April 17th, 2018

When Should a Stay at Home Mom Consider a Work at Home Job?

When Should a Stay at Home Mom Consider a Work at Home Job?

While many stay at home moms do already work at home, others don’t. The reason is pretty simple: It’s hard to commit yourself fully to your family if you have to work all the time. And if your family doesn’t need the money, why use up all that time?

But things can change, and working from home may be a more pleasant option than giving up on the stay at home dream altogether. Fortunately, it may be manageable if you plan ahead and are realistic about your own capabilities.

So when should a stay at home mom consider a work at home job?

If Your Family is Carrying a Heavy Debt Load

For this, I generally mean beyond a mortgage. Most people carry a mortgage on their home for quite a number of years, and that’s not a bad thing so long as it is manageable. But credit card debt, student loan debts and so forth are more of a problem.

Working at home is a way to get some of that debt paid down a little more quickly. If you don’t need the money for other purposes, use the new income to pay off your debts.

Take a look at how much you pay out each month on credit card or student loan debts. Think about how much more comfortable your family would be if that money didn’t have to go there. If you’re dealing with these debts, it’s probably a good time to consider a work at home job.

If your family is struggling to pay the mortgage, it’s probably time for the stay at home mom to find a job. Working at home is one way to do that without entirely giving up having one parent at home. You may have to get help watching the kids while you work, but if the hours are flexible enough, you can manage pretty well.

To Give Your Family A Financial Cushion

Jobs can be lost for so many reasons. Layoffs and medical issues come immediately to mind.

If you don’t have several months’ worth of income saved up for such a crisis, your family can be in deep trouble if the only wage earner suddenly isn’t bringing in much money, or is bringing in significantly less. Unemployment benefits don’t pay the same as a job, and they don’t last that long, not when you consider how long many job hunts last. And there’s no guarantee that a new job will pay what the old did.

If you start working at home you can bring that cushion up. It can be protection for your family in case of difficulties. Much better than living month to month.

The fact that I work at home has kept us afloat many times. When my husband was laid off years ago, my income meant we could still handle many of the bills. Credit card debt still hit us, but not nearly as hard as it would have if I hadn’t been working.

Even with two incomes, it’s not uncommon to live month to month. Lots of families earn barely enough to get by with two incomes. Your work at home job may or may not be enough to keep your family from living month to month, but it’s better than you not working at all.

Just Because You WANT To Consider A Work At Home Job

Sometimes you just want more from your life than taking care of home and family. Especially as children get older there’s only so much you can do, after all. Working at home gives you the chance to still be there while pursuing one of your own interests.

We have a huge advantage over mothers who worked at home in the past. There are a lot more options. We can go beyond the traditional options of daycare and network marketing and follow still more of our own interests.

You can start a blog. You can be a remote worker for all kinds of companies, doing tech support, medical codingcustomer service, transcription or many other remote jobs. You can hire yourself out as a freelance writer, programmer, designer, whatever suits your skills.

Don’t give yourself a hard time if you find that you wish you had a job when you’re a stay at home mom. It’s perfectly reasonable. There are a lot of benefits to your family. The right job or online business will allow you to keep being the stay at home mom you want to be while you earn an income.

So What’s The Catch?

The catch, of course, is that not everyone will succeed in working at home. It does take from your day. It takes effort. It’s flat out difficult for many people to find opportunities that aren’t scams. And yes, if you start a home business you may even lose money. It’s not risk free.

If you decide you want to work at home, don’t be in a rush about it. Don’t allow hype to catch your attention, or worse yet, your wallet. Take your time and do your research. Ask other people about it. The work at home community is generally very willing to help new members figure out what is legitimate. While you can’t trust everyone you meet online, getting more eyes on what you think will be good can help you to spot potential problems before you’re paying for them.

The last thing you want is to fall for a work at home scam and make the situation worse. It’s hard enough to earn money from home for many people – you don’t need someone stealing away much needed money.

You should also be aware that many work at home jobs aren’t as flexible as some think. Some are very strict about work hours or work conditions. Pay attention to the requirements of the job as you go through the application process. A customer service job that requires a complete lack of background noise, for example, won’t go so well if you have a screaming infant nearby while you work.

Take your time as you consider a work at home job. Make sure you know what you want from it and what employers are likely to want from you. This will help you find something that is a good match to your financial and scheduling needs.

