ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Surviving Unemployment: A guide for the stay-at-home mom.

Updated on June 6, 2013

When my children were very young (toddler and newborn) we went through a period of unemployment for 1 1/2 years. These tips are gleaned from our personal experiences during that time.

1. Make radical spending cuts. Consider the following possibilities if they apply to you:

  • Cancel cable television
  • Cancel cell phones, or cut back services.
  • Consider lowering internet speed or going to a very basic plan, if you choose to keep your internet connection.
  • Stop buying everything except absolute necessities.
  • Get creative with your gift giving. You can often come up with gifts that cost little or nothing. We gave our young children hand-me-down toys and clothing as gifts for Christmas and birthdays. We also found that hand-made crafts and food gifts such as bread or baked goods made great gifts.

2. Sell your 2nd car.

We became a one car family. This saved us money on gas, insurance and repairs. It was an adjustment, but the money savings were worth it. Plus, we had extra cash on hand from the sale of the car.

3. Forbear loans.

  • If you own your own house, contact your lending agency. We were able to put our home into forbearance. However, be aware that this can affect your credit score, and make sure you understand all the details before signing paperwork.
  • You can get forbearance on student loans as well.

4. Make every effort to save money on utilities.

Take extra care to minimize water, electric and gas use. Depending on the season, turn your thermostat up or down to save costs.

5. Make your own laundry soap & household cleaners.

This recipe became a staple during unemployment, and I continue to use it, because I save so much money. For our family of 4, I make a batch of soap that lasts 6 months and the ingredients cost close to $20.00. There are many recipes online for other household cleaners that can also help you save money.

6. Take any sort of job you can.

It all helps. Don't be too proud to do any sort of work. My husband did tutoring, census work, and yard work. All of these combined to help pay for necessary expenses such as utilities. I made a little extra money crocheting hats and selling them. Childcare, pet-sitting, house-sitting are also ideas. Take and inventory of your skills and let people in your circles know that you are willing to work.

7. Make use of local food truck, food commodities, pantries, etc. in your area.

Often there are many resources such as these available in your community. Don't be afraid to ask for help. Someday you can give back! During the time of our unemployment, our church started a non-food pantry to help our family and others in our church who were unemployed at that time. We were blessed with many essentials such toilet paper, tooth brushes, soap, and more. It was a tremendous help for our family.

8. Utilize free or low-cost medical and dental clinics.

When necessary, these clinics can be very helpful. Our children were on Medicaid, so they were covered. My husband and I purchased major medical insurance for ourselves in lieu of expensive COBRA insurance. These low cost clinics were useful for sick visits and prescribed medications that were not covered by major medical insurance. With Obamacare, things are in a flux, so there may be other options now available.

9. Let your local library provide your entertainment.

Local libraries are a wealth of helpful resources, not to mention endless hours of entertainment. In addition to books, you can rent DVDs and CDs. Most libraries offer story times and games for children of all ages. If you choose to give up your internet connection, most libraries have computers available for your use.

10. Government Assistance

If you are in the United States, you can apply for food stamps. There may be a small waiting period, but go ahead and get the paper work or fill out an online application the best you can so you are ready to submit your information. You can usually apply for Medicaid for your children at the same time. Note: We chose to not apply for cash assistance due to work rules in our state that would have not allowed me to stay home with our very young children. Your situation may be different.


One more note....

With diligence and careful planning, it is possible to remain at home with your children during unemployment. I would be imprudent if I did not mention that during this time we were blessed with the generosity of family, church family and kind friends. It was humbling,as we saw how God can provide for us in ways we never knew before. I want to add a word of encouragement to seek God's help in prayer and watch what He will do!

What about you? Have you gone through unemployment? Do have any great money-saving tips to add? Please share in the comments below.

© 2013 Karen Fritzemeier


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)