Have you ever heard of an actuary? In the past, it was used to describe a person who analyzes statistics in order to calculate risks and premiums for insurance companies. However, the job title has expanded to include many more industries that can benefit from data mining and economic forecasting. If you have a degree in mathematics, finance or statistics, look into getting your license through Casualty Actuarial Society (CAS) or Society of Actuaries (SOA).
Not to mention that many full-time moms feel a bit trapped in the house and end up with memberships to playspaces, classes, activities, or cultural institutions like museums or zoos that they likely wouldn’t have sprung for if they’d been working. Yes, these things are completely optional, and if you’re focusing on frugality above all else you’ll find free things to do with your kids. But after-work drinks and work clothes that you can’t or don’t wear on the weekends (unless you wear a uniform) are optional too. To assume that people will spend rather mindlessly on, say, eating every working lunch out but suddenly curb all their excess spending in the name of frugality if they’re staying at home is . . . optimistic, I think.
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Thanks to Dr. Mom for clarifying the situation for medical doctors. It’s true that self-employed people used to be excluded from the EI system, including the maternity benefits. The government recently introduced new rules so that since January 2011, self-employed people are now able to choose to contribute to the EI system and so receive the same maternity benefits as other working moms – see the government website for more details: http://www.servicecanada.gc.ca/eng/sc/ei/sew/index.shtml I am not sure how this is playing out in hospitals to change the culture there, perhaps the results of these new rules will only become apparent in a number of years.
But the truth is that we are also different, and we like to keep it that way. It’s not just that we drink Tim Horton’s rather than Starbucks (although we do), or that curling is our favorite Olympic sport. It goes deeper than that. Life for mothers and families really is easier in Canada in a number of ways. As a Canadian mother of three young children, I’d like to share my top nine:

Great post Carly! I am in the same boat without as you with going back to work after having a baby. My husband and I decided it’s best that I stay home. I am blogging as well and hope to contribute to my family financially as well. ITs so nice to hear of someone’s success blogging so close to home (I’m from Saskatchewan) it gives me the fire to keep keep going!


