Do you want to know what hurts my heart more than almost anything? It’s really a simple answer. I hate when a mom has a desperate desire to stay home with her children but circumstances make it a no go. Whether the reason is financial, emotional, or a spouse who won’t agree this mom is left feeling trapped going to work. I want to say something now before I get a million e-mails, this is not referring to the moms who love to work. I am not judging that at all. However, for a mom who doesn’t want to work, it really can feel like a trap.
I can’t afford it.
- Add up how much you would spend for gas, childcare, work clothes/shoes, lunches for work, lunches for your child at daycare, and the added wear and tear on your vehicle.
- Now add up exactly how much your after-tax income would be.
- Now subtract the costs of working from your income. How much money is left? Is that amount worth going to work for?
- Now take out your budget and list out the necessities for the month. (Not the extras. List those things you think are necessary for you to run a household.) Based on this number can you make it without your income?
- Not enough? Is there anything on that budget that looks like a need but isn’t? Do you need cable or can you cut the cable? Do you need two vehicles or can you drive your spouse to work some days? Do you need to eat out or can you meal plan? Sometimes looking at where you can cut costs can make all the difference.
- If you still can’t survive after doing these things, could you work part-time? Maybe you can’t be a full-time stay at home mom right now but maybe with some of the money-saving strategies, you could decrease to a part-time job.