, don’t come easy nor fast.

You, However, Can Get Debt-Free Faster.

The most valuable resource to help you get started right away, right where you are is Dave Ramsey’s Total Money Makeover. His program is known in households throughout the world because it works. That simple.

Note: This site may earn from qualifying purchases through affiliate links at no extra cost to you.

Dave knows his stuff. It’s not rocket science. The only thing you really need to accomplish financial peace is the determination to do it. It will not be the easiest thing you have done, but it will be one of the best. Do yourself a favor and start your journey today by getting his book.

I want to leave you with this. Knowing how to get debt free as a stay at home mom means sacrificing a lot! Until you’re on the other side, then you realize the sacrifices you made were never really that important!

However, it does take a significant change in mindset! Nothing is more motivating to get your financial act together than that perfect baby. You want to be the one holding her all day. You want to fill your day with her snuggles. Use that motivation to do whatever you need to do to get serious.

If you want to be a stay at home mom but think you can’t afford it… think again!

Don’t feel sad or discouraged because it doesn’t come easy. Having to work your rear end off at something is the only way you can truly appreciate it! You will be blessed and grateful for the hard work later.



  • Sunny says:

    For the last 14 years my husband and I have paid off debt twice and just like a fad diet gained it right back, we have made a lot of the same mistakes you mentioned, like taking money out of our retirement fund…now as I’m looking at leaving my job and staying home with my kids, we finally decided we have to get serious at tackling this problem…your article has really inspired me…thank you!

    • Shelley says:

      Hey Sunny!

      Thank you for sharing!

      I completely understand. It can be difficult but once you get to “that” point… something changes and it finally sticks. I am 100% cheering you on. You can do this!


  • Kellee says:

    I wish it were that easy for us… we have $150K in debt, both drive really inexpensive cars (less than $5k each), and have pretty much nothing to sell. Hubs has been working a second job for years. It feels like we will never be free.

    • Shelley says:

      Hi Kellee!

      Nope, no one ever said it was easy! Simple, YES! But not easy. It’s like losing weight. In theory, as long as you put out more calories than you put in, your body has no choice but to burn fat and weight is lost. Since I am not a personal finance expert, I can’t speak directly on this. But, the following people can. I’d recommend you look here, here, here, and here for help. What I can say is that the amount of things we went without while we paid off debt is too numerous to list. The blog post above is an abbreviated and mild version of what it was actually like. You can do it if you choose to do it. I believe in you and your family!!!!

  • […] got debt-free. (that was a humbling process, read how WE got debt free here) click here for how-to-get debt […]

Hi there! I'm Mama Duck,

I'm a stay-at-home/work-at-home, homeschooling Mama of 4 beautiful kiddos, wife to my loving husband, Parenting Coach, Speaker, and Writer. I adore the sound of my children's giggles, that first sip of hot coffee, and a snuggly blanket fresh out of the dryer. Here on Faithful Parenting, my heart is to equip mamas with the skills, knowledge, and biblical wisdom to raise fantastic kids and build a tethered family!