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How to Turn Your Stay-at-Home Mom Dream into a Reality
By By Dawne Brooks
In February of this year, a dream became a reality for me when I quit my job to stay at home full time
with my baby girl.
Until recently, being a stay-at-home mom for me was just one of those things I thought I’d be sitting at
my desk fantasizing about for the rest of my working life, like winning the lottery. At around month two
of maternity leave, I knew I didn't want to go back. The urge I thought would never be an issue for me
suddenly became so strong it drove me to tears. I realized, sadly, that this was a situation my husband
and I hadn’t planned for, since I was ever so sure I would still want to work after the baby (oh, how
seeing that darling little face changes your mind!).
I couldn't fathom leaving my baby with a stranger. I realized in an instant that my "super working
mom" visions I'd imagined all my childless years were merely inexperienced flights of fancy. That was
not the person I wanted to be anymore. Rather, I was ready to throw myself fully into the role of
mommy, rent and car payments waiting to be paid or not.
Denial and illogic followed, with weeks of me chanting decidedly to my husband that I wasn't leaving the
baby. His thoroughly nervous face muttered a pensive "OK" each time, undoubtedly thinking about the
stack of bills that my paycheck helped cover each month. But then my wheels started turning. I would
find a way.
I scoured the Web for any and every way I could help our family save money and allow me to be
an at-home mom. I became a coupon cutter and cut our monthly grocery bill in half. I changed to a
cheaper auto insurance company. I checked into refinancing a high-interest auto loan. I started getting
credit cards paid off and paid cash for our purchases. I contacted utilities companies to make sure we
weren't getting overcharged or if we were eligible for discount plans, or paying for features we didn't
really need. I down sized to basic cable. And finally, after five months back at work, an affordable
housing opportunity came our way and the dream finally became financially feasible.
Some would say my life is too scaled down for them now, I'm sure. Our new place is much smaller and I
gave up a washer and dryer for the community laundry room in the move, but now that I am home with
baby, I’ve got more time to get the laundry done. And I’m washing dishes by hand again instead of with
the help of a dishwasher. So there were a few trade offs, but all of them worth my ultimate goal – to be
present for my child. In time, we still buy the new furniture we want or piece of computer equipment or
dinner out, just like we use to, really. Now, we’re just more responsible with our money, a trait I’ll be
glad to instill in my daughter.
I chose to share my experience because I know other women out there run into this same situation and
it’s painful. Not prepared for me to stay at home past maternity leave, we had only saved enough money
to carry us through those first few months of my daughter’s life. If I had it to do again, I truly would
have investigated my feelings on being an at-home mom more intensely and saved more to prepare for
such an undertaking. Instead, I had to return to work for five months, setting a goal for myself to be at
home again for good by my daughter’s first birthday. I beat the goal by three months – not an easy feat
when you consider that my paycheck was exactly half of our income AND my job held our family’s
medical benefits.
Here’s a rundown of the steps that helped get me, and other stay-at-home moms I know, home with our
children:
- Coupon cutting – It takes about an hour each week to cut those things out and file, and once you
match up your coupons with the grocery store sales (and make sure you go to a place that doubles
the coupons), you can save big! My bill dropped from $300 to $160 a month. Also, check out
additional store coupons at http://www.valupage.com for even more savings.
- Auto insurance – We had been with a high-priced insurance company for years, but after checking
around, we’re saving more than $300 every six months. Good, inexpensive companies to check
include: Geico at http://www.geico.com, 21st Century at http://www.21stcenturyinsurance.com, or
Progressive at http://www.progressive.com. And once you become a SAHM, call up your insurance
company and let them know you're no longer using your car to drive to work every day, but just
for pleasure, and that you need to reduce the number of miles you drive it per year (to say 1,000 or
2,000 or whatever works for your family). This could trim off some of your premium by $40 to
$160 per year, depending on the company.
- Other debt – A consolidation loan is not always the smartest way, nor is a second mortgage, both
of which often end up just being more debt for a person in the end. Instead, try refinancing auto
loans with high interest rates. Local credit unions usually have great rates. Also, for credit card debt,
try a nonprofit agency like Consumer Credit Counseling Service at http://www.credit.org. They’ll
help you negotiate low or no interest while paying those cards off. Then cut them up and try
paying with only cash for awhile – it really is liberating, especially when you buy, say, a new
computer, and know it’s paid for when you bring it home.
- Utilities – Our local phone company had a reduced-cost plan based on income which I was able to
take advantage of, as did the gas and electric company, so it never hurts to ask (they, of course,
don’t advertise them). Cable is often a service full of overcharges -- their special TV guides and
premium channels are just a few ways they get more of your money. Take a look at your recent bill
and see where you can trim the fat. Internet service may be a hefty fee, too, depending who you’re
with. Try getting online free with NetZero at http://www.netzero.com and wipe out that cost all
together. To reduce a significant amount of long distance phone charges, there's an array of free
phone services on the 'Net these days, too. One of my favorites in Dialpad.com http://www.dialpad.com, which allows you to actually call from computer to phone, not just
computer to computer, for absolutely no charge.