This would include a vehicle, maintenance, gasoline, car insurance, etc. To make it easier to calculate for this example, I am going to just use the $0.345 a mile that the government allowed as a mileage reimbursement at the time I was working. (Currently, this mileage reimbursement is over 50c a mile). I drove 5 miles everyday to drop the kids off at daycare, 6.5 miles from daycare to work, and back again, every day. This would be 23 miles a day, 20 days a month. Total 460 miles per month, or about $160.
I started out earning a side income with photography.  All I did was build up a portfolio taking pictures of models (usually good-looking friends and family members who modeled for me) and then I started a cheap website on Squarespace to list my photography services.  The phone didn’t ring often, but I got a few gigs each year ranging from $100 to $2,000 to shoot weddings, engagement photos, senior pictures, corporate events, etc.
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.
See Picture 1 for samples of sizes. Wetbags come in many different sizes, and different makers may have different dimensions. As a rule of thumb, a mini or xs will fit wipes that are predampened with water or wipe solution for outings. A small wetbag fits 2-3 diapers, a medium fits 4-6, and a large fits 10-12. Some companies even have an XL. Pail liners are also available, and these are large enough to go in a 40 liter garbage can for putting dirty diapers in before they go through their wash routine.
Flexible spending (dependent-care) accounts offered by many employers allow employees to set aside up to $5,000 of income before taxes annually to pay for child care. Higher-bracket couples can save up to $150 monthly in federal/local income tax, and FICA deductions versus paying with after-tax funds. Even without such accounts, the federal child-care credit can save (per child, up to two children) higher-income families about $50 per month and lower-income families up to $1,050 annually. Note: You can choose only one of these two methods each year. (To find out more, see Money Saving Year-End Tax Tips and How can I use a child tax credit?)
Since naptime is when many moms are tempted to cram in everything on their to-do list -- dishwashing, playdate schedules, laundry -- try to stay focused. "If you were working outside the home, you wouldn't be concerned with anything but work," says Durst. Concentrate only on the things you can't do when your child is awake. Aside from naptime, if you're a morning person, use the wee hours to get stuff done before the rest of the family wakes up. A night owl? Burn the midnight oil.
     Pink Lemonade Shop, my favorite place for handmade reusable pads, is owned and sewn by Pink Lemonade Sue! She makes pads in all sizes, absorbencies and materials including cotton, synthetic, velour and even silk! Pad sizes range from post-partum to thong liners and teens. Visit the Pink Lemonade Shop to see what’s in-stock and read my Pink Lemonade Shop review to see pads compared to disposables.
I am a stay at home mom of a 6 month old boy. I had to quit my fulltime job 2 years before I even got pregnant due to health issues. I decided to continue to use my college education and passions to bring in extra income. I became a Pampered Chef Consultant to help other busy women and men learn how to make quick and healthy meals. I am a Personal Trainer by profession so I also train clients in my home. I do photography sessions occasionally and I now babysit occasionally in my home! God is good. He provides when we give him our talents!
Putting a price tag on a priceless job is hard to do, but we gave it a shot anyway. On Mother’s Day, Salary.com, the leader in compensation data, planning and analytics, would like to honor all the Moms out there who work their hardest day-in and day-out. We would like to recognize both professional and stay-at-home Moms on their unwavering dedication to their families and other responsibilities.
The great thing is there is full training & support, it’s not MLM and there is no cold calling or stocking products. It’s in the personal Development industry and developing my personal growth is not just beneficial to me, it’s helping my husband and children have a different and very positive perspective on life – how wonderful to incorporate this into your family teachings!
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I freelance a bit, along with doing some VA (virtual assistant) work for other bloggers. I also earn a bit with sponsored posts, affiliate sales, and advertising on my blog. I have also self-published a book, Intentional Marriage, and create printables which I sell in my shop. – Crystal at Serving Joyfully (Shannon here! Crystal is one of several VAs that I work with to help me with the blog. She is an absolute wiz with graphics and is responsible for many of the pretty images you see here on Affording Motherhood.)
Let me first start out by saying that my heart goes out to you if you are a single parent who has little if any choice as to whether or not you can afford to be a stay at home parent. Sadly, with half of all marriages ending in divorce (many caused by disagreements over those little pieces of paper we refer to as "money"), my heart is going out to a lot of people.
Customer Service, Travel Rewards – Intelenet Global Services is hiring Customer Service Agents to answer incoming calls from card members who want to redeem their reward points to book trips. Calls include providing travel options (air, hotel and car), booking travel, assisting with navigation of the travel website, cancelling trips, etc. Afternoon shift, comprehensive benefits for full-time employees.
You noticed in my example that by me working, it put us in a higher income tax bracket. Keep in mind, when figuring your cost of working, that some people qualify for the Earned Income Tax Credit. Often, when mommy goes back to work, the family no longer qualifies for this substantial credit. So, if you are one of these people, make sure you factor in the loss of this benefit as well.
My advice would to try and have their day as structured as possible. Kids thrive on routine. They want to know/need to know what is expected of them and when. Make sure you take the time to spend with them also … that is the whole point, after all, right? I would also recommend making sure you know what your priorities are and focusing on them. Personally, my house is low on my priority list so it gets the least amount of attention. If I have a break from work I don’t want to spend it cleaning I want to spend it playing a game with the kids or getting them and me outside for some fresh air. – Summer Price

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.


True, you can drop about $500-$600 to set your nursery up for cloth diapers, especially if you're buying brand-new pocket, one-size, or AIO styles. But Odom estimates the average cost of disposable diapers for two years at more than $1,400—and that figure is higher if your child potty trains later than age 2, or if you buy premium-priced, eco-friendly diapers.
I’m a homeschooling mom with one still in the homeschool nest (14) and one commuting as a sophomore in college. I have been a freelance proofreader for university presses since 1994; I teach World and Comparative Lit at a homeschool co-op; and began a Plexus business for weight loss in January of this year for only $34.95 (I’ve lost 16.5 pounds and feel better than I have in years!).  Jenni Rom at Plexus
According to the Center for American Progress (CAP), the average annual cost to have two children in a child care center is nearly $18,000. Where I live in Los Angeles, that number can easily double. And the costs keep rising at a rate of insanity—child care expenses have jumped almost twice as fast as inflation since 2009, according to data from the Department of Labor. When weighing the costs alongside with one’s wages, some families conclude that having one parent leave the workforce to stay home with the kids makes plain financial sense.
Take your double income and subtract the figure you calculated in step 3 (the cost of working). Now compare that number to your spouse’s single income. If the numbers are worlds away from each other, you might not be able to make it work. If they are closer together, staying at home to raise your children might be feasible, with some slight lifestyle adjustments.

