The first time was fair; before I left my job wasn’t nearly busy enough, and while I was on leave, they lost a significant contract. My boss was also an accountant and able to fill the void. Even though he was able to provide me with more than adequate notice, he also gave me a few weeks of severance pay, which was more than he was required to do. The second time, I could have taken my employer to the Labour Board, but to what end? That would have meant no severance package, no reference and could have led to a very negative professional reputation. It was too risky for me, even though I felt like I was letting them get away with it.
Working full-time at home isn’t for the faint of heart. It requires focus, discipline, motivation, and an ability to fight through the day-to-day isolation. It takes a certain personality to love it and thrive at it. But of the work-at-home warriors out there, there is a select group of which I am constantly in awe. Work-at-home moms who are also caring for young children full time. These are the parents who are genuinely trying to “have it all,” all at once, difficulties or not.
The fact is, cloth diapers do require more work than simply tossing a disposable into the trash, and they aren't the right choice for every family. But thanks to progress in modern tush-covering technology, they may make more sense for yours than you realize. Read our modern mom's primer for cloth diapering—you might just be inspired to give an old-fashioned choice a new look.

I can’t work at home very well with my kids here, even with my husband watching them. The older boys aren’t an issue because they’ve been trained to behave when I’m WFH but the little guy has a ways to go. So I only WFH under extreme circumstances, or when I’m sick. I definitely feel like I take the easier way out by working in an office instead of trying to get stuff done at home!
We make and sell natural products, including magnesium lotion, herbal salves, lotion bars, herbal bath salts and we’ll soon be adding spice mixes and teas! Justyn at Real Traditions and Creative Christian Mama (A note from Shannon: The magnesium lotion is the first “natural deodorant” I’ve used that actually works! Plus, it helps me (and my kids) fall asleep when we’re having a restless night. It rocks!)
If you choose to use just pockets (which is all you may need along with wipes and a wetbag), you will need about 24-36 to launder for the young baby stage, and about 12-15 by the toddler stage. I suggest 36 because if your baby wears about 12 diapers a day and if you wash every other day, you will always have at least 12 clean ones on hand and ready to go. Having more on hand is also better for weekend trips away.
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Be honest. When you think of work-from-home jobs, what comes to mind? Data entry? Customer service? While it’s true that some jobs just scream “work from home,” you might be amazed by the number of industries that offer flex-friendly positions. Although there are work-from-home jobs in practically every industry, the top fields for flexible jobs are medical and health, HR and recruiting, computer and IT, and education and training, as well as accounting and finance, government, and travel and hospitality.
Then there's the childcare expense: If you stay home, you won't be paying for daycare, regular babysitters, or nannies. (If you're expecting your first child and don't know the going rate for daycare in your area, do some research so you'll have a good idea of how much it costs.) If you have older children, staying home may mean that your family spends less on after-school activities and summer camps.
Third, I needed support. We all need support! And sometimes that support means my (awesome) hubby sprays the diapers while I’m still putting the baby to bed. Or sometimes it means he knows I’m doing diaper laundry that night, so he’ll dump in most of the diapers and fill the prewash but leave it open so I can just throw in the poopy diapers after I spray them. Sometimes support comes in the form of older siblings helping you stuff diapers or having a mom or mother in law who loves you enough to put diapers away when they come to babysit for the evening. Having the support of your family, whether immediate or extended, is important for any big parenting decision- cloth included.
Elaine Turner Elite has new openings for their national network of personal stylists who represent the brand and earn up to 25% sales commission. Designer brand, Elaine Turner creates exclusive apparel, handbags, shoes and jewelry for women who appreciate quality and comfort at an accessible luxury price point. Their mission is to make women “Feel Beautiful Inside and Out”. Elite Stylists have the ability to create their own flexible schedule and are provided with tools, samples and support to reach their goals. Stylists connect with clients via one-on-one styling sessions, trunk shows and philanthropy events. Stylists can also style and sell virtually through our new “try before you buy” box service. To apply for a position in your area, visit Elaine Turner Elite.
Unfortunately, many moms feel powerless because they can’t find legitimate work-from-home opportunities and sometimes fall victim to Tupperware, handbag, cosmetics or other “parties” that usually charge you a lot of money up front to start selling and rarely result in the success you want.  Or, businesses that want you to pay thousands of dollars to get a “certificate in medical billing,” or “secret shopper” scams.  Certainly these can be completely legitimate, but all too often it ends up costing the person more money than they ever earn.
I’m not much of an expert on this but a 2011 article by Jasmine Budak in Canadian Business magazine stated that: “Today, the year-long mat leave is standard practice, while parental perks such as salary top-ups, extra health benefits and flextime options have become commonplace expectations, especially among the generation Y.” If Canadian employers are truly starting to come to terms with modern expectations and to offer responsive policies, that’s great news for parents in Canada.