- Waste not, want not – One of our house’s big expenses was eating out. Our busy lives (and my
lack of cooking skill) led us to restaurants or delivery about three times a week, equaling more than
what I now spend on a week’s worth of groceries. Being at home has allowed me to learn a little
more about cooking, and I’ve also saved by making more from scratch or semi-scratch (getting a
plain bag of rice, for instance, rather than a tiny box of rice mix). Growing your own vegetables is
also an excellent way to save money on food costs and have nice, fresh produce for months and
months (even just in big pots on a balcony or patio will work). Entertainment didn’t need too much
scaling down in our house (hey, who needs entertainment when you have a little one to amuse
you?).
However, obvious ways include renting movies instead of going to the theater, renting
computer games or getting shareware free online, or simply taking advantage of free outings more,
like discount days at museums, a picnic in the park or a day at the beach. Shopping is still a
challenge, but paying in cash really compels you to weigh whether you MUST have something or
not. Of course, sale racks are the at-home mom’s friend, as are resale stores (both for mom and for
kids). Shopping with coupons isn’t just limited to the grocery, either. I do a lot of bargain shopping
online using coupon codes, most the time for way lower of a price than I could have got in a store. For a super site that lists online coupon codes,
visit http://www.dealofday.com.
- Public assistance – With your household income dropping substantially, many families qualify for
public assistance programs they might never have considered before. One key program, the
Women, Infants and Children Program (WIC) at http://www.fns.usda.gov/wic is a great resource
for pregnant or nursing women and for children up to five years of age. WIC provides food
vouchers for free items like milk, cheese, beans, cereal, eggs, peanut butter and so on, and could
really be an aid to your grocery bill. The program is income based, with pretty liberal limits. Health
insurance is often an issue as well when one parent decides to stay at home.
For my family, it was a major factor since we got insurance through my job. Again, there are public assistance programs
that may help with insurance for your child for little or even no cost. Medi-Cal in California at
http://www.medi-cal.ca.gov is one such program, offering free coverage for children (limits are
more stringent than WIC, however). Healthy Families in California at
http://www.healthyfamilies.ca.gov is a very low-cost health insurance program for children and
pregnant women who don’t qualify for Medi-Cal but do fall into a looser range of income (a family
of three in CA making $2700 a month qualifies, for instance). The federal food stamps program at
http://www.fns.usda.gov/fsp/MENU/APPS/ELIGIBILITY/ELIG.HTM might be another option for
some families in the lower-income category.
Finally, some states do pay unemployment to employees who elect to quit to stay at home and care for their child. Check with your state's Web
site for more information on the programs your might be able to take advantage of.
- Living within your means – Housing, because of its permanence, is a tough debt to reduce very
quickly. If you have a hefty mortgage payment and decide moving to a smaller place or renting will
be helpful in allowing you to be home, you must first sell your house. If you’re renting somewhere
expensive, getting out of the lease is usually the issue. In high-priced Southern California, our rent
was one factor we felt we couldn’t change. We couldn’t get much lower of a rate, or so we
thought, until some affordable family housing at the college my husband attends became available.
So before you say never, check every option when it comes to housing. You may sacrifice by living
in a smaller place for a while, but if being at home is what you really want, it will be a minor issue
compared to the joy of spending the days with your child. Just remember, a small place may
require renting a storage unit for your excess belongings, or paying to do laundry in a laundry room,
like for me. Add those costs to your new rent to figure out what you’ll really be saving in the long
run.
- No more child care/working costs – Don’t forget to figure in the money you’ll save when you’re
at home. Child care expenses are a biggie, as is costs for lunches at work, gas to and from the
office, dress clothes for the job, drycleaning those clothes, etc. Add this back into your budget since
you’ll be saving it by staying home.
Finally, don’t rule out part-time work from home if you still need to bring in some income to help
the family out. There’s a variety of jobs you can do from home, including graphic design, desktop
publishing, Web design, writing, editing, running your own Web site (WorldMoms.com offers some
unique opportunities at http://www.worldmoms.com), home parties including PartyLite, Mary Kay,
Pampered Chef and Discovery Toys, babysitting other children and more. For ideas and support on
being a work-at-home parent, visit Home Income Producing Parents at
http://www.hipparents.org or the Entrepreneurial Parent at http://www.en-parent.com.
However you make your dream of becoming a stay-at-home parent a reality, I wish you much luck and
success!
Dawne Brooks is mother to her one-year-old daughter, Kitty, and webmommy to SanDiegoMother.com, the #1 pregnancy and parenting resource for San Diego mothers, moms-to-be and dads, too. Visit the site at http://www.sandiegomother.com or reach Dawne at sandiegomother@sandiegomother.com . Reprinted with permission.
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