Disclosure: Some of the links in this post may be 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

February 22nd, 2018

Beating Stay at Home Mom Isolation

Beating Stay at Home Mom Isolation

It’s been one of those days. The kids are screaming. You were lucky to get a shower this morning – if you did at all. The laundry is piling up, as are the bills. You’re always surrounded by your beloved children, yet you’ve never felt so alone. Stay at home mom isolation has you in its grip. There has to be a way to beat this thing.

The feeling of isolation is often the price to be paid for the privilege of being a stay at home mom. It goes along with the loss of income and privacy. Many a stay at home mom quickly notices a feeling of isolation, not only when she first starts out at home, but also when circumstances cause her to lose touch with the outside world.

Isolation is painful. It doesn’t matter that you adore your children or that all the other stay at home moms you know are counting their blessings and seem to be having a blast. Sometimes the personal sacrifice of less time with other adults really stings.

It’s even harder when you run into people who tell you that you should just be grateful for the time you have with your children. You can be grateful for that yet still feel isolated. There is nothing that says those two things can only be felt separately. Being told to be grateful doesn’t solve the problem – it only makes the SAHM feel guilty for her own feelings.

You don’t have to feel completely alone. No matter how young your children are there are things you can do to get some time with other adults and beat those lonely feelings.

Run Errands

Something as simple as running errands can help. It’s not much time with other people, and you probably won’t have a real conversation with anyone other than the cashier as you check out, but it can relieve some of that isolated feeling.

Running errands won’t solve your isolation – it’s just not enough. It’s better than nothing, especially if you know when friends run errands. A lot of parents in my area, for example, run errands after dropping the kids at school. Chatting with the ones I encounter makes my errands take longer than necessary, but it’s so nice to talk to other adults!

Go Fun Places

If the children are old enough, heading to the park or to a museum can help with stay at home mom isolation. The park is particularly enjoyable if you can arrange for another mom to be there, ideally with kids for yours to play with. The children get exercise; you get time to talk with another grownup who knows what you’re dealing with.

You don’t have to take the kids along for all your fun outings if someone else can take care of them. Your spouse can handle them for a little if you want to go out on your own, maybe meet up with friends, or you can get a sitter so you can go out together. Time away from your kids really helps refresh you for later.

Join A Mom Group

There are also various moms groups you can sign up for if you don’t know any other stay at home moms in your area. Stay at home moms can be hard to spot, but you might be surprised at how many are in your area.

You can find groups online or form your own as you meet other stay at home moms. It can take some time to find a group that’s a good match, but it’s worth the effort.

Socialize Online

Going online really can help. Join a forum on a topic that interests you. Read blogs. Start one of your own. It’s all a chance to express yourself and at least virtually interact with people who share your interests.

There are mom groups all over the place online. You can probably find one with parents you’ll enjoy chatting with. Search for them on Facebook and BabyCenter (it’s not all about babies) for starters.

There will be drama in most groups from time to time. It happens. Friends disagree in person too, right? It may be a bit rougher in a large group with more people to argue, but it’s normal. Sometimes it will be bad enough that you decide to leave the group, or others will decide to leave. Other times you can agree to disagree and move on.

Volunteer

Find a place to volunteer, with or without the kids, depending on what’s available in your area.

My kids and I have volunteered at a local animal shelter for several years now. The employees and other regular volunteers all know us. While most of our time is spent with the animals, we get to chat a little with customers and the others who work there. It’s a lot of fun.

Work At Home

Starting a work at home job or a home business can help you feel less isolated. This can be challenging when the kids are tiny and need a lot of attention. Doing something super flexible is easiest, even if it doesn’t bring in as much money as it might otherwise.

This is why I like blogging. You can write when the kids are sleeping, playing peacefully, or when your spouse is around to be the main parent. Starting a blog is easy… making it profitable is more challenging. I consider it worthwhile.

Don’t Feel Bad About Feeling Isolated

Some stay at home moms will insist to you that they never feel isolated, as though you shouldn’t either. But if you ask them about it, you will find out that these are the moms who already have a good network of friends and family they can talk to and do things with regularly. They aren’t lonely because they don’t allow it to happen.

Don’t Feel Bad About Being Frustrated

We all have bad days. When the kids are acting up and making life difficult, any parent will get frustrated. Sometimes you just have one of those days where it all goes wrong.

As you get used to being a stay at home mom and develop friendships with people who can be there when you need someone other than a child to talk to, you can get control over stay at home mom isolation. It doesn’t have to be a problem forever.

