Many families begin their frugal journey because one partner wants to remain at home with the kids.

You are going from a household with two incomes to one income; you might have a fear of what all has to be done to live frugally. Below are five steps you can take to make the transition easier. 

1. The beginning of your journal should start with getting rid of the temptation of using the convenience of a credit card. This first step will significantly reduce your spending habits.   Finding extra money in your budget to pay down debt is a challenge but is worth it in the end.

2. Look at what is necessary. For example, do you undoubtedly need to pay a lawn service? You mow your lawn or shovel the snow. Do you need that expensive phone or will a lower grade model and plan do the something for less? 

3. Committing to a frugal lifestyle is a brave decision. When you prioritize from going from a two-income household to one; you might have a fear  Below are five ideas you can take to make the change less difficult. 

• Start by paying down debt. It may be difficult to find extra money in your budget. It will take a while, but is worth it. 

• Look at what is necessary. For example, do you undoubtedly need to pay a lawn service? You mow your lawn or shovel the snow. Do you need that expensive phone or will a lower grade model and plan do the something for less? 
  

•  Committing to a frugal lifestyle is a brave decision. You commit because you are looking to keep your household running smoothly without having to go to work. Work with your partner to make a list of financial priorities. Make plans for the future. 

• Take on extra work. If you are markedly skilled, you will probably be able to find some way to add to the family income while staying at home. Whether it is crafts that you sell locally, babysitting or catering, you can do things that you enjoy and make a little extra money for the budget. 
  

• Have an emergency fund in place. When only one person works, there is still a possibility of the working parent having an accident or getting hurt. Chances are nothing will be coming in financially. If you are a stay home mom and become ill or hurt, you will need to have someone to watch your children. An emergency fund helps cushion your budget from a crisis. You should have at least three months worth of fees in a crisis fund. That way, when things go wrong, your budget doesn’t suffer. 
  

 Work with your partner to make a list of financial priorities. Make plans for the future. 

4. Take on extra work. If you are markedly skilled, you will probably be able to find some way to add to the family income while staying at home. Whether it is crafts that you sell locally, babysitting or catering, you can do things that you enjoy and make a little extra money for the budget. 

5. Have an emergency fund in place. When only one person works, there is still a possibility of the working parent having an accident or getting hurt. Chances are nothing will be coming in financially. If you are a stay home mom and become ill or hurt, you will need to have someone to watch your children. An emergency fund helps cushion your budget from a crisis. You should have at least three months worth of fees in a crisis fund. That way, when things go wrong, your budget doesn’t suffer.