Family Finance

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Raising kids is expensive. From Day One, you have to feed them, clothe them, educate them, and provide them shelter. If you’re lucky, you also feel obligated to provide them with entertainment.

Fortunately, there are ways to do all of these things without eating cat food in your retirement.

Family Finance as You Get Ready for Baby

Surprisingly enough, you don’t need everything that’s marketed to you as a new parent. Your child will need something to eat, somewhere to sleep, and something to keep them warm. Aside from love, they’ll need surprisingly little else.

Of course, if you do want to provide things like toys, we’ve got you covered with ways to save on those, too.

Family Finances with Young Children

When babies turn into kids, you have a whole other set of challenges. Not only do you have to provide for them, but you also have to educate them. That includes making sure they grow up to be good people, taking the time away from work to sit down and help with homework, and making sure they grasp the basics of financial literacy from the youngest of ages.

You may also want to ensure you have a plan together for their future. While you should definitely save for your own retirement first, you should also start planning college savings if possible. If you can’t adequately save for your own retirement and their education, you’ll want to do what you can to make sure they’re aware of scholarships–and what they’ll need to do to qualify for them.

Family Finances with Older Children

We’re going to be straight with you here: we don’t have teens yet. We’d love to hear from you about your frugal tips for raising teens.

In the meantime, we do have a lot of tips as you get ready to send your child off to school.

Family Finance with Special Needs Children

Femme Frugality also provides coverage on the unique needs of families with special needs children–especially those with autism.


Whatever stage your family is in, be sure to check out our Family Finance archives.

Frugal tools to teach your kids literacy

Frugal Ways to Teach Your Children Literacy

Literacy–and education in general–is very important in our house. We’ve been reading books to our kids since before they could sit up. We’ve been encouraging them to practice writing their letters since before preschool. And it’s paid off. My kids can now either read or sound out words, depending on the child and their age. Continue Reading »

Here's how to invest in ABLE accounts.

How to Invest in ABLE Accounts

Tara Falcone, CFP® lets you in on the secrets of choosing how to invest in your ABLE account. These accounts are a new vehicle for those with disabilities.

Here's how to get a free breast pump through your health insurance.

Getting the Most Out of Pregnancy Health Insurance

If you're going through a pregnancy, health insurance probably doesn't seem like your best friend. Check out these silver lining coverages.

Invest in an ABLE account for your child's autism expenses and watch your savings grow tax-free.

ABLE Accounts for People with Autism

Dealing with the costs of autism can be overwhelming. Find some relief with ABLE accounts, which offer tax-free growth and exemption from asset tests.

Apply for financial aid with Citizen's FAFSA application.

20 Ways to Save On Your Kids’ College Education

College is the most expensive line item you will ever pay for in the name of parenthood. Check out these 20 ways to save on your kids' college education.

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