Thanks so much for this great article. I’ve been trying to get a graphic design business but am having trouble finding business. I’d also love to blog but don’t know where to start. There are so many amazing blogs out there that it’s hard to think I could have anything new to contribute. But my son is 6 months now and it seems like a perfect time to get started…thanks for the ideas and encouragement!
A few notes.  Yes, I have lucked out finding a daycare provider willing to cloth diaper my daughter while I work, as well as a flexible boss who lets me work from home on Fridays, but even without these blessings, my red-headed obstinate personality would have still found a way to make cloth diapering while being a working mother a possibility.  To be honest, I rarely do cloth diaper laundry on Fridays anyway, and several daycare providers who turn their noses up to the "barbaric" practice of cloth diapering might still change their tune if you showed them the variety of modern diapering conveniences, such as hybrid diapers.  I use GroVia Biosoakers to turn my regular AI2 diapers into a super soakable hybrid travel option whenever we are going to be away from our washing machine for extended periods of time.  I have several friends who couldn't convince their daycares to get on board with cloth diapering even with incentives such as additional pay, but caught their interest by introducing the flushable, compostable diaper insert options offered by several of the leading brands such as GroVia, gDiapers, Flip, and so on.  My whole point is that, you do have options, and it is possible to cloth diaper AND be a working mom.  Honestly, beyond getting your daycare provider on board with cloth diapering, I can't see how work really impedes the cloth diapering process much.  In an age of modern cloth diapering conveniences replacing several of the timely, "old-school" methods, cloth diapering to me involves little additional thought or effort than any other article of clothing would.  Where there's a will, there's a way, and I know I have the will.  Do you?
When one of you leaves the workforce, your tax bill will go way down, perhaps even more than you think, because that lost salary was effectively paying taxes in your highest bracket. Let’s say you were making $30,000 a year and that $30,000 pushed you into the 28% bracket by about $20,000. That means your total tax bill from just that one salary was $8,100, or $156 a week.
User Testing hires people to test out websites. Each assignment pays $10/$15 for 20 minutes of work. To become a tester – submit your email address and apply. Testers must take a sample test before receiving any assignments. This gig is open to the US and International residents alike who can receive payments via PayPal. Each test takes about 15 – 20 minutes.
Symbria provides programs, services, and tools to post-acute care providers, including skilled nursing, assisted living, independent living, outpatient, and home health. They occasionally hire data entry clerks to input prescription information; search for the positions “Pharmacy Technician Specialist” or “Prescription Entry Clerk”. Symbria is an employee-owned company.
Posting on Facebook can be a good start, but you’ll likely only earn a few dollars.  But if you start a small blog about the products you want to write about, you could start earning serious money over time.  If you don’t know what to write about, don’t worry.  We have a huge list of over 350 ideas for websites.  Click here to get access to that list.  And if you need help getting your blog started, check out incomeschool.com/new.
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:). 

I used Motherease brand with both of my kids. We used basic flat newborn diapers folded into a one-size Motherease cover for the first couple of months, then switched to Motherease one-size diapers in their covers. As they grew older, we added some Motherease snap-in inserts for extra absorbency. It was a great system for us, grandparents included, and after using them with both kids I sold them for about 1/3 of what I paid for them. The extra laundry just became part of our routine, the diapers and snaps were super durable, and I’m another who really enjoyed seeing the diapers hanging on the line to dry. Looking back I have fond memories of my kids “helping” with diaper laundry, having a picnic under the drying diapers, and knowing that it was the right choice for us.
These are but a few examples of all the possibilities out there to make income for your family even with a babe in arms. I didn’t even touch on becoming a consultant (like a Stitch Fix stylist in certain cities), or starting your own direct-selling business. Still, you should have plenty of ideas now and feel a little less overwhelmed – by finding a remote job, anyway. I can’t do anything about baby worries!
I thought about having an in home before/after school care, but our state apparently has new laws about lead pipes/ paint, etc and all homes that were built before 1978 would have to be inspected. Our home was built in 1940 and I could not afford that inspection. So, that idea went down the commode. I was blessed with a daycare position for the summer that allowed me to bring my children for free and that was huge! Now I am substitute teaching and would love to be home full time again. ( my dh was incarcerated for a year and is ready to come home and make a new start-please pray that the Probation officer allows him to take a job that he has been offered already).

     I met Elizabeth from Purple Unicorn Diapers at a local La Leche League event several years ago and I have nothing but wonderful things to say about her and her shop! Purple Unicorn Diapers featured hybrid cloth diapers and custom clothing items. Handmade in Pennsylvania, Purple Unicorn items are hot trade diapers and custom spots go in a flash! Join her BST and chatter group for orders!


