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Are you a broke stay at home mom barely scraping by? If so, you’re not alone. According to the Gallup, 41% of Stay At Home Moms feel worried, which is greater than the amount of worry felt by working moms and childless working women. Across the board, Stay At Home Moms are reporting negative emotions at a higher rate than other adult women who have not reached retirement age. What gives?

The Root of It All

Considering that Pew Research Center reports 34% of Stay At Home Moms live in poverty, it’s no mystery why so many full-time moms are prone to feeling upset.

You need sufficient funds in order to live a good quality of life. When money is short, your financial decisions must be weighed more carefully. Depending on the degree of the strain, you may find yourself needing to make trade-offs that lead to going without necessities. None of us are psychic, so there is an additional layer of anxiety added when you have to wonder whether you made the right choice or if one of your financial decisions is going to come back to haunt you.





Who’s Going to Bail You Out?

I remember when I was in college, I wasn’t the best at managing my finances (what college kid is?)

I worked a low paying retail job with very few hours because I needed to keep my schedule open so I could go to class and study.

I remember clearly at the start of one semester when I sat down to write out a budget. After I’d calculated all my expenses, I was horrified to discover I barely had any money left to afford groceries. Instantly, I panicked.

Fortunately for me, my parents were able to bail me out with a small stipend each month. That’s what loving parents do.

In the case of a Stay At Home Mom, you ARE the loving parent. It’s your job, along with your spouse, to ensure you can afford to raise your children.

If something goes awry with your husband’s income, who’s going to bail you out?


“If something goes awry with your husband’s income, who’s going to bail you out??”

From Bread Baker to Bread Maker

In this free course, I’ll show you how to jumpstart your transition from stay at home mom to work at home mom. You’ll receive valuable insights and resources right in your inbox. Get started now!


Life Happens

Let’s take a brief look at all the events that could potentially happen to you that are likely to sink a household that is already treading water.


1) Social safety nets are fragile and may not always exist

For the past few decades in America, we have had federal and state programs available to help out families in need of financial relief. These programs were never designed to be used long term nor were they created to be permanent.

Nevertheless, it is common for families to head to the social services office when they are faced with a financial emergency. If you are comforting yourself with the idea that you’ll be able to do the same should the worst happen, that is an unwise strategy.

 2) Your husband could become unemployed

If your husband lost his job tomorrow, could you survive until he found another one? If your finances are strained now, it’s a safe bet that you don’t have much money saved, if you have any at all. Having zero income for an extended period of time could quickly bring your household to ruin.

 3) Your husband could become disabled or pass away

A few months of unemployment is tough, but suddenly losing 100% of your income because your husband has become permanently injured or because he’s died unexpectedly is a major life change that could permanently render you destitute if you don’t have the means to recover.

4) Your marriage could end in divorce

The odds that you will remain married to the same man for the rest of your life are low. No one wants to think divorce could happen to them, but it has become to common in our society.

As a Stay At Home Mom, you lean upon your husband as the breadwinner (which is only fair). If your fairytale has a premature ending, could you survive it financially? For most women and their children, the answer is no.

Listen, mama: I don’t mean to scare you, but the anxiety you’re feeling about your household finances isn’t just going to fade away. In fact, ignoring your situation will only make it worse when you reach retirement age.



What It Means for Your Retirement

You may not think retirement planning concerns you since you are a full-time mom, but that notion is wrong.

Current figures show that a couple needs as much as $2.5 million to retire comfortably. Perhaps your husband has a retirement plan, but are you on track to cover the costs to support both of you when the time comes?

Even as a Stay At Home Mom, you need a retirement fund in your own name to cover the expenses you’ll have when you or your husband are no longer able to earn.

If you don’t address your financial issues now, you are putting yourself at risk for extreme financial difficulties at a time in your life when you should be able to relax.


An Overall Drain on Your Health

Living in a constant state of anxiety regarding your finances can have a major negative impact on your overall health. You lose out on sleep, managing your weight becomes difficult, your blood pressure rises, you begin to experience chronic pain, and worst of all — you can’t even afford to see the doctor for the treatment you need.



From Bread Baker to Bread Maker

In this free course, I’ll show you how to jumpstart your transition from stay at home mom to work at home mom. You’ll receive valuable insights and resources right in your inbox. Get started now!


Is There Any Hope for Me?

It’s not too late to redeem your household finances no matter how desperate the situation may seem. If you’re still breathing, you have a computer, and a reliable internet connection, you’ve got plenty of reasons to hope.

Turning your finances around is a matter of creating a second income stream. In other words, make the decision to transition from a Stay At Home Mom to a Work At Home Mom.

Unless you’ve got a trust fund or you’ve got a multimillion dollar net worth, earning an income as a Stay At Home Mom is a necessity for creating financial peace.

Even if you believe you need to start earning money at home, you may have a hard time believing you can actually make it work. The mind is a powerful thing — if you truly believe you can’t earn income as a Stay At Home Mom, you’re right. You will never earn an income because you have convinced yourself you can’t.



Taking Control

Every day, more Stay At Home Moms are finding their zone of creative genius and learning how to bring in real money to supplement, double, or even replace their spouse’s income. If you are open to learning how to change the course of your financial destiny, you can make it happen. Believe in yourself.

Excuses Debunked

When I decided to transition from Stay At Home Mom to Work At Home Mom, I remember feeling super psyched…right before I was struck by a tidal wave of fear. That fear was fueled by limiting beliefs about myself that I once held.

This is a common experience for everyone who sets out to make a big change. It’s much more comfortable to maintain the status quo even when you know it’ll only lead to disaster in the end.

Here are just a few of the excuses that nearly kept me from realizing my dream. Do any of these sound familiar?



“I have no skills”

Everyone has a unique mix of skills that can potentially be monetized with the right approach. I spent plenty of years getting a good education and busting my tail in the workforce only to fool myself into thinking I had nothing worthwhile to lean back on when it came time to consider working for myself. If you’re feeling the same way, think again. If you’re a master in the kitchen, if you have a thumb so green it’s emerald, or if you just can’t go a day without creating fiber art, then you’ve certainly got options for making money at home.

“I don’t have enough time”

This excuse just may be the most believable one of all. If you’re a Stay At Home Mom, you’re busy. That’s a given. Being busy doesn’t mean you are making the best use of your time. If financial security means enough to you, then you’ve got to take a close look at your schedule. Do you really need to catch another episode of your favorite show? Would it serve you better to use your crock pot to cook rather than standing over the stove 3 times a day? Can your children take on more responsibility at home? Perhaps you’ll need to make a few minor adjustments to work from home or maybe you’ll have to do a few major trade offs. Whatever you do, remember that you are investing in your well-being and your security. I’ll take that over Girls’ Night any day.



“I just need to budget better”

If you lack the fiscal responsibility a parent should have, then it is crucial that you study personal finance. However, a tighter budget is not always the solