This blew my mind. I think I texted my cousin that same question on three different occasions because I just couldn’t understand how leaving the lid off our diaper pail could help – shouldn’t we be clamping that thing shut with metal clips?! But she was right! I have found that allowing each diaper to air dry decreases the stench (and if you keep the pail in the bathroom like us then that’s another step to make sure you decrease the odds of any unpleasant stank wafting your way).
Work on building a stash of cash for unplanned emergencies -- especially unplanned medical emergencies. Covering one of these or a major, unexpected home repair could be a huge blow to a budget. You need an emergency fund to pull from in case the unforeseen occurs. You don't want to dip into your regular daily budget or rack up credit card debt to cover it. Aim to have three to six months' worth of living expenses -- not salary -- available in your accounts.

Yes our taxes are outlandish. That is putting it mildly. We pay 50 % or more of every dollar earned back in taxes. Starting with income tax. Then we pay CPP for our Canadian pension, then EI in case you loose your job. (you don’t get to collect Employment insurance if your fired or quit)Then we pay 13 % on every purchase we make in retail sales tax, including on a new home(that are not cheap either in Canada)then we pay 2 X more for gas (taxes built in) and basically 2 to 4 x more for everything we purchase compared to what it is sold for in the US. Even products made in Canada are sold much cheaper in the USA. All liquor stores are owned and operated by our government, so every penny over the cost of it is tax to the government for these surfaces. As a male with no children, I pay for this lady to have her kids and put them thru school. Her number 7 point hits me the worst. There is no such thing as free healthcare. We pay through the nose for it, but it is just above mediocre. If you need a hernia operation you will have to wait four years for one for example, but only two for a complete sex change operation paid for by tax payers. I lived in the USA for 22 years and you are way better off down there. I went back which I regret, and now I pay 4500 more a year just to fuel my car. Tires cost twice as much, etc. So the cost of living in the USA way offsets your cost to purchase your healthcare. Now judging by this ladies last name, I kind doubt she was born here, and so she may actually get free healthcare, until her taxes finally offset it. But not with what she already cost the taxpayer. 3 C sections, etc. Her taxed earnings will never catch up to the burden.
By reading some of my favorite blogs, I’ve seen them post jobs for VAs (virtual assistants). I replied to one, which led to getting a job with her. That job led me to connect with a couple of other bloggers. She now runs her own company with people working for her as VAs to give other SAHMs a chance to earn money for their families. – Rachel at Signed by Me
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?
Compare the start up costs against what you could reasonably expect to earn. If the start up kit costs $150 but the consultant you’re signing up with admits you’ll actually have to invest another $1,500 to do well, do the math. If you earn 25% of total party sales, you’ll have to sell $6,600 just to break even on your investment. How many parties will that take? Will your kit need replenishing or supplementing? Are there sales minimums you have to meet even if you head out on long summer holidays, or your kids are sick for weeks on end? Who pays for the catalogues and order forms you’ll need again and again? 

Sorry to say, but the numbers aren't working in your favor to support the stay-at-home life you envision -- yet. But if you take these tips and strategies to heart, and if you're willing to consider making some big changes, you can reevaluate in 6 months or a year. You might find that your financial situation is looking brighter then, offering you more choices.

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
But Michael Madowitz, an economist at the Center for American Progress, says there’s more to consider when making this decision. He says it’s not as simple as taking the cost of childcare and subtracting that amount from your annual salary. He’s developed a calculator that shows you the long term effects of either working or staying home. You can customize the calculator to account for your gender, age, how much you earn, how long you plan to be out of the workforce and your retirement contributions. Depending on whether or not you work outside the home, the results are either reassuring or completely depressing.
Enter your after-tax income. The best way to do this? Look at your pay stub. The number you get to deposit in the bank is what you're looking for (after taxes, Social Security/FICA contributions, employer-sponsored retirement contributions, pre-taxed health savings, or flexible spending contributions are taken out). Get paid twice a month? Double the number to find your monthly after-tax income. Make sure to include any monthly income from regular freelance work or other sources of income.
Inserts: These go inside a pocket diaper or can be stacked for additional absorption. Sometimes referred to as a soaker or a booster. They are made of many materials such as microfiber, charcoal, bamboo, hemp, fleece, Zorb, windprofleece, and cotton. You want to look for the most absorbent material with the least bulk. Many moms like hemp for this reason.

