Business Opportunities For Women :
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.
Sincerely,
Walter
Hamilton
walter@pencilthemin.com
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