Neiman Marcus is hiring work at home customer service in Texas. These are part-time, seasonal work at home positions. You must have your own PC, reliable high-speed Internet, and Windows 7 or higher. From the company: "The Seasonal Customer Care Phone Associate provides exceptional service and sales support to customers shopping through our catalog and … Read More
Know your tax situation. Taxes can make a big difference in your overall financial picture. So don't underestimate the value of tax breaks -- for dependents, for childcare costs, your home, etc. -- and how your tax bracket will affect things (if one person stays home, you may drop a bracket). Want to get a sense of where you stand? Here's a good calculator for estimating your taxes: http://www.dinkytown.net/java/Tax1040.html
Sadly we had a few family emergencies that did not allow me to fully focus on advertising and taking care of my shop. And after having a C-section it was difficult as well. My advise to you is go for it, if you have any artistc/crafty talent than etsy is right for you. Choose your Etsy store name wisely because you can only change it once or twice, and let it represent your shop. Also be very patient, not every month is busy I have had months where nothing sells and one time I sold about $590. Also make sure you have the space to work because it does get messy. And at first you will invest on materials. And lastly be very informed about shipping prices. I began using FeDex, their customer serivice is great but pricy there were time I would ship pinatas and it would cost way more than what they paid me, so I would make like $10 or less. So I came to the conclusion that USPS was the best, its way cheaper so its easier to estimate prices and if you go over budget you only put a few dollars rather than the whole sale, but their customer service isn’t that great.
Their training is done online and is self-paced. You could finish the program in 4 months but 6 months is probably more realistic. They do however give you up to a year to get it all done. Their program is approved by the American Health Information Management Association and the American Academy of Professional Coders. They work specifically with a company called IOD inc. that hires their grads to work from home right out of the program.