So for the moms out there who do all that but want or need to earn some cash, don't lose hope. There are some jobs out there that will allow you to do it all. Being a working mom isn't easy (and the same should be said for stay-at-home-moms), but with the right job that accommodates your schedule, it can be rewarding — for your family but, more importantly, for you.
Hosting exchange students- It’s not really considered income, but rather reimbursement for expenses, but caring for a teenager from another country has been a really rewarding experience for our whole family, and my 3-yr-old son proudly talks about his 2 Japanese “sisters”. I think this opportunity must only be taken on with genuine interest and care for the students, but the rate we are reimbursed definitely provides extra income for our family which allows me to stay at home and be a “Mom” to one more.

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In today’s world, everyone is looking for data.  Companies are spending a fortune to learn what things matter to consumers and what things don’t.  The benefits of this “big data” enlightenment are numerous.  Companies can now design products that meet your needs better than ever before.  Hotel chains are designing hotels with your preferences in mind so you don’t have to pay for features you don’t care about.  One big benefit for you is that research companies are dying to know what you think, and they’re wiling to pay you to find out.
It's important to line up your day carefully, with set "office" hours. How many hours do you hope to work that day? When will you return calls? What can you accomplish while your son or daughter is coloring in the next room? You'll get more done if you work smarter, not harder, says Christine Durst, a mom of two in Woodstock, Connecticut, and cofounder of ratracerebellion.com, a site that helps people find work-at-home jobs. That said, one of the best benefits of working at home is flexibility, especially if you are your own boss. If your son or daughter is fussing during your office hours and it's a beautiful day, it's okay to push assignments aside and go to the park. You can catch up on work later when your cutie has settled down.
This calculator will add up all of the expenses and taxes that you are paying just to keep your job, and then calculate the net effects of eliminating those expenses and taxes by quitting work to become a stay at home parent. The calculated results include a Printer Friendly Report button so you can print out your entries and results for later reference.

A recent study found that the benefits of having a parent at home extend beyond the early years of a child's life. In the study, the educational performance of 68,000 children was measured. They found an increase in school performance all the way to high school-aged children. The biggest educational impact in their research was found on kids ages 6-7.
"The idea of having her commute to our home office to do customer service didn't make sense," Akerson said. "It was sort of accidental that we hired a parent. It was a blessing to both of us that it was part-time though. Since the company was just starting out, we didn’t have the revenue to justify much in payroll yet, and as a mother of three, she did not want full-time work."

Great list Whitney! Another great option is Amazon FBA (Fulfillment By Amazon) There are apps (like Profit Bandit) that will allow you to scan the barcodes of clearance items at local stores and know instantly if the item can be sold for a profit on Amazon. The beauty of FBA is you simply ship all of the items at once to Amazon and they handle picking, packing and shipping your items when they sell so you can get back to being a mom 🙂 I know three people that make a legitimate six-figure income doing this from home.


Something that all of these calculators fail to look at is school expenses for the parents. I’m thirty-something (remember that show?), in college for the first time ever, and the proud papa of a school-aged child and a one year old. Not only do I lose money not working, but I then have to pay for daycare and after school stuff because I’m in school. Perhaps there should be a calculator that takes into account the soccer-mom running around (time/gas/wear), school costs not covered by federal money, and the need for things you can’t necessarily afford. Lawn care is an example of the last point. 12 class hours plus three hours of study per credit hour equals 48 hours devoted to school plus time spent driving. You can afford to mow yourself but there’s simply not time. Where’s the money for that, I wonder? 

Stella & Dot – Run your own fashion social selling business. Stella & Dot is so much more than a fashion brand – we are inspired by, and created for, strong women just like you! We designed a smart, stylish business that works when you do. Plus, Stella & Dot is more than just a company – it's a community. At Stella & Dot, success is defined by your happiness. It’s your business, your pace, your way. 

To wrap up, I asked these mamas what advice they would give to other parents considering this tightrope act of a lifestyle. They had some incredible advice, and I tried to pick out what I found the most helpful here. The biggest takeaway? This lifestyle won’t work for everyone. You have to be aware of your personality and limitations, your parenting style, and the help you’ll have from your spouse or part-time outside sources. It isn’t easy, but it can be worth it!
The first step in cloth diapering as a working parent is to either find a child care provider that allows cloth diapers or ask your current child care provider if they are willing to use them.  My son goes to a center and I never thought they would allow cloth diapers until a friend encouraged me to just ask.  I did and sure enough there were two other families there cloth diapering already. 

