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.
 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.
Heidi
B. Dietrich
617-905-3946
Email
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