This group is for those looking for work at home jobs or work at home businesses. We have information on how to avoid work at home scams and how to find the right work at home opportunity for you! This group is here to help Moms find their perfect work at home opportunity! Please read the post below entitled "Welcome to the WAHM Community! READ THIS POST FIRST" so you know what is allowed in this community if you have your own business and if you are looking some key things to look over. Welcome and please don't hesitate to ask if you have any questions!
     HumBird WAHm shop is run out of Germany by owner Dawn. From her home she ships worldwide at an amazing rate. I get items from her faster then things arrive from the USA! She makes the best overnight diaper on the market, hybrid fitted cloth diapers, wool diaper covers, mama wool, women’s leggings that put lularoe to shame, and all sorts of custom children’s clothing and goodies. Visit HumBird’s website to see what’s in stock and get the best overnight diapers available!
Thanks so much for quoting me about including my 8-year-old daughter in my Barefoot Books business – there are so many benefits to being a Barefoot Books Ambassador beyond the extra money, and I love the lessons on customer service and managing money that my daughter is learning, not to mention all the wonderful books she is exposed to! Anyone who would like more information about this great opportunity can feel free to contact me or check out the info on our website: http://bit.ly/1CvrG4L
As for the parents desperate to toilet train their cloth-diaper-wearing toddler: many children who wear cloth diapers do prefer the toilet to a wet or soiled diaper, learning at a younger age than those who wear super-absorbant disposables.  Some children, however, mature into this developmental stage a bit later.  Unfortunately, there are no promises in childhood!
I have only ever been a receptionist prior to having kids and have been out of the work force for almost 6 years. I desperately want to stay home, especially considering how much it costs for daycare these days, knowing I would have to pay out more than I could possibly make. I’m not good at sales, and I don’t feel too good at anything these days except for being a mom. You know how it goes your constantly on the go with one at school and one walking and climbing everywhere you never have time for yourself and when you get a minute to breathe your being told you have a full time job but it’s not work because you are not bringing in any money… So I guess is there anything out there that anyone can recommend for me to try from home? I’m no good at writing or blogging either, I’m actually not even on a computer much but even if I could make $20 a day something to contribute financially so I don’t feel so worthless right now. Any help or suggestions would be greatly appreciated:).
This is significant because, for four decades, women's labor participation rates consistently climbed, from 40.8% in 1970 to 57.5% in 2000. The phenomenon caused profound changes in American family, culture, and economy. The shift in direction has some people wondering whether or not the sexual revolution at work is over and what may have caused the change.
I disagree for this simplicity method. I’ve tried all cloth diapers, too. By far, prefolds and covers are simplest. Simply stick in a prefold and snap. That is by far the easiest you’re going to get with cloth, otherwise, you’re always stuffing, unstuffing, looking for stuffing. Prefolds and covers with snaps will never let you down. Need extra coverage? Grab another prefold. Done.
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I was a virtual assistant for awhile. I was in Real Estate but decided it wasn’t for me because I was out and never home. I decided to start a Real Estate Virtual Assistant business and let all my Real Estate friends know about it. I was hired by a property manager and did all the work at home and got some work from other agents but then they started getting greedy and tried to lower my prices or get free work from me. I was making $15 an hour from the property manager (I was only inputting receipts and I’d update the MLS listings or put in new listings for her and answer calls for her) but then she decided she wanted to pay me $30 per month to do what I was doing plus show the rentals to prospective tenants (showings could last up to an hour per person..sometimes she got non stop calls about some houses)and deposit all the rental money (that takes hours because there were several different banks she’d have to go to)….I said No way and decided that business wasn’t for me. It’s not really hard to get into but be tough and stick to your prices and don’t get your business from friends (like I did) because then they expect you to give them a break.
Let me first start out by saying that my heart goes out to you if you are a single parent who has little if any choice as to whether or not you can afford to be a stay at home parent. Sadly, with half of all marriages ending in divorce (many caused by disagreements over those little pieces of paper we refer to as "money"), my heart is going out to a lot of people.
Living on one salary was hard at first, McCoy says. She followed a strict food budget for her family of three and cut expenses across the board, especially for entertainment. McCoy made a project out of planning family outings that didn't cost any money. "We'd look for free museum days or interesting factory tours, or we'd find a park we'd never visited before," she says. "We focused on being together."
This is much easier than you may think. I follow Bum Genius recommendations (see numbers 9-16) http://www.bumgenius.com/help.php (Stripping is outlined below) since most of my diaper stash is made up of these. Check with your diaper brand though for their recommendation. Also, lots of moms have suggestions about this process. It is sometimes a controversial process over what to use and what not to use! Some moms will say not to use Dawn since it can void your washer warranty, so please be aware of this! 

Wow thank you so much for this article, I am a single father with 3 under 4 and I’ve been trying to find something for months along the lines of what you have posted here I truly understand the hardship single mothers in general face because I myself am going through that hardship right now. I think you may have just helped better mine and my children’s lives with this and I am eternally greatful.
Going to work may be the way many women make a living, but if staying home to work sounds good to you, you're not alone: About 21 percent of employed adults did some or all of their job at home, according to the U.S. Bureau of Labor Statistics. Considering becoming a work-at-home mom (WAHM) yourself? First, heed the advice of moms and experts who have learned the best ways to navigate life at the intersection of WAHM-ing and Mom-ing.
Flexible spending (dependent-care) accounts offered by many employers allow employees to set aside up to $5,000 of income before taxes annually to pay for child care. Higher-bracket couples can save up to $150 monthly in federal/local income tax, and FICA deductions versus paying with after-tax funds. Even without such accounts, the federal child-care credit can save (per child, up to two children) higher-income families about $50 per month and lower-income families up to $1,050 annually. Note: You can choose only one of these two methods each year. (To find out more, see Money Saving Year-End Tax Tips and How can I use a child tax credit?)
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