This is great, thank you! We are having our first little one in May and I’ll be staying home with the baby after that because it’s really important to both of us, and I’ve been looking for some legit opportunities to still be able to contribute to our income. This list is really helpful and definitely gives me hope that I can find something in a few months when we have a schedule again!
Nyla and Noelle – Run your own fashion empire from home. Clothing is the hottest new trend in social selling, and you can get in on the ground floor. We are a boutique clothing and jewelry direct sales company. Our fun and fashionable clothing is offered only through our Curators who sell socially from in-home parties, local events, and online through social media. Our Curators purchase a POP box of inventory to get started. After receiving their POP box our Curators choose every style and color of clothing they receive from our always rotating selections. We offer many truly boutique styles from BOHO chic, western chic, casual basics, dressy clothes, and high-end boutique items. We offer sizes S-3XL. Our Curators enjoy a generous profit margin.  

Be sure to factor in the long-range effects of stepping out of the workforce. Economists estimate that once you add up lost employment benefits over a lifetime, staying at home could cost several hundred thousand to a million dollars. These include accrued social security and, depending on your job, other financial benefits such as matching 401(k) contributions or a pension.
Seven years ago, before I had children, I taught music full-time at a conservatory. I had 47 students. I left the conservatory when I had my first baby, and now I teach piano lessons in my home part-time during the day. I have four little ones, and the piano moms and dads babysit for me while I teach their children. In return, they get a discount on lessons.
Enter the annual cost to drive your own car to and from work. Or, if you want the calculator to figure your annual mileage cost, expand the description and enter the work-related miles you drive each work day (be sure to include any miles driven to and from lunch). The calculator will calculate your monthly cost at 55-cents per mile (IRS deductible mileage expense) at 52 weeks per year. Finally, if quitting work will allow you to sell the car, then instead of entering the miles per workday, simply enter the savings per period (car payment, insurance, gasoline, etc.) and select the corresponding period. Be sure you leave the unwanted calculation field blank in the expanded calculator.
The traditional mom jobs consists of the following: housekeeper, cook, day care center teacher, facilities manager, computer operator, psychologist, janitor, van driver, laundry machine operator, chief executive officer, bookkeeper, event planner, general maintenance worker, groundskeepers, interior design, logistics analyst, nutritionist, plumber and staff nurse.
What’s even more fantastic is that it’s rubbing off on the kids growing up in these blogger homes. We have a whole new generation of young bloggers coming online every day. While some opportunities are only open to those 18 years of age or older, others only require parental consent. And PayPal accommodates minors to help take care of those blogging expenses and income. Student Accounts are available to those 13 years of age or older.
The gender wage gap is real, and it increases when women become moms. Taking time off to care for your children can have a big long term impact on your lifelong earnings and retirement savings. But deciding to put your kids in childcare so you can work isn’t the clear winner here either. The annual cost of childcare for one child is more than the price of tuition at some colleges. And don’t even get us started on the giant dose of mom judgment that gets dished out when people hear you’re “letting a stranger raise your baby.”
Those outcomes are exacerbated by women’s disproportionate dependence on Social Security benefits. As a result of low private asset accumulation and inadequate or absent supplementary pension coverage, on average, nonmarried women over 65 rely on Social Security for 72 percent of their retirement income. Forty percent of that group rely on Social Security for 90 percent or more of their retirement income.
2) Mrs. Hwang’s future social security payments would be higher if she continues to work since income generation drives projected social security benefits. After consulting with a number of specialists, potential “game changers” in social security render calculations too tentative. However, one projection I ran indicated Mrs. Hwang could receive approx. $18,600 per year in retirement (agg 67 to the end of life) if she works, but only half that amount per year if she remains a stay-at-home parent (note: this does not include some build up in credits for work done from e.g. age 30-38). Since social security works like an inflating fixed annuity, missed dollars obviously have an impact on Mrs. Hwang’s cash flow through her projected 25+ years of retirement.

We live in Toronto, which is basically the golden city for everyone (or at least it was) - everyone comes here to make it in Canada. The bad part of that is that literally Toronto is becoming more and more expensive and job availability for someone who hasn't finished their bachelors yet is very scarce. The jobs that I do qualify for are either after 5pm or weekends which won't do because there is no one else to be with my daughter, or they are too far away for us...
Some never would have crossed my mind. (a Pinterest consultant? How cool is that?) Some direct marketing opportunities I’ve never heard of before. (Zija anyone?) There are even a couple of single moms supporting their families with their work at home jobs. And what’s more is that they’re carving out a space to chase their own dreams even while raising little ones. 

