Whether by choice or circumstance, living on one income is possible with the right approach.
Before Making the Switch
- Live on one income while you have two (save the other)
- Build 6+ month emergency fund
- Pay off high-interest debt
- Adjust lifestyle expectations
Budget Priorities
- Housing (aim for under 30% of income)
- Utilities and insurance
- Groceries (meal planning saves hundreds)
- Transportation
- Savings (even $50/month matters)
Stay-at-Home Partner's Role
Non-working partner contributes by:
- Managing household budget
- Cooking meals (saves $500+/month)
- Finding deals and discounts
- Childcare (saves $1,000+/month)
Tracking Together
Both partners should see the budget:
- Working partner knows where money goes
- Stay-at-home partner tracks daily spending
- Weekly check-ins prevent surprises
Start Tracking Together
Download Pocket Clear free. Simple expense tracking for couples and expats.