If you’re raising a family in the Netherlands, you already know how quickly daily expenses can add up. Between rising rents, grocery bills, childcare costs, and utility bills, managing your household budget can feel like a full-time job. The cost of living in the Netherlands is 2.8% higher than in the U.S.
But here’s the good news: how to save money as a family doesn’t have to mean sacrificing everything you love. With the right habits, tools, and local resources, Dutch families can live well and stay within their budget. In this guide, we’ll show you practical, realistic ways to make how to save money as a family in the Netherlands possible, without sacrificing your quality of life.
Why family budgeting is important in the Netherlands
Living in the Netherlands offers many advantages—great public services, high-quality education, and a safe, family-friendly environment. But it also comes with a relatively high cost of living, especially in large cities like Amsterdam, Utrecht, or The Hague.
From rent and groceries to childcare and insurance, Dutch families face a wide range of fixed monthly expenses. That’s why having a solid family budget isn’t just helpful—it’s essential. Budgeting helps you:
- Gain control over your income and expenses.
- Plan ahead for big expenses like vacations or school supplies.
- Take advantage of Dutch allowances and subsidies.
- Avoid unnecessary debt or financial stress.
Smart Ways to Learn How Saving Money as a Family Works in the Netherlands
From food to transportation, there are plenty of simple, realistic ways to cut costs in everyday life—without leaving your family feeling left out. Here’s how Dutch families can get smart and start saving.
Groceries & Food
Food bills can eat up a huge chunk of your monthly budget. But with smart shopping and a little planning, you can save big—week after week.
- Shop at discount supermarkets such as Lidl, Aldi or Dirk, which consistently offer lower prices for everyday groceries.
- Use the Too Good To Go app to buy unsold food from supermarkets, bakeries and restaurants at deep discounts.
- Plan weekly meals in advance to avoid impulse purchases and reduce food waste.
Childcare & Education
Child-related expenses are high, but the Dutch government offers excellent support if you know where to look.
- Apply for Childcare Allowance to reduce the monthly costs for childcare or playgroup.
- Some schools offer free school lunch programs or meal subsidies for low-income families—check with your local government or school about local options.
Clothing & Essentials
Kids grow fast, and clothing costs can surprise you. Buying secondhand is a smart and sustainable choice.
- Shop at local thrift stores, which are common in every Dutch city.
- Check platforms like Marktplaats or join Facebook groups for your local area to find free or cheap clothing, furniture, toys and baby items.
Transportation for the family
Getting around the Netherlands is easy and affordable—if you make the most of public transport and shared mobility options.
- Try NS Flex subscriptions if you travel by train—there are flexible plans for off-peak hours and family travel.
- Use OV-fiets (bicycle sharing service of NS) instead of owning a second car. It is cheap, convenient and perfect for short trips.
Energy & Utilities
Energy prices in the Netherlands can vary widely, but so can your bills, with a few smart moves.
- Use tools like Independer to compare electricity, gas and internet providers and find the best deals.
- Many families save money by switching providers annually to take advantage of welcome bonuses and lower rates.
Free and Cheap Entertainment
Entertaining children doesn’t have to cost a fortune, especially in a country with great public spaces and cultural attractions.
- Get a Museum Card for children and adults, which gives unlimited access to more than 400 museums throughout the country for one low price.
- Take advantage of free city activities, library activities and nature walks in local parks and forests such as the Amsterdamse Bos or the Utrechtse Heuvelrug.
Government Benefits for Families
Raising a family in the Netherlands can be financially demanding, but the Dutch government offers several benefits to support families. Understanding and taking advantage of these can significantly ease your financial burden.
Child benefit
All parents in the Netherlands are entitled to child benefit, a quarterly payment to help cover the costs of raising children. The amount depends on the age of your child. You can apply via the Social Insurance Bank (SVB).
How to apply for child benefit?
Rent allowance
Lower-income families who rent their homes may be eligible for housing benefit, a subsidy to help cover rental costs. Eligibility depends on income, rent and household composition.
Rent allowance – Tax Authorities
Health care allowance
To help with the mandatory health insurance premiums, the health insurance allowance is available to individuals and families with lower incomes. The amount received depends on the income.
Healthcare allowance – Tax Authorities
Save Money on the Brands You Love
Looking to save money on everyday essentials and family favorites? Use verified promo codes and discount deals from Saving Says NL to find the best deals. Take advantage of exclusive savings and spend less on your next purchase — from groceries and travel to tech and toys!
For example, you can find discounts on popular brands such as:
Emirates : Offers up to 10% off flights.
Aliexpress : Access to various promo codes for electronics and gadgets.
Eenvakantiehuisje : Discounts on bookings of holiday homes.
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Latest Tips & Encouragement
Saving money as a family in the Netherlands is a joint effort that can strengthen bonds and build financial resilience. Here are some final tips to keep in mind:
Set Joint Goals: Discuss and set joint financial goals, such as saving for a vacation or a new appliance, to motivate the whole family.
Regular Budget Meetings: Schedule monthly discussions to review expenses, adjust budgets, and celebrate savings milestones together.
Involve Kids : Teach kids about money management by involving them in budgeting decisions and encouraging them to save some of their allowance.
Celebrate Successes: Recognize and reward family efforts in achieving savings goals and reinforce positive financial behaviors.
Stay Informed: Use resources and news to stay up-to-date on financial tips, tools, and educational materials that can help your personal efforts in managing finances lead to a safer, more fulfilling family life in the Netherlands tailored to Dutch families.
Remember, be consistent and collected.
Frequently Asked Questions
Q. What are some easy ways to save money on groceries in the Netherlands?
Buy in bulk, shop at budget supermarkets, take advantage of weekly deals and use food-saving apps to reduce waste and cut costs.
Q. Is there financial assistance available for childcare and education in the Netherlands?
Yes, families can apply for childcare and education-related allowances through official government programs, depending on income and situation.
Q. How can I spend less on clothes and supplies for my kids?
Buying secondhand, swapping in your community, and looking out for seasonal sales are all great ways to save.
Q. What is a cost-effective way for families to travel across the country?
Public transit passes, bicycles, and car sharing options can all help lower monthly transportation costs for families.
Q. Are there financial benefits available for families with a lower income?
Yes, the Dutch government offers various allowances and subsidies for families based on income and family size.
Q. How can I make saving a habit for the whole family?
Hold monthly budget check-ins, set joint savings goals, and celebrate when milestones are reached to stay motivated as a team.
Q. Where can I find discounts on everyday brands and products?
You can check Saving Says NL regularly for updated offers, coupons and special promotions to help you save on your favorite brands.