Over at The Dollar Stretcher, Pamela wrote looking for money-saving ideas that won’t burden an overfull schedule:

I need some tips from women who work outside the home and drive to a workplace everyday then have to come home after a long work day and take care of house and family. I often can’t use tips from women who stay home because they require too much time. For instance, I don’t have time for gardening.

Dollar Stretcher readers chimed in with a great list of ways to save money without sacrificing time with the family. These tips are excellent for moms and dads. Here are some of my favorites:

  • Make sure to do shopping and errands during your commute. Not only does this save time, it ultimately saves money.
  • Moving to online banking is another time- and money-saving strategy. (Many banks offer digital statements that automatically integrate with most popular personal finance software packages.)
  • Save money by taking out your homeowners and car insurance policies with the same company.
  • Even if you don’t have time for a big garden, consider square-foot gardening. It’s easy, takes little space, and is a great way to save on produce.
  • Be sure to have goals. Financial goals help keep you from spending on things that don’t matter.
  • When both parents work outside the home, it can be difficult to have homemade meals every night. Learn which restaurants offer cheap, wholesome food in your neighborhood. Do they offer specials on certain nights? Can you find coupons to reduce your expenses further?
  • One Dollar Stretcher reader touts the virtues of the rotisserie chicken. Another mentions that once-a-month cooking is another great tool for busy families.
  • One reader recommends picking up tricks at FlyLady.net. A lot of GRS readers have recommended this site, but I still haven’t found time to explore it.

Many commenters recommend taking a day just to relax. Managing a growing family can be expensive and time-consuming. Build time into your schedule for yourself. Busy parents may find other great advice in the book Miserly Moms by Jonni McCoy. Though it’s targeted at one-income households, families of any type shold find its advice valuable.

[The Dollar Stretcher: Money-saving ideas for working moms]

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, GE Capital Bank, and more.