It’s challenging enough
to survive on two incomes in
this day and age. When the difficult
(and of course rewarding) decision
is made to stay at home with
your children, what can you
do to fill the income void in
children are the most important
things in the world to you. They
deserve your full attentionand
you have gladly chosen to stay
home and care for them. You know
that you have made the right decision.
choice to be a stay at home mother
has come with a price though.
Careful budgeting alone cannot
offset that missing second income.
Yes, you and your husband are
getting by and your family is
enjoying quality time together,
but you have sacrificed income
and benefits to raise your children.
on your profession, your financial
sacrifice can be very significant
after a few years. In Ann Crittenden's
"The Price of Motherhood,"
she calculated that
that once earned over $80,000
annually could lose over $1 million
dollars in lifetime earnings after
they have a child and the woman
leaves work and stays at home.
retirement is in jeopardy as well.
matter what level your previous
earnings were, there are long
term consequences on your finances
for the years spent raising children
instead of earning a paycheck.
Aside from salary, you are not
earning any pension benefits from
an employer or medical insurance,
both of which are quite valuable.
few women when they decide to
stay home consider that they will
cease to accrue any social security
benefits from the federal government.
No income for you means that your
benefit rating with social security
a shame that there has to be such
a cost for you to stay at home
with your children. You certainly
value your work as a mom. It's
nice having time to nurture your
children's education and interests.
You even get to have fun, and
you do not envy the scheduling
hassles that working mothers face
as they juggle job commitments
and children's appointments.
are not alone either. More women
are deciding to leave the career
track and stay at home with their
children. There is a growing trend
for families to decide to make
it with only one person working
outside the home. A report from
the U.S. Census Bureau in 2001
showed that in 1998 59% of mothers
with infants worked at a full
time job, but that had dropped
to 55% in 2000, only 2 years later.
The appeal of actually being the
one to raise your children is
undeniable and more families are
pursuing this important goal.
a stay at home mom has many positive
points, but you still miss being
able to earn an income. You want
to continue developing your skills
and creativity. Maintaining your
professional skills that you worked
hard to get before motherhood
nags at the back of your mind.
You wish you had a way to transform
your time into money without compromising
your need to be at home.
can enjoy the security of a second
is a revolution starting in our
society. People are deciding that
they don't want to struggle through
a traffic jam every day and spend
10 hours at an office away from
their families in order to live.
It's time for you to start learning
how people are earning a comfortable
living from their homes. You can
start a home based business, raise
your children, and have a profitable
professional existence at the
in a second income and avoiding
childcare costs would be doubly
profitable. Think of all the important
things in your financial life
that you won't have to put off
starting your home based business
you won't have to scrimp and save
so much. Yes, youwill still bargain
hunt because it's smart and you're
good at it, but you won't have
to feel guilty about that occasional
is no arguing that the work you
do as a mother is exceedingly
valuable. The salary research
company Salary.com even attempted
to calculate what a salary for
a stay at home mother should be.
After factoring in everything
from childcare, transportation
services, accounting, laundry,
cooking, management, and much
more, Salary.com came up with
a figure of $90,000 a year. This
sounds like a lot but it was based
on a 90 hour work week.
nice as it is to know that your
work as a mother is worth nearly
six figures, there is no salary
fairy out there that is magically
going to start writing you checks.
You need to take action and earn
money your own way. The way to
do this is with your own home
based business. As your own boss,
you will be able to integrate
earning an income into your other
valuable and important duties.
the income from your home based
business, you will be able to
enjoy the benefits of financial
security. You won't have to worry
so much if your husband loses
his job. With your business income
you could even give him the freedom
to pursue a career change that
he has been dreaming of.
start earning money for today,
for your retirement, and to give
your children every advantage,
fill out the questionnaire below.
You will then receive information
about a home based business opportunity
that will let you start supporting
your family in every way.