Disclosure: Some of the links in this post may be 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

January 4th, 2018

The Financial Hazards Of Being A Stay At Home Mom Or Dad

The Financial Hazards of Being a Stay at Home Mom or Dad

I’ve gone over the financial benefits of being a stay at home mom or dad. They can sound pretty good, but they are not the full picture. There are also a number of financial hazards of being a stay at home mom or dad. It’s vital that you know them as well.

Loss Of Income

Obviously, you’re losing a lot of income when you stay at home and don’t work at home. While that loss may be offset by not having to spend money on childcare and such, this is not the complete picture.

There are also lost career opportunities when you’re a stay at home parent. Staying home with the kids for five years means you’re missing out on five years of raises and chances for promotions. It’s five years that you might not be keeping up with your industry well enough to return to the same position as you had before.

This is why it is important for stay at home moms and dads to keep up with their industries or work to improve their educations. Another option is to work at home, whether you telecommute from your old job, find something else that can be done from home or start your own online business, such as a blog.

It can be more difficult to find a job as you get older too, especially if you haven’t worked for a while. Age discrimination is a thing, and it’s very hard to prove.

Working at home part time doesn’t entirely resolve these issues, but it’s a start. Some moms will be fortunate enough to find something that brings in enough money to replace a full time outside the home job, but many others will not. It’s something to consider.

Decreased Savings For Retirement

Few stay at home parents save for retirement, yet it’s just important for them as it is for a parent who works outside the home. It’s hard to save the money when things may be tight already. But the younger you start saving for retirement, the more benefit you will gain from each dollar saved. Vanguard has a great chart on this on their site.

Loss Of Network

Your network of friends and professional contacts can make a huge difference in your career path. When you take a break from working to raise a family, your professional network usually shrinks dramatically. It’s hard to keep in contact with people on a professional level when your lives are in such different places. Plus, you aren’t showing yourself to them as a professional; when they see you, it’s as a parent.

Financial Dependence On Someone Else

You love and trust your spouse, or so I assume. You believe that they will be able to provide for you and your family. That’s a part of why you’re at home with the kids and they’re working.

I touched upon this in the work at home section of the financial advantages of staying at home post yesterday. I reiterate this today – there is a lot of risk in being financially dependent on someone else.

Not because they’re unreliable. Not because they’re untrustworthy. But because you never know what life is going to bring you. Unemployment, disability, divorce and death can all happen, and you won’t always see it coming.

You need to have a plan in place to handle a financial crisis, whatever the cause may be. Shit happens. Take some time with your spouse and make sure that you and your family will be taken care of, no matter what happens.

That includes if something happens to you. Stay at home moms and dads provide a valuable service to their families. What would your family do without you? Your financial emergency plans should include something for if you can’t continue to care for your family for whatever reason. Life insurance for both parents is a good start. It doesn’t hurt to have small policies for the kids too. You know you would both be wrecks if something happened to one of your kids, right?

Get into the “what ifs.” They aren’t fun… in fact, they can be downright scary to consider. But they are important. Plan for them before you have a problem. They shouldn’t rule your lives, but they should be acknowledged.

Having One Parent Manage All The Finances

Even when both parents work, it’s not that uncommon for one to handle most or all of the finances. One usually has more interest in the subject or more time for it. That doesn’t make this an ideal situation.

Make sure both parents know what your financial situation is. The parent who works outside the home should not be the only one to know how your finances are doing. The same goes for the stay at home parent.

Both parents need to know what the bills are, when and how they get paid, what your income is, and what’s in savings. Take some time and talk about these things regularly, regardless of who handles the finances for the most part.

Offsetting The Financial Hazards Of Being A Stay At Home Mom Or Dad

There are some things you can do to offset the hazards of being a stay at home mom or dad. You need a safety net, for your own sake and the sake of your family. I mentioned working at home and improving your education in the benefits of being a stay at home mom or dad article. Those are the two big things you can do to minimize the risks.

Finding the right work at home opportunity is quite challenging. The scams are numerous and much easier to find than the legitimate opportunities. The skills you already have may or may not be suited to working at home and you may have to pick up an entirely new skill set. If you can make it happen, however, it can be well worth it.

Many parents plan on going back to working outside the home, at least part time, once the kids are in school. These jobs are generally easier to find than work at home jobs, but a part time job that makes the most of your skills can be very hard to find.

