Let’s be honest—managing money isn’t always easy, especially when you’re juggling the chaos of motherhood. Between nappies, school lunches, and never-ending laundry, finding the time (or energy) to focus on finances can feel impossible. But here’s the good news: technology is making it easier than ever for mums to get back in control of their money—and even grow it.
Here’s how smart, everyday mums are using tech to take back financial control.
1. Budgeting Apps Make It Simple
Gone are the days of paper planners and complicated spreadsheets. Budgeting apps like YNAB (You Need A Budget), Emma, and Money Dashboard are like having a personal finance assistant in your pocket.
These apps help mums track spending, set savings goals, and even split expenses between categories like groceries, school supplies, or “treat-yourself” funds. Everything is laid out in a clear, colourful dashboard that makes it easy to see where the money’s going—and how to stay on track.
2. Online Banking = More Power in Your Hands
Remember when you had to go into a bank just to check your balance? Now, mums are using mobile banking apps to do it all—pay bills, transfer money, lock lost cards, and even set spending alerts.
Some digital banks like Monzo and Starling are especially mum-friendly, offering features like “savings pots” and instant notifications for every transaction. It’s like having a money coach cheering you on.
3. Cashback and Discount Apps Help You Save on the Go
Mums are some of the savviest shoppers out there, and with apps like TopCashback, VoucherCodes, and even supermarket apps, it’s easier than ever to stretch every pound.
These apps reward you with cashback for everyday purchases, or alert you to the best deals nearby. Whether it’s getting £5 back on baby clothes or saving on your weekly shop, these little wins add up fast.
4. Online Side Hustles Are More Accessible Than Ever
Many mums are turning to tech to bring in extra income—from the comfort of their home (or even during nap time!). Whether it’s selling crafts on Etsy, freelancing online, or offering virtual services like tutoring or consulting, there are endless ways to earn money using just a laptop or phone.
Even social media-savvy mums are becoming influencers or building small businesses through platforms like Instagram and TikTok.
You’re More in Control Than You Think
Technology isn’t just for the tech-savvy—it’s for the busy, multitasking mums who are taking back control of their finances one tap at a time. Whether you’re trying to get out of debt, save for a family holiday, or simply feel less stressed about money, there’s a tool out there for you.
The power is literally in your hands. 💪📱
Are you looking for some support in navigating motherhood? Check out more helpful resources from our blogs, join our FB group, follow us on Facebook and Instagram and connect with fellow mums and our team of financial experts ready to help you!
If you’re searching for a more comprehensive tool to help you manage your finances, we recommend checking out the MUM CFOs Money Masterclass course. This course offers a wealth of knowledge from financial professionals in various fields, including financial planning, credit repair, mortgages, accounting, investments, insurance and estate planning. By learning from their expertise, you will gain the tools and strategies necessary to achieve your financial goals. Don’t miss out on this valuable opportunity to enhance your financial literacy and take control of your finances!