Hi, Im 5 months pregnant. Im due in July. I recently started my job at Food4less about a month ago. and they just fired me because I am “Not Fit” for the position. I still can’t get over the fact that I got Fired so soon. Well Depending on one income isn’t enough. The most i’m trying to do is get a stay at home job. I am not very creative at all :( But with my retail and customer experience I would hope to find one. I am also great with typing atleast 80 words per min.

In her book Miserly Moms [my review], Jonni McCoy notes that frequently there's no financial advantage for both parents to continue working. Between the cost of childcare and the cost of working (food, transportation, clothing, etc.), the second salary in the family is effectively negated. But how can you know if you're one of those couples that can afford for one parent to remain at home?
I got started with Amazon Associates in 2011.  I signed up for an account (which takes less than 5 minutes) and earned my first commission my first week.  I also started a blog about a hobby of mine, and posted my Amazon affiliate links on the blog.  I earned a very small income the first month, but I’ve stuck with it and now earn about $6,000 per month by placing Amazon Associates links on my websites.
I am an Artist based on Melbourne, Victoria, Australia. I do customised artwork’s for home and businesses. As a fulltime mother and a responsible housewife my work is a great place for me for space and freedom and definitely for my satisfaction. I like to do painting and I really when my artwork’s beautifies and fulfils other’s house and places. recently I invited to work with Summer foundation to paint for disable people and the money earned for artwork’s will be spent to help the helpless people. I am really happy my artwork’s are using for helping people.

This calculator will add up all of the expenses and taxes that you are paying just to keep your job, and then calculate the net effects of eliminating those expenses and taxes by quitting work to become a stay at home parent. The calculated results include a Printer Friendly Report button so you can print out your entries and results for later reference.
I cannot thank you enough for the info you provided! I went back to work before my son turned 4. Now he’s 12 & I feel like I’ve missed out on so many summers & just time together because I’m working 5 days a week. I plan to take a serious look at the opportunities you listed and hopefully I can find a way to stay home and still earn an income. Plus, I drive 60 miles a day, saving almost $300 a month in gas alone would go a long way! Thank you, thank you, thank you!

You may think working at home means you can skip child care, but you'll have days when you need help -- and that's okay. When Jonas was about 6 months old, O'Donnell hired a responsible high-school student to watch him two or three hours two days a week. The teenager charged half of what an adult sitter or day care would, and it meant O'Donnell could concentrate on answering e-mails and returning phone calls.

In college I earned a good amount of money by flipping our car.  I took the old beat up piece of junk car we already owned and listed it on Craigslist for about $800 more than I thought it was worth.  It took a while to sell at the higher price, but it eventually did!  Then I bought another car with the additional $800.  I flipped my car about 4 times per year (my state only allows 5 sales per year before you have to be a dealer) and each time rolled the earnings into a new car.  Eventually we had a much better car and it hadn’t cost us a dime.
Enter the annual cost to drive your own car to and from work. Or, if you want the calculator to figure your annual mileage cost, expand the description and enter the work-related miles you drive each work day (be sure to include any miles driven to and from lunch). The calculator will calculate your monthly cost at 55-cents per mile (IRS deductible mileage expense) at 52 weeks per year. Finally, if quitting work will allow you to sell the car, then instead of entering the miles per workday, simply enter the savings per period (car payment, insurance, gasoline, etc.) and select the corresponding period. Be sure you leave the unwanted calculation field blank in the expanded calculator.
I’m not much of an expert on this but a 2011 article by Jasmine Budak in Canadian Business magazine stated that: “Today, the year-long mat leave is standard practice, while parental perks such as salary top-ups, extra health benefits and flextime options have become commonplace expectations, especially among the generation Y.” If Canadian employers are truly starting to come to terms with modern expectations and to offer responsive policies, that’s great news for parents in Canada.
You can find index funds through most banks (just make sure they charge less than 1% fees), or through online sites like Vanguard.com.  Pick an index fund or ETF with a long track record and set it up to automatically take $170 per month from your bank account.  Just let it sit and do not touch it for any reason!  You’re guaranteed to see the money fluctuate up and down but do not touch it!   If you just leave it alone for years and keep adding to it each month, you’re pretty likely to end up with substantial wealth.
Let's face it: it can be difficult to stay a stay at home mom and live off of one-income in a two-income society. Add to that the extra expenses that a new baby brings to the family, and it can be very tempting to have mom get a job for the extra income. After all, it seems hard to find ways to cut expenses; wouldn't it just be easier to make more money?
Ambassadors can sell and advertise how they like when they like and are free to make decisions that best fit their lifestyles – ranging from a few hours a week to a full-time job (bringing in a salary that matches)! In addition to being family-friendly, Barefoot Books often actively involves children in the process. “My daughter is truly my partner in my Barefoot Books business…we set goals together, I pay her a commission on sales she makes, we celebrate success together – usually with her favorite dinner of burritos! We make a great team!” stated Liz Hughes, a Barefoot Ambassador since 2010. Our mission concisely affirms not only our goals but also how we operate: “Connect families. Share stories. Inspire children.”
This one can be very tricky. If you are a single parent and have decided to receive social assistance, they do not allow you to collect assistance if you choose to go to school and take out ANY kind of student loan, part-time or full-time to cover the cost of your schooling. If you had some money in savings, social assistance used to force you live on that until you had no savings left, I'm not sure if they still maintain that policy.