One way that people have been earning money online recently is going to your local stores and hitting the clearance section.  Buy up a shopping cart full of stuff and then mail it to Amazon FBA (fulfilled by Amazon).  Amazon then sells the items and mails them for you, and pays you your cut.  There is even a really cool app for your phone that you can use in the store to scan the barcode and see how much money you could make selling it on Amazon, even including your shipping costs.
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.
You need to cut spending, so start with the cuts that will offer the biggest payoff. Don't waste time driving around town to find the best price on frozen peas -- look at where you can make big changes. For example, housing is by far your biggest expense -- it's typically about 30 percent of a home-owning family's budget. Can you move to a less expensive neighborhood? Or downsize your digs? Would you be willing to? This leads to the next big consideration.
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Here’s what I do: I toss the diapers in the wash. I run a cold soak or pre-wash if we’ve got some super messy ones. Then I turn on the hot water and run a regular cycle, using less than half (honestly more like a 1/4) of the “usual” amount of whatever damn detergent I have on hand. (You DO want to stay away from fragrances and brightening agents and oils and real soaps, but dude, THIS IS REALLY HARD, unless you order one of the specialty detergents, and frankly, that’s the one thing about cloth diapering that is just too damn high maintenance for me.) Then I dry them on low, and everything gets super clean and smells fine and then I re-stuff them and fold them while watching TV at night, surveying my cute little piles of diapers and OMG THEY ARE SO CUTE. Once a week, I wash all of them with a couple scoops of Oxi-Clean and no detergent, just to ward off any of that terrible residue and repelling stuff that might happen because I’m using a three-star detergent instead of four or five.
I love this community and just discovered it! I’ve been searching and searching for something to help me transition from Work Out There, to Work At Home. I’ve actually worked at home as a designer for an advertising agency for the past 4 years when they suddenly dropped freelance contracts. I also have a 4 year old son, so I was not ready to go back to “Work Out There” after all that time with him as my little assistant. I am struggling with routine, and this forum seems to have a lot of answers! I do still work at home, thank goodness, as I started with a brand new network marketing company called RemeVerse (anti-aging, science-based skincare). I think network marketing is one of the most overlooked and underappreciated “careers” out there for WAHMs. There’s so much potential! Now just to get to a solid morning routine…. hi everybody!
When it comes down to it, research is research and only what's best for you and your family matters. It's true not everyone has the luxury of choosing between staying home or working but research can't tell you exactly what's going on in your family. Make a decision that's right for you and don't worry about what strangers, your neighbor or your mother-in-law think.
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.
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.
A little bit ago i started selling nerium as an income supplement. Ive been having amazing luck with it and the best part if that i can do it with 3 kids! I dont have to host parties in order to suceed or go anywhere. I am due now in 3 months with a little boy and my goal is to have nerium and a side sewing business that can make me more than i make now working 10 hrs a week. This post helped a lot because there are alot of scams out there on working from home. Its messy business!
Every website on the Internet needs a graphic designer in order to look professional and unique. Whether you have graphic design experience or you’re just starting out, there are opportunities available for you to demonstrate and hone your design skills. Create your own website and use it as a platform to showcase your work. You can also look for work on freelance websites to get additional work experience on your resume.
The washer doesn't have any settings for a pre-soak or extra rinse so I have to run 3 separate wash loads (warm with cold rinse as my "pre-rinse" then hot wash cold rinse with detergent then warm wash cool rinse as my final rinse), and run down and add quarters after each wash load. Then I run everything through the dryer on low to dry the pocket shells and wet bags, then pull out all the PUL and run another dryer load on high to dry the inserts and prefolds (I have a lot of bamboo inserts which take forever to dry).
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
I was feeling discouraged, as I would soon join the ranks of the working mother after my precious maternity leave would expire, and although the idea of staying at home with my child was enticing, it was simply not an option.  I was the one with the steady job and even more importantly, the one who carried health insurance, flexible spending accounts, and other much needed resources.  I have so much respect for these overworked, undervalued mothers and working from home one day a week has taught me to empathize with how much effort being a full-time mom while trying to accomplish other tasks truly is.  That being said, there had to be answer to this cloth diapering and working conundrum.
Now I plan on staying home with my daughter and cherishing these growing moments together. I'll be doing online classes to finish my grade 12 and then do more online courses to become an education support worker. By the time I'm done my schooling my daughter will be ready for Kindergarten and I can go to work! In the mean time I might apply for a part time evening job and also sell my art work online!
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.
In order for my daughter (an RN) to continue to stay at home w/their 1 and 2 yr. old when finances became tight, she had what I thought to be a clever idea. She put an ad on Craigs list to babysit, and after a few interviews, she’s now watching a female doctor’s 2 month old little girl from 8 to 1 p.m. every day. Her kids are fascinated w/the baby, so it works out very well. I thought this to be a creative idea of hers and not one I would have thought of.
I’m trying to build my business, so I can stay at home. So currently I am working a more-than-full-time job out of the house, and working my Jamberry business in any free time I have! I’ve never liked selling things, but I fell in love with Jamberry’s product, so I knew even if I only bought for myself and family id come out on top. I feel safe having them on my nails, as they’re non-toxic! – Andrea Stewart at Jamberry Nails