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.


Adelaide, I can tell you right now that you are not incompetent! You used the word “well” and “too” correctly. As an employer, I can’t even count how many applications I’ve filed to the back because of poor grammar! (some of you might be thinking why is she on this site if she has her own business… I don’t want to be at my business, I want to be able to pick up my girls from school!) I market for an online store by referring shoppers, but I can’t replace my income yet. Maybe when my student loans are paid! I’m making that my goal!
‘PalFish is a leading English education platform in China who makes quality English education simple for both teachers and students. Its PalFish Official Kids Course, for students between 3-15 years old, is expanding with a fast speed and more teachers are needed! And some teachers can even earn over $200 in a day by teaching from home! If you are looking for an online ESL job, give it a try and you won’t regret.

A well written article which applies to most ’employed’ (i.e. by employers) women in Canada. A quick mention might have been made referencing self-employed businesswomen (not sure if they pay their own EI and then get it back on “mat leave”) who cannot afford to put rent/hydro/telephone/expenses on hiatus for a year without generating income. A major difference, perhaps, for physicians in Canada is that virtually all are self-employed, even if they are hospital based. No third party employer or HMO paying a salary, so we do not pay into EI and thus receive that automatic $47K, and no one to “top up” to a percentage of former income. One year off for physicians is fairly rare. Hospital-based MD’s have definitely been denied that request or made to feel guilty if begrudgingly agreed to (and that year off remains unpaid, often with colleagues covering your call). Office-based MD’s may hit the jackpot and find a locum MD to cover their practice and expenses but if they cannot, all of those expenses persist with no income generated if patients are not seen. So they too, like the Americans posting here, look enviously upon their “typical employee” friends.


I can totally relate to your situation! It's rather deceiving when OSAP or any other loan money becomes your sole source of income. I was fortunate in that I had a part time job here in Ottawa while I went to school full time (60% course load). I am now having to make payments on my $30,000 worth of student loans and I still have 2.5 credits left to graduate. My husband makes too much money for me to qualify for any loans now, but the reality is, what he makes is just enough for our family to get by.. and nothing to save up to pay for the schooling I have left.
Maybe you just want to get out of the house for a few hours to make some spending money, or get a discount at a store you shop at often. If that's the case, a part-time job in retail could be great for you. The pay isn't necessarily amazing and the job might not be particularly satisfying, but the flexibility and the you time you get could be exactly what you need.
You know when you’re trying to get something done at the office but someone feels the need to just stop by “real quick” to discuss something pointless? How annoying and derailing that is? Well, what if that person was your sick kid and you couldn’t just shuffle them out the door? Not easy, but at least you get to be home to give your child the mommy cuddles they need!
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On the great debate on whether it is best to stay home with your children or to work for a living, I do not think there is a right and wrong answer. This is a decision that each family needs to make for itself. Our family feels that it is best for me to stay home with our children, partly because of the cost of working, but mostly for other reasons. That may not be the same for your family, and that's fine! There is nothing wrong with families who for one reason or another have two working parents, or a single parent who needs to work.