Hi Patrick, thanks for the comment. You can start by looking in to some opportunities listed on this post. Then, you may want to set up a professional website for yourself to market your services. If you have experience in a particular field, you can start yourself to potential clients. If you don’t have any experience, you may want to do a few jobs for free to build up enough experience to improve your chances of getting hired. Good luck!
Good news for stay-at-home moms knee-deep in diapers and temper tantrums. Two studies state you being home with your children during those early stages is better for your kids than them being in childcare full-time. The studies from the National Institute of Child Health and Human Development and the Institute of Child Development of the University of Minnesota found that children who spend a large amount of their day in daycare experienced higher stress levels and aggression as opposed to those who stayed home. Follow-up research seven years after the original study confirmed those findings still held true.
Those outcomes are exacerbated by women’s disproportionate dependence on Social Security benefits. As a result of low private asset accumulation and inadequate or absent supplementary pension coverage, on average, nonmarried women over 65 rely on Social Security for 72 percent of their retirement income. Forty percent of that group rely on Social Security for 90 percent or more of their retirement income.
Prefolds: See picture 2. These are sewn in what looks like three panels with the middle panel being thicker. You can put this on a baby in a traditional way or you can fold it in three (trifold) and lay it in a cover like a pad (See picture 4). Either way, this requires a cover. These also come in various sizes from premie, to newborn, and right on up to XL for toddlers.
However, after DS joined us, we found ourselves looking at each other during a vacation at the end of my maternity leave, asking “So . . . who’s going back to work?” We had long been living comfortably on one salary. We were each making about the same amount of money, but I had better benefits, more vacation time, the option to work at home, a flexible schedule, and my job seemed to be a better opportunity than DH’s, so it made more sense for him to become a SAHD.
The game changer for me has been waking up earlier. I wake up at least 2 hours before my kids get up every day and get some work done then. I will also sometimes work after the kids have gone to bed (only if I have to, usually by this point of the day I am completely burned out and just want to relax)… I can also squeeze some work in by sitting at the kitchen table with my laptop while my kids are eating breakfast, lunch or snacks because I know they will be sitting still for a few minutes. I try not to use screen time, but it can be really helpful in a pinch! – Bethany | Mama Finds Her Way
I began blogging publicly a year and a half ago, honing my writing skills, networking, and gathering social media marketing skills. I’m now earning income as a freelance writer (which was my main goal in starting my blog), in addition to a being a content curator and blogger liaise for two companies. I blog at www.lo-wren.com, but you can also find me writing for The Huffington Post, Mamapedia, BlogHer, and Scary Mommy. – Lauren Stevens at www.lo-wren.com
Unfortunately, since most of were taught that "more money and more things" leads to "more happiness," and since we've all been given easy access to credit (allowing us have more things with less upfront money), the financial aspects of quitting work to stay at home must now be considered. Because regardless of how much happier you and the children might be if you could quit work to be a stay at home parent, that happiness can be easily offset by an onslaught of creditors pounding on your door -- all looking for repayment for all the happiness they fronted you in the past.
If you’re in a position to handle more complex tasks, there are both freelance gigs and remote opportunities out there just waiting for you to take advantage of them. This is where you get into contract work – maybe you’re a web designer, so you work for a company or directly with a client to design their website. It doesn’t matter how the job gets done, so long as you hit your deadlines and deliver what you promised. So, again, be honest with yourself and don’t bite off more than you can chew! Income can be more unreliable, depending on work you have lined up.
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