Motherhood changes how women spend, save and think about money

Author Summary

Motherhood reshapes women's financial habits, blending meticulous budgeting with sacrifices for children's needs, often at personal long-term cost—based on qualitative research with Québec mothers. (148 characters)

Key Impacts of Motherhood

Mothers face more than lost income, promotions, and career progress. They quietly use their own funds for daily costs and make sacrifices that disadvantage them over time.

Dual Financial Narratives

Women describe motherhood in two ways financially. First, as a project needing independent budget management and cost analysis. Second, as a role demanding sacrifices where kids' well-being trumps money concerns.

Everything goes through my account; I manage everything. I prefer it that way. I'm quite detail-oriented […] I like being in charge of the budget.

Practical Financial Strategies

Mothers act as family financial planners, crafting smart plans. They build "baby budgets" by tracking diaper prices in spreadsheets or saving for kids' education. Women are times more likely than men to work part-time for child care.

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The Conversation on MSN The Conversation on MSN — 2025-11-27

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