Sometimes working at home doesn’t always go as you plan. Something happens and the money your family needs just isn’t coming in fast enough. How do you decide when it’s time to look at an outside the home job?

money trouble working at home

This is a painful decision for any at home parent. You generally want to be at home. Working outside it probably doesn’t appeal to you the way the work you do at home does. But when your family needs the money it’s an option you need to consider.

Perhaps one of the biggest causes for this can be the layoff of your spouse. There’s some of that going around right now. I should know; my husband was laid off earlier this year, and the financial hit was huge to our family, even with unemployment. After all, there’s the COBRA coverage for our health insurance to consider.

It can be a challenge making this kind of decision, but there are some ways to do it. One is to look at finding a job in the evening, so that you can always be sure that one parent is at home with the kids still. It makes quite the mess of your time together, but when money is tight you do have to look at the sacrifices necessary to keep your family going.

The other option, if your children are in school, is to work outside the home during school hours. This gives you a bit more time with your spouse, which is a nice benefit.

The trouble with these options that is that you will probably have to sacrifice a big piece of your at home work time. As a rule I do not recommend giving up entirely on working from home. Taking on an outside the home job may slow your progress at home, but giving up stops it.

Never give up if you think you can do it. Find a way to make it work.

There are options to working outside the home, of course. You can expand what you do to earn money from home. Take on more clients. Start freelancing if you aren’t already. Look at a new work at home job. Figure out ways to expand your current business.

None of that is easy, of course. There’s a lot you have to do in order to succeed. Work at home jobs take time to find. Clients may be hard to find. You may not have the time in your schedule to expand your efforts.

But if it comes down to it, work outside the home. That your family has a place to live and enough to eat should always be your first priority, not your pride in being able to be there for your family by working at home. You can come back to it when things get better.

Do not forget to take the expenses of working outside the home into consideration. How’s your work wardrobe? How far do you want to drive? Will you need daycare?

The early days can set your finances back a little, but so long as working outside the home is a sufficient net benefit you can do it.