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In many small ways, my being at home enables us to live on less (which means we have less income). Because I am at home, I have the time to keep track of our finances month-to-month and put together a detailed shopping list which helps keep our grocery bill to a minimum. Transportation expenses also often drops for stay-at-home moms. This can also decrease the premiums of auto insurance. A benefit of staying at home has the ability to save on or even eliminate the cost of child care. One of the most easily forgotten factors is taxes will decrease with the loss of that second income. After all, the decrease in taxes is not only in terms of dollars but also in the tax bracket. A stay-at-home mom eats out less often on average. Also the amount a stay-at-home mom spends on clothing generally goes down significantly. There is little need for a stay-at home mom to constantly buy new clothing. When a mother decides to stay-at-home, she can cut the hidden cost of work