I can totally relate to your situation! It's rather deceiving when OSAP or any other loan money becomes your sole source of income. I was fortunate in that I had a part time job here in Ottawa while I went to school full time (60% course load). I am now having to make payments on my $30,000 worth of student loans and I still have 2.5 credits left to graduate. My husband makes too much money for me to qualify for any loans now, but the reality is, what he makes is just enough for our family to get by.. and nothing to save up to pay for the schooling I have left.
I have a full time job now but I am also pregnant with #3 so I won't be going back. I have a business on the side that I started a while back it is in health and fitness.  I decided to join beachbody as I was already implementing some of there programs with my clients and this way they got a better discount.  Beachbody Coaching as a career can go both ways like any business it takes time and a lot of effort.  Mlm businesses all require the same thing but it doesn't hurt to try esp if it let's you stay home with your babies.
Wow this is a well-done list! And I see all the time you put into it has paid off considering it has been shared over 50,000 times! Congrats to you! I personally like the virtual assistant idea. I have not done it, but I love the idea of it and I think it can be a great way for decent income if you find the right company. Just takes some time and effort to apply to some places if you want to make significant income. I was doing research on VA jobs and it looked like there are multiple companies available to get with. It kind of looked like the higher paying companies wanted a bit of experience though. Anyway, great article thanks!
If her kids ever felt like they had nothing to do, she'd tell them to choose a slip of paper from the dish. Some instructed them to build the tallest Lego tower, others told them to clean their room. When they got older, she'd include them in her work by asking them to put away files. "You need to have an open-door policy and involve them in any capacity they can handle," she says.
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.
Do you REALLY want to be a stay at home mom (SAHM), but don’t know if you can live on one income? I was in the same position a few years ago after the daycare I started six months earlier failed. At the time, my five-year-old was about to start Kindergarten and my youngest was two-and-a-half. The thought of finding another job that would only earn enough to cover the cost of daycare was depressing.
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After a little bit of trial and error, my husband and I decided we liked the BumGenius one-size pocket diapers with aplix the best.  These are the only diapers we send to daycare because they operate just like a disposable.  At the day care center there can be several different people changing a diaper so we wanted to make it as easy as possible on them.
     I met Elizabeth from Purple Unicorn Diapers at a local La Leche League event several years ago and I have nothing but wonderful things to say about her and her shop! Purple Unicorn Diapers featured hybrid cloth diapers and custom clothing items. Handmade in Pennsylvania, Purple Unicorn items are hot trade diapers and custom spots go in a flash! Join her BST and chatter group for orders!
There are different programs, depending on your interests. The one I am most familiar with is Bradley, and they have training across the country every year. The training does cost, but it is a wonderful program. I went through Bradley classes with my husband when we were pregnant with our first and it was just the best experience for both of us. You can find more about training here.
Cambridge Transcriptions is seeking work at home legal transcriptionists and stenographers! These are 100% home-based independent contractor positions. From the company: "We are seeking highly skilled legal transcriptionists and stenographers with a strong grasp of English grammar, punctuation, and vocabulary, who are detail-oriented and capable of following … Read More
Snappi: This takes the place of the old pin and secures a flat or prefold on a baby. Not necessary if you use a pocket diaper, All in One, All in 2, or fitted. Also not necessary if you are just going to trifold a flat or prefold like a pad and use a cover. In other words, this is only needed if you are going to cloth diaper in the traditional way.

This is a post I’ve been wanting to write for a long time! In a way it’s a follow up to my post on How to Afford to Be a Stay at Home Mom article. And in a way it is at the crux of everything I write about here at Affording Motherhood. In that article, I noted how the average mother only needs to make up $700 per month in order to afford to be a stay at home mom, after taking out all the costs of going to work.
This is a great and comprehensive article, but the website/search engine evaluating jobs and the transcriber jobs I checked out that I think I’d be a good fit for require 3-5 years of experience each, and as a college student, I don’t have that. Are there any decent paying (50-200 dollars a month) jobs that don’t require experience in the job field yet?
I’m looking for people to join my team with Advocare! It’s a great opportunity to get healthy (especially as the New Year approaches!) and make some additional money! I make a couple hundred dollars extra each month and save on my own orders! I feel so strongly about the program I’m willing to pay people’s start up costs! Email me with “advocare” in the subject line if you’re interested!
Barefoot Books, an independent children’s book publisher, is a company created by and for families with an emphasis on community building and growth for both parent and child. Founded as a home business in 1992, Barefoot Books empowers passionate individuals to build their own businesses in the same manner. Our versatile Ambassador program enables stay at home moms to own a business that is flexible to her own schedule, family values, and interests. Beautiful, diverse children’s books can be sold at home parties, community events and through a multitude of online medias. Barefoot was designed to give Ambassadors the chance to grow a phenomenal business while also making a difference in children’s lives. 

The Canadian health care system is far from perfect and I often complain about it, but the truth is that any other alternative would surely be a lot more expensive for us. As parents we have already taken advantage of our health care system many, many times. Shall I start with our fertility issues and subsequent treatment, or the specialist doctor visits for each of my pregnancies, or the three C-sections and subsequent hospital stays? Later on I also stayed at the Children’s Hospital for five days with our newborn son, as he slept utterly adorable in sunglasses under jaundice-fighting blue lights. We regularly visited physiotherapists at the Children’s Hospital with our other two daughters, we often see our pediatrician, and we have accessed other services.
My mind remains a blank slate. I’m not a salesperson, a lyrical genius, or crafty. After working as a RN for many years and struggling with my own health issues, I was forced to leave the only career I found true passion in. Two years ago, I rediscovered that passion for learning and became interested in. Sex Ed. Not the Birds and the Bees from middle school, but the deeper, more intimate details. After years of absorbing information, I found giving advice and sharing knowledge to other woman was as rewarding, if not more, than nursing. I’ve even worked with some men and a few couples who now report an active and fulfilling sex life. Finally, I feel I have regained my self worth and again feel the satisfaction of helping others.
Ultimately, he says, the goal of the calculator is to illustrate to families and policymakers alike what a huge impact childcare costs have on the American economy, since many moms now decide to stay home rather than fork over thousands for care. It stands to be an especially big loss for Millennials, a group where a greater percentage of women have degrees than men.