Taking classes at night at a college or online when the kids make it possible is always an option. Improving your education is a great choice if your career wasn’t where you wanted it to be before you became a stay at home parent. There are so many options now, although paying for it can be a challenge if your budget is tight.

Whatever you do as a stay at home parent, consider your financial future. Don’t leave it as some vague thing to be handled when the kids get older. Plan now so that you can make the most of your time as a stay at home parent and still have a good career later. You will thank yourself later for thinking of your financial future now.

Disclosure: Some of the links in this post may be 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

January 3rd, 2018

The Financial Benefits of Being a Stay at Home Mom or Dad

 

The Financial Benefits of Being a Stay at Home Mom or Dad

The decision to become a stay at home mom or dad is usually not made lightly. There can be significant financial consequences, both to the family and to the parent who stays home with the kids. But there can also be financial benefits of being a stay at home mom or dad, and these are worth considering.

No Daycare Costs

The cost of daycare for young children is significant, and this is often a large part of why a mom or dad may choose to stay at home. The more kids you have, the more this costs. Sometimes a family comes to the realization that one paycheck is going almost entirely to the cost of daycare. There is little point in working outside the home if all your money goes to that.

The cost of childcare in much of the United States is higher than the cost of attending an in-state public college. This is why it’s difficult for many families to keep both parents working if they have more than one child – too much income goes to daycare.

I live in California, and according to the Child Care Aware map, the cost of in-home child care for an infant is $7,678. It’s $11,817 for a daycare center. The costs are a little less than double that if you have an infant and a 4 year old in childcare. That’s a lot of income out of your paycheck. Getting rid of that is a huge financial benefit.

These numbers get better, of course, once the kids go to public school and need less daycare. They’re pretty much irrelevant for me now, as my oldest is 15 and my youngest is turning 9 soon. That’s why so many parents go back to work once the kids are in school – you can earn enough to make things worthwhile more easily.

Income Taxes

Your income tax burden may drop when one parent has no income. Not only do you have less income to tax, you may fall into a lower tax bracket. The change in tax bracket, of course, depends on how much the family earned with both parents working versus having just one work.

Remember that the higher tax bracket only applies to the income above the previous bracket. The income below that is taxed at the lower rate. This makes estimating your taxes difficult, but you can give it a good shot if you want actual numbers to work with.

Spending Goes Down

Your family can decrease spending in many ways with a stay at home mom or dad. It’s not just about child care.

A stay at home parent’s wardrobe costs less than a professional wardrobe, as a general rule. Pretty much everything can be washed at home rather than dry cleaned, which helps as well. How much of a benefit this depends significantly on the job the parent had before.

Stay at home parents eat lunches out less as a general rule too. They also don’t grab coffee out as often as parents who work outside the home. Getting coffee and a little something for breakfast on the way to work can easily run $5 a day. When stay at home parents do go out, on the other hand, it’s usually with the kids, so things can add up a little faster.

These savings can also extend to dinner. Having a parent at home makes it easier for that parent to cook meals at home, so the family eats out less in the evenings too.

A stay at home parent can do a lot to help the family live more frugally. They have time to find the best deals on groceries and other things the family needs. Food is one of the major expenses for a family, and there are many ways to save money in this area.

Transportation Costs

The stay at home mom or dad no longer has commuting expenses. This can be a huge savings. We went through a time when we had only one car because I drove so little. The savings was incredible, as that means we only paid for insurance on one car, having sold the other. Where we live now, it’s not practical to have just one car, but my insurance premiums are pretty low since I still don’t drive as much as someone who commutes.

Your transportation expenses will probably go up some as the kids get older and go to school or join activities. How much of an impact this has depends on how far away these things are – I was able to walk my kids to and from school for years.

No Hidden Work Expenses

Working outside the home can have some hidden expenses beyond commuting and clothes. Consider the social side of working in an office. Some of these expenses don’t come up often, while others are more frequent.

Some places have employees contribute to a coffee fund, for example, so that coffee is always available for everyone. There may also be requests for contributions for birthday gifts, baby showers and retirement gifts for coworkers throughout the year.

While all these things are pretty small in most places, they can add up through the year.

Better Career Focus For The Working Parent

The parent who continues to work outside the home can put their complete focus on their career when the other parent stays at home. They don’t have to worry about being called home when one of the kids gets sick. Staying late to finish a project is easier when you don’t have to worry about being on time to get the kids from daycare, which also looks good to employers.

