The
Stay-At-Home Mom:
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 your household?  Your
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. Your
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. Depending
on your profession, your financial sacrifice can be very significant after a few
years. In Ann Crittenden's book "The Price of Motherhood," she
calculated that a couple 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. Your retirement
is in jeopardy as well. No 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.  And
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 is stagnating.
It's
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. You 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. Being 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. You can enjoy
the security of a second income again. There
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 same time. Bringing
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 anymore. - Taking nicer vacations
- Getting that bigger house your growing family needs
- Saving for retirement
- Funding
your children's college education
 After
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 dinner out. There
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. As 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. With
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. To
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. James
K. Larson Jr.
1-800-940-6313
Email
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