A Mother's Dilemma: Should I Go Back To Work?

Many moms have thought about the same question: should I go back to work

, or should I stay home? There are positives and negatives to this question but for most couples it comes down to money. Do we need the extra money or will we be able to afford me staying home?

This is a very tough decision and one that has a interesting answer; you most likely don't make as much money if you go back to work. If you factor in daycare, baby necessity budget, commuting cost, fast food budget and the potential of being in a higher tax bracket, most people may not even be bringing home 25% of their gross income. Using the second income calculator on MSN.com you can punch in your wage and see what your actual take home pay actually is. In addition, in a household where both spouses work one earns $40,000 and the other earns $35,000 figuring out all the additional expenses the person earning $35,000 is really only bringing home $4,950. This works out to be $2.48 per hour or $412.50 per month. Would you agree that isn't very much money?

A better choice for families is for one spouse to stay home with the children while trying to help out with the family's finances by starting a work from home business. Staring a work from home business is an great way to earn money at home. There are many choices to pick from so make sure to take your time and pick the best one for yourself. Some other important things to think about are:

*Beginning Cost: What is the beginning cost to get your company started? Be cautious when companies want your money and for you to pay to work from home (those are ALL scams) this is a different situation. You are building a work from home business and its normal to have to pay for initial inventory and to sign a license agreement. So you need to look at the initial costs and what your return on investment is for each package.

*Continuous Monthly Prices: Some businesses charge a small start up cost but then an continuous monthly fee, while other businesses to keep active require a minimum purchase each month. Some businesses may not require either a minimum or a monthly charge. Make sure that the ongoing fees are small if you plan on starting and then stopping your business for periods of time (summer vacation, having another child).

*Inventory: Make sure to consider how much room is in your house for your new business. Is your office going be enough or are you going to need more space for inventory? For some people starting a business this may be a real problem. Try to figure out how often the company ships inventory or orders?

Every person's situation is unique so take the time to figure out your true take home pay and whether or not you can afford to stay home. You might be surprised by the answer!

by: Katie Zwain

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