Shice,
as for SAHM, single income seemed to be lesser luxury but not so. 5 yrs now, never regret n just normal family lifestyle.
Coz if u put in CC or infant care, it will also take half of the pay? For single income, some family can enjoy Kifas govnerment subsidary, my #1's sch fee is v low.
I think holiday might not to so far and long period but still can add into your budget.
I still go restaurant too. Not like what you think.
I also bought kid for performances, musicals, short courses, plays etc. I just budget and decide what to go and what not to.
Like toys, my toys are branded ones - fisherprice but I got all from warehouse sales. So this is how I can enjoy while save $$. My #1 has sensitive skin so need to use and can only use pamper and calendular cream for whole body, so hv to budget n stock up when price is low.
I save on FM as #1 hates FM/ powdery stuff, latch all the way, dun like milk bottles too.
#1 toilet trained by age 2, so I save on diaper and diaper cream, wet wipes.
Overall, maybe not so much $$ like having ur own income, but the financial part is part n parcel.
Not sure what other SAHM do too? Maybe can share their experience, then we save more!