This makes that parent look more dedicated to their employer, and may improve his or her chances at advancing their career. This benefit can be hard to define because it depends on so many factors, but it can be significant.

Time To Improve Your Education

Taking some time to improve your education while you’re a stay at home parent is an expense, but you may be able to make that into a financial benefit when you return to work.

There are a lot of online education options these days. You might decide to learn to be a medical coder while you’re at home so that you can earn money. You might look at getting a degree from an accredited college.

Improving your education is never a guarantee that you will earn more money when you go back to work, but you do improve your chances. This can help make up for the opportunties lost while raising your family.

You Can Work From Home

Working from home is a benefit I strongly recommend to stay at home moms and dads. My income has saved us many times. Several years ago my husband was laid off from the job he held at the time, and the fact that I was bringing money in meant that it was a complication, but not a complete financial disaster.

Working at home is so affordable in most ways. Costs will depend on what you do, but many work at home jobs and online businesses don’t add a lot to your monthly expenses. If you need only your computer and your internet connection, well, these are things you’re paying for anyhow.

It is not easy to get started working from home for most people. Work at home jobs can be challenging to find, and businesses… are businesses. It takes time to make one into a success and there are no guarantees that you will ever succeed with an online business. On the other hand, they’re cheap. It costs very little to start a blog, for example.

I strongly recommend working at home, at least a little, when you’re a stay at home parent. A single income family can be hit hard if anything happens to the breadwinner parent. Unemployment, disability, divorce, and death are all things you probably won’t see coming but can happen to any family. Working from home gives your family a buffer against these problems.

These financial benefits of being a stay at home mom or dad aren’t meant to dismiss the very real financial risk a stay at home parent takes. I’ll be covering that next.

Disclosure: Some of the links in this post may be 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

April 27th, 2016

How Not to Burn Out as a Stay at Home Mom

How Not to Burn Out as a Stay at Home Mom

As discussed in the previous article, it’s easy to burn out as a stay at home mom. It’s not the easy job many people think it is, at least not all the time. We all have good days and bad days. Being a stay at home mom can go from the best job in the world to sheer drudgery in a short time, often in the same day.

1. Teach your kids to help

Teaching your kids to help out around the house is not always fun. It often makes the jobs take longer, and it takes kids a long time to learn to do the jobs as well as you’d like them done.

Kids are generally very willing to do some jobs, and very unwilling to do others. I encourage you to teach them to do both types. It’s a huge help to not be the only person in the house dealing with dishes, laundry, cooking and so forth.

Of course, your spouse/significant other should also be doing a share. Being a stay at home mom doesn’t mean you have to take care of it all, day and night, 7 days a week. Come to an agreement about responsibilities so that one parent isn’t taking the bulk of the load when both are home and available.

2. Don’t put your kids in more activities than you can handle

It’s not just parents who decide that kids go in a lot of activities. Sometimes kids want to do it all… soccer, ballet, baseball, karate, art, music lessons… the list goes on. It gets worse when you have more than one child, especially if their interests are different. You can do a lot of truly exhausting and time consuming running around if you aren’t careful.

There’s a balance to be struck between what you want your kids to do, what they want to do, and what you realistically have the time and/or money to do. All of it matters.

I suggest first taking into consideration what activities your child wants to do and deciding if it’s reasonable given the time and money required. My oldest, for example, wanted to join the local swim team, but after reviewing the cost and time commitments, we agreed that it wasn’t going to happen. I have since heard from other parents that you tend to get nickel and dimed a lot for swim team stuff, over and above the monthly fees, so I’m glad we didn’t join.

If there’s still room for more activities, next consider what you would like your child to do. I don’t suggest putting your child into something they’re strongly against without good reason, but sometimes it makes sense to tell your kids that they will try out a sport or a musical instrument, and decide together which is the most interesting, and how long they have to try it. There are good reasons for children to get involved in sports or music for a time, even if they don’t see it.

3. Learn to say no

Schools need volunteers, there’s no disputing that. In fact, I encourage you to volunteer at your children’s school when you have the time. I volunteer at my kids’ school one day a week for about an hour and a half, plus occasional field trips or special events.

