Profile of a Budgeting Mum: Sandy Calico

Hi, what’s your name?

Sandy Calico @SandyCalico (

Any kids?

I have two sons, born within a year of each other. Presley is 5 and Cash is 4.

Do you work? FT/PT?

I am first and foremost a stay at home mum. I’m a qualified accountant and worked as a Financial Controller for the best part of twenty years, prior to having children. I am currently also a part time freelance writer and blogger. I only do a few hours per week at the moment as I am recovering from pneumonia and trying not to take on too much.

Why do you work?

I like to contribute to the family finances and achieve something outside of parenting.

What are your child care arrangements?

I try to only work when my children are at school or in bed. I’m lucky that my mother lives close enough that she can do the school run for me if I have to attend a meeting.

How do you manage for money?

My husband works full time. His salary and my small income are enough for us to live on.

Do  you worry about money?

I worry that something will happen to myself or my husband, but that worry is more than just about money.

What do you waste money on?

It’s a cliche, but I do have more handbags than I strictly need. When you’re a little on the large side, handbags always fit.

Have you made any big financial changes since having kids?

We’ve gone from two full-time salaries down to one. When we last moved house we decided to do it with as small a mortgage as possible. We take far fewer holidays now. We cut our cloth according to our means.

How do you make extra cash?

Outside of blogging, I sell unwanted items via Ebay. We sold some of our large baby items this way. Cots, playpens and room dividers are popular with childminders and grandparents.

Can you share 3 top budgeting tips for other parents?

1. Look at your monthly outgoings. Do you really need Sky/Mobile Data/Gym Memberships? If you can do without, see if you can cancel your commitment.

2. Buy in the sales. I buy clothes for my children in larger sizes that I know they’ll grow into. Keep a note of what you need and mark what you have already bought against it. I also have a present box where I stash bargains.

3. Plan your meals before you shop so that you only buy what you need and no food needs to be thrown away. Cooking from scratch is cheaper and healthier than buying ready meals or takeaways.


Thanks so much for you answers Sandy!

Sandy Calico has been blogging at Baby Baby ( for four years. She writes about her life, past and present. She enjoys baking, writing, reading, singing, crochet and living in Milton Keynes.




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