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Second Job Or Work From Home?
One of the biggest worries people have when they decide to be a stay at home parent is how it will impact their finances. "Everyone knows" you need two incomes just to scrape by these days, right? Not necessarily. Depending on your income, number of children and what you spend related to working, you might actually be losing money or doing only a little better than breaking even by having a second income. That second income puts you in a higher tax bracket as well. It is important to be realistic about which expenses will really go down if you become a stay at home parent. You'll probably eat out less often. You won't spend so much on dry cleaning. You'll drive less. Will these items go to zero? Probably not. However, calculating how much money you are actually bringing home to cover expenses not related to working is not always easy. You have to figure out what you would have paid in taxes if you weren't a dual income home. You also need to think about the expenses of being at home. Here's a simple list of typical expenses related to work: State, Local and Federal taxes
Childcare
Commuting (fuel, maintenance, etc.)
Car insurance
Clothing
Eating out
Grooming
Housekeeping help (if used)
Incidentals Add these up as they relate to your job. You can estimate the tax difference just by looking at your withholding, but remember that working is increasing your tax rate, so the difference there may be more than you expect, which is always a good thing. Remember that just because you aren't working outside the home you aren't going to stop driving, buying clothes, eating out or taking care of yourself. These costs will decrease, but when you're looking at whether or not you can really afford to stay at home you want to include these things in your budget or be in for a nasty surprise when the bills come due. It is not uncommon to find that you get less than half or even less than a quarter of your income to help towards non-work expenses by the time you figure it all out. Childcare in particular can be very expensive, as can taxes. Some people find that they are actually losing money by living on two incomes! Now is the time to figure out your budget. This is not a popular activity for most people, but if you want to find a way to be a stay at home parent, you need a solid look at your expenses. Here's a list: Housing (mortgage, rent, property taxes, HOA fees, insurance)
Electricity
Gas
Phone (regular and cell, if relevant)
Cable or satellite television
Internet connection
Water/Sewer
Upkeep
Medical and Dental insurance, other insurance
Car (payments, fuel, maintenance, insurance, registration)
Credit card payments
Clothing
Groceries
Eating out
Family Activities
Personal grooming
Gifts
Emergencies
Savings
Other Try your best to account for all your expenses. Estimate as necessary, and remember many expenses will vary by the time of year. Think about heating bills in winter, for example, as well as birthday and holiday gifts. If these can't be covered by a single income, it's not time to give up on being a stay at home parent yet! First you need to see what can be cut. Do you really need so many channels of television to watch? Cell phone? How often do you really need to eat out? Can you cut back on convenience foods at the grocery store? Still not enough? You might need to find a way to earn money from home. This is really not so difficult as you might think. Legitimate work at home jobs are few and far between for many people, but certainly not impossible to find. Work at home business opportunities are all over the place, from the classic direct sales opportunities to starting a business all on your own. It all depends on your skills, interests and willingness to take a chance. We've found some legitimate companies at http://www.workathomeopportunities4u.com As I mentioned before when i started my hunt of online job opportunities it was very difficult to weed out what was real and what was a scam. I have made this research available for anyone that wants it at... http://www.workathomeopportunities4u.com surprisingly through much research there are some great companies out there hidden amongst the junk
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