Am just a Wife, Should I Save Money?


I was preparing an article on saving money, when i remembered the battles within my mind during the first few years of my marriage. I felt so secured in my relationship that I wondered if there was any need for me to save money.

And quite frankly, I love momentarily fun, so I rather spend all I was given at any point in time to create bliss in the home, even if that meant being broke the next minute.

But soon after this, I was to face the real music of uncertainties. As civil servants, we had to live with several months of no salaries, salary shortfall, industrial action, and so on…So I Got to Buckle Up

Here are Some Reasons Why a Wife Should Save Money Regardless of Whether She is Stay – at – Home or Not

  • Saving is protective especially if you have kids. It prepares you to deal with emergency situations e.g. kids sudden illness, car breakdown, accidents, unplanned visitor, helping someone in need and others. It helps you handle unexpected bills, without losing your cool. You don’t have to go Cap in Hand each time you are having an unplanned expense, neither should you be the ‘Give me, When My Husband Returns Home, I’ l Pay You’ type.

  • Saving gives you self-confidence whereas borrowing (even though you are good at paying back) rubs you of your dignity.

    It’s One Thing to Get out Of Debt,

    It’s Yet Another to Stay out Of Debt!!

Just in case, you are in a not-very-secured marital relationship… save, save and save.

If your spouse is a temperamental and unpredictable kind.. save, save and save.wife saving money

You shouldn’t be stranded at the slightest provocation, and just when he decides to throw your things out? Even as I hate to use this example, it is the sad reality in many homes.

I have seen a situation whereby the husband angrily throws the mother – in – law’s luggage outside and the wife doesn’t have even a dime to ‘secretly’ give her mum to transport her back to her own residence. Heartrending!!!

So envisage such embarrassing, painful moments and save, while you work on improving your marital relationship.

  • Sense of Accomplishment……yes, earning money is rewarding, only if you have something to show for it. If you are working and nothing to show for it….no savings, no investments, no projects…think again! Even if you are a stay – at – home mom, try to save small small money. I saved better when I was not working outside the home than now!



  • Saving makes you a true helper (complement) to your spouse, in that you can rescue him when he is in dire need. It increases your worth, when you have saved up something your family can fall back on, in a rainy day!

    I encourage women to, by all means, ‘Stay Relevant’ in their homes.

    Make your contributions, support the home, and in this context, be the Financial Rescuer (no matter how small), whenever you can.



  • Saving money just makes it easy for you to be a woman. How do I mean? Well in my opinion, a real woman and perhaps a mother, once in a while stumbles on fine, quality stuffs for herself, her husband and the kids. These things like butterflies perch on you when you are not expecting, and as such, may not be there when you have been given money by your husband and you are ready to shop.

    But if you have money stashed away somewhere, you can buy something you really know is worth it, at your own time and later have your spouse reimburse you, if you so wish. But if you a ‘spend-as-you-earn type’ or spend-as-you-receive type’, it will be difficult.

    My Mom’s Little Secret… Uncovered!

    Growing up, I remember my mom bringing a new dress or shoe, asking us to try it on, when my daddy isn’t around. And thereafter, we will not see those stuffs again till an occasion arises, sometimes, months later.

    When I became a mother, I found myself doing the same.

    Why: My dad and coincidentally too, my husband will give you money to shop a week before the event. And they will be cross at you, if the items bought were not ‘best-buys’, irrespective of the fact that you rarely had enough time.

    So I buy what the family needs (non – perishable), when I hear of discounts, when i see a very nice thing, when a friend travels abroad, or when I see the best price. And then I hide them, (sorry about how this sounds), only to bring them out later when I have been given the money to shop….and I replace my stashed away monies….and the cycle continues…

    What do you think about this? You can add to this list….

    Please drop your comment below, we really love to read them …

    Does your mom stash away money?

    Where is her favorite ‘bank junction’, mine are edges of sofa and bed, inside      empty tins with lids, kept in the kitchen shelf as with salt and other condiments?

    Do You Hide Money too?  …. I mean apart from the Bank…..Where…hahaha!


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  1. Comment:yes ma. my mum hides her money too in my room and she saves a lot. At a point when things were hard for my Dad, she paid my year2 school fees and house rent and Daddy was so proud of her. Am looking forward to doing same too because its useful ma. God continue to strengthen you to keep on educating mothers and future mothers like us


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