I’ve even done walking field trips with classes that none of my kids were in just because I knew the teacher and she was short on volunteers. She asked me if I could go along the morning of the field trip because she knew I was flexible. We walked the classes to a local coffee shop so they could see their art displayed (the kids were allowed to buy a snack or a drink if they had money), then walk back. This took the place of my gym workout, so the time spent wasn’t a big deal, but really helped the teacher out. All together it was about 5 miles of walking, because I went with both of her classes.

If I hadn’t had the time, I would have declined and she would have understood. Most people will, although some will pressure you to volunteer when you don’t want to or shouldn’t. You have to learn to say no and mean it. That’s not easy if you’re used to helping out, but important when you realize you’ve been doing too much.

You may also need to learn to say no when friends or family ask for help and it’s not a time that you can do it. Do things for others when it’s reasonable but don’t demand the impossible from yourself.

4. Have fun with friends

One way you can make time for yourself is to go out and have fun with your friends once in a while. Not only is it good for you to have a social life, it’s good for your family to see you have a social life.

5. Get enough sleep

It’s easy to skimp on sleep. There’s so much to get done throughout the day, and it can be easier to get things done when everyone else is asleep. Early mornings and late nights add up, and leave you exhausted.

If you have to stay up late or get up early to get things done as a stay at home mom, you may need to have your husband and/or kids help out more. It is not all your job and you shouldn’t feel as though it’s all up to you. The other people in your family can help as appropriate by age and other obligations.

6. Do things away from home

I don’t mean just grocery shopping, although sometimes grocery shopping is a fair break. It’s not a great one. You should do more than that away from home.

Getting away from home doesn’t have to be without your family. It’s good for all of you to do things elsewhere. Head out to a park or museum, go for a hike, do something fun. A part of enjoying your time as a parent is doing things as a family as well as on your own.

7. Get away from your electronics

It’s easy to be overly attached to your smartphone or computer, but it’s not a good thing. Neither is watching too much television. Take time every day away from your electronics, especially close to bedtime. The light from electronic screens can make it harder to get to sleep.

If you are using your electronics at night, take a look at f.lux, which is a free program that changes the lighting on your computer screen. I really like it. I can’t promise that it will make it easier to sleep, but I like it on my computer.

8. Make time for yourself

Take time regularly to do things you enjoy, whether at home or out of the house. Read, work on a hobby, get out to the gym, whatever works for you. Not only is it a break for you from being on as “Mom” all the time, it shows your children that being a mom doesn’t have to mean losing yourself, and that’s good for them too. You deserve to be a priority.

9. Make time for your spouse/significant other

How long has it been since the two of you have been on a date? I know my husband and I often go too long without getting out alone together. It’s very easy to skimp on time for each other.

You don’t have to be fancy about this. You don’t even have to get out of the house, although I think it helps quite a bit. But if money and/or time are tight, find things to do at home together. You can watch a movie, which gives you the option of going out to the theater, grabbing a rental, or watching something you own or something playing on TV. You have have a special meal at a restaurant or something special together after the kids are in bed.

Doing things around the house together can be good too. My husband and I have a lot of fun just walking around the front and back yard of our new house, planning out how we’re going to change the landscaping to suit our needs and California’s drought.

10. Relax

Sometimes just kicking back and doing nothing is good. Really good. Maybe in a nice bath.

11. Consider getting a work at home job

I am a huge fan of at home moms and dads having a work at home job. The work I’ve done at home has helped keep our family afloat. If I didn’t work at home, we would not have been able to buy the house we are now in. I earn more than my husband now, so I definitely consider it worthwhile.

Not only does working at home give you more financial stability in a crisis, it’s a good example for your kids. It’s a lovely thing to be able to say that you trust your spouse to provide for your family, but too many families get hammered by realities which cannot be prevented. Death, disability, divorce, unemployment… I’ve written about these before but it bears repeating. Working at home is a way to protect your family financially while being there for them.

Having a work at home job will increase some stresses, of course, but I think the benefits are well worth it, especially if your family would otherwise be in a financial crisis.

Doing all of this won’t mean that you never feel burnt out; we all go through frustrating times in life. But it will help you to deal better with the challenges of being a stay at home mom. Don’t expect to be happy all of the time; that’s just not realistic. If you take care of yourself as well as your family, odds are you’ll enjoy your time raising your kids overall.

Disclosure: Some of the links in this post may be 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

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Disclosure: Home with the Kids is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. I also review or mention products for which I may receive compensation from other sources. All opinions are my own.