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.


SOURCES: Philip Cohen, PhD, associate professor of sociology, University of North Carolina, Chapel Hill. Cara Gardenswartz, PhD, clinical psychologist, Beverly Hills, Calif. Melissa Milkie, PhD, associate professor of sociology, University of Maryland, College Park. Sylvia Allegretto, economist, Economic Policy Institute. Karen S. Yasgoor, PhD, organizational psychologist, La Jolla, Calif., and owner, Center for Work Life Assessment. Leslie Morgan Steiner, author of Mommy Wars: Stay-at-Home and Career Moms Face off on Their Choices, Their Lives, Their Families. Jacqueline Plumez, PhD, a psychologist and career counselor, Larchmont, N.Y. U.S. Bureau of Labor Statistics: "Employment status of the civilian noninstitutional population 16 years and over by sex, 1970-2004 annual averages." U.S. Census Bureau, Current Population Survey: "Parents and Children in Stay-at-Home Parent Family Groups: 1994 to present." The New York Times: "Stretched to Limit, Women Stall March to Work," March 2, 2006.

This is quite a suggestive list. I am 32, turning 33 in Oct, and have 15 years in the Child Care field at a preschool, but would someday like to start working from home. As far as skills outside of Child Care as far as client relations & such, my other skills are crafting/bead making, professional organizing, and can type about maybe 50-60 wpm. Also was thinking of being an elderly companion, running errands, etc. Therefore I am wondering what I can really do from home with all this. I was thinking of creating some cards on vistaprint and just freelance as a Mother’s or Family Helper for those who have a rough time getting things done around the home, & who just don’t have the time of day whether it’s kids, relationships, family, etc. Would that make enough money providing I get a decent amount of clients? I am from south Florida just near Fort Lauderdale, so I’m just not sure. I know I don’t want to do child care forever, just cause it can be stressful at times. What do ya think? 🙂
If you don't learn to keep your roles as mom and businesswoman separate, giving each your full concentration for a set amount of time, you'll never feel like you're doing either well. To separate mentally from the rest of the house, set up a private office area, recommends Lauren Kohl, an attorney and mom of two in Newton, Massachusetts. She works out of a converted closet, a kid-free zone that helps her to detach from the rest of her house. If she can't see the dirty rompers in the hamper, she's less inclined to leave her desk to launder them, she says. Plus, it helps you disengage from your job if you have a door to close. If you don't have an office, try making a list of everything you're going to do the next day, leave it in your work space, and walk away. "You're doing something to turn work off," says Durst.
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.

Once you have your final list of expenses, subtract the money you'll save by staying home. That's right: Working creates its own costs – transportation, parking, clothing, dry cleaning, lunches, your daily coffee fix, and more. Don't forget the cost of picking up take-out food for dinner or buying prepackaged meals because you don't have time to cook.
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.

This Instructable is not to preach about the use of cloth and its pros and cons. I assume you are ready to take the cloth journey if you have made it to this tutorial...My job is just to give you a taste of the types of diapers out there and to let you know that cloth diapering is a personal adventure in tests and trials, and you WILL find what works for your individual baby. Remember that all babies are different (shapes, sizes, sensitivities, etc). Probably even your own children will respond differently to cloth as far as fit goes!