I suppose to start my freelance work right in a moment as I was really motivated by your advice, tank God I already have a job but still in school and don’t know how to combine it….Very informative article right there! I still think there are questions one needs to ask himself prior to beginning a freelance business. Freelance can be rewarding particularly if you take one step at a time from defining your go.
Heritage Reporting Corporation is seeking home-based legal transcriptionists in the U.S. Both full and part-time home-based positions are available. You must have your high school diploma or its equivalent. From the company: "Heritage Reporting Corporation, a privately owned nationwide court reporting and transcription firm based in Washington DC, has … Read More
One-Size. Believe it or not, there are "one-size" diapers that grow with your baby, "so you can potentially use the exact same diaper on your eight-pound newborn as you will when she is ready to potty train," Odom says. Snap or Velcro closures let you adjust for size, and progressively larger inserts accommodate changing absorbency needs. (A poplar one-size diaper: bumGenius One-size Cloth Diapers, which include a miniature insert for newborns and a larger insert for growing babies.)
I actually blog from home and make monies. my site is www.legacychangers.org. U get to be passionate about what I speak on because you can do a blog on anything and I bring in income. It's totally legit and I have a blast with my kids. It's such a great thing. They offer full training etc I tried surveys and secret shopper etc just not enough.... Hope it helps
Along the line of what Andrea said above, it might be more prudent to use a “second income calculator” that you can find many of if you Google. Inputing both salaries, the costs associated with the person who would be staying home, tax brackets, etc., you could discover that the second salary may *really* only bring home a few extra thousand a year. Is it worth it?
NextWave Advocacy, LLC contracts with news junkies that are politically aware, home-based individuals who are critical thinkers to make outbound calls to educate citizens and help them participate in contacting their elected officials. No sales or fundraising calls are involved. This is not a telemarketing opportunity. The pay is $12.00 per hour with a minimum commitment of 20 hours per week.
I used mostly cloth with #2 for a little over 4 years and #2 for a little over 2 years. When we had to go out of town for funerals or visiting sick elderly relatives we did disposables because I couldn’t deal with cloth on the road during those times. I switched to disposable diapers 4 months ago because I just couldn’t keep up with the laundry anymore. We live in an apartment without washer/dryer hook ups so we were washing our laundry in a washing machine that attaches to the kitchen sink that does about 1/3 of the normal size load that our previous washer did. We don’t have a dryer and aren’t allowed to hang our laundry outside. Drying diapers inside on the portable umbrella or rack was taking 24 hours or more. I decided it was time to move on and donated all my pocket diapers to a friend and then all of my prefolds/covers to one of my sisters assistant. They both recently had babies so they’ll get lots of use out of them. I am looking to get some sort of cloth pull ups for night time accidents for the littles. On the 7th we’re going to start working on potty training. Several days of staying home, nakedness, bathroom trips every 15 to 20 minutes and lots of stickers!
Veronica V., Have you found anything yet? You said you are great with customer service and sales. Have you ever thought about direct sales? I am a consultant for Rodan+Fields, an anti-aging company founded by the very same dermatologists that created ProActiv. We are not a party company (though if you like hosting parties you sure can). We don’t have any quotas. I would love to talk to you if interested! Thanks!
This is a great and comprehensive article, but the website/search engine evaluating jobs and the transcriber jobs I checked out that I think I’d be a good fit for require 3-5 years of experience each, and as a college student, I don’t have that. Are there any decent paying (50-200 dollars a month) jobs that don’t require experience in the job field yet?
I’m sorry, but what percentage of women can actually manage this? I hear it all the time, but meanwhile what I see is a bunch of women guilting friends and family into buying Pampered Chef stuff that they don’t need. It’s not hard to supplement a little, but I don’t know very many real people who actually make real incomes doing things like stuffing envelopes or online tutoring or filling out surveys or whatever.
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
While many of the stay-at-home moms I’ve met over the years followed their hearts when choosing to leave their jobs to raise their kids, new research out of the US argues that a recent increase in the number of stay-at-home moms isn’t because women have chosen to opt-out—it’s because there is nowhere for them to opt-in to, and the cost of childcare makes employment a wash.
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