I can hardly believe in big amounts earned in the net. There are people of course, who make millions, but they are as frequent as those in a real life. That means, that anyone can make it, but not everyone is able to. Alas, I do not have a brain able to squeese money out of the net, while my son made his 10000 usd in the net at the age of 18. So it is all so much individual! Just do not give up and always try new ways to apply your talants.
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 don’t want someone else raising my child with their values (or lack thereof). I’m more appreciated by my partner than I ever was by my boss. I’m not a social person, so the isolation doesn’t bother me. Besides, we get out a lot on walks and errands and such. Also, I really hated my job, and since I’ve been home with my son, I’ve enjoyed every minute of it. I am a happier person and I have a higher self-esteem. I also feel more fulfilled, and I feel like I’m contributing to society more now.
It's one chunk of the day when you can generally expect to be able to plug away without interruption (at least not from your child). Whether your kid sleeps for one hour or three, use this time to finish assignments that require your complete focus and concentration, says Erin O'Donnell, a mom of two and freelance writer and editor in Milwaukee, who often schedules work-related phone calls during her 20-month-old Jonas's naps. If for some reason he isn't tired, they have quiet time instead: O'Donnell puts him in his crib with books and closes the door. "I can usually get in 20 minutes of work before he grows restless," she says. If Jonas wakes up while she's on a work call and begins crying, O'Donnell has trained herself to resist hanging up and rushing right in to check on him. "It hurts a little bit to listen to him," she says. "But it won't kill me -- or him." Plus, she believes it's important for him to learn how to soothe himself. 

Work-from-home jobs come in all varieties, and not all of them are legit. So my first tip for work-from-home parents is: Beware of scams! If something sounds too good to be true, it probably is. Be wary of any job that requires you to part with cash up-front, as well as anything that "promises" or "guarantees" overnight riches yet doesn't have a set pay rate. If you're considering a position but suspect it might be a scam, check with the Better Business Bureau or the Trade Commission. 

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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.

I guess it depends on the daycare or nanny. I have mostly AIO's and a few pockets, I think they are so easy for anyone to use. They put on like a disposable, just instead of putting in the trash, put in a pail/wet bag which you would provide. I did disposables in the beginning with the constant newborn poops.. Mostly because my hubby is a negative Nancy, and I didn't want to buy a bunch of newborn size diapers that wouldn't last long. But now at almost 5 months we are mostly cloth. Although when my hubby ever changes her he always puts on disposables... It depends on the people around you and if they are willing to do try it. I work full time but lucky to bring my baby to work with me. I just use a wet bag and throw in the laundry. Being a working mom I don't think really matters, how hard is it to run a load of laundry? Just do an extra rinse cycle. Although, I'll tell you - it took me like a month to finally get the washing routine down! Lots of leaky diapers in the process. THAT almost made me give up. Good to go now! :) if you are anything like me, I was pretty determined to make this happen, so it was definitely going to happen!!


Hi I just read this and sure could use your help. I worked in a hospital for over 10 yrs but had to quit my job in nursing to care for my disabled husband who is a retired vet from the USAF of 25 yrs so we have been living on a very tought budget with two of our children and our three grandsons so I have been looking for a job that keeps me home with my husband Could you please help me with finding something.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".
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.
Hi Emma, Sorry to hear about your job loss and we hope things are going better for you. The jobs and resources in this post have been researched and they are legitimate. My advice to you would be to determine what marketable skills you have that could help you earn an income from an online job. Can you type well? Are you a skilled writer or editor? Do you have amazing organizational skills? Are you good at problem solving? If you are still in need of a job you should look into customer service rep positions or maybe even look into direct sales if you are a people person. Good luck!
One word of advice? Take it easy on the sacrifices. If you give up too much at once you are likely to feel deprived and run the risk of binging on luxuries. Cut out the extra expenses slowly over time and see what you can live without. If life just isn’t the same without that morning latte, then maybe it’s worth trading the magazine subscription for. We all have our weaknesses.
You could also borrow from friends, try consignment stores or online diaper-swap sites, or visit the Facebook and Twitter pages of various brands, as companies sometimes issue calls for testers. Or join a trial program, like Diaper Lab's $35, two-week "Experiment to Own" option, which is basically like leasing a car, only with nappies instead of a Nissan. Jillian's Drawers is another option. In the end, it all comes down to your (and your baby's) personal preference.
You really need to look at the entire financial picture when considering staying at home. There were times when I worked part-time outside the home that I was putting gas and groceries on my credit card because I simply didn’t have enough money in my checking account to get me through till payday. I can tell you first-hand how awful that feeling is. I cried more often about not having enough money while I was working than after I started staying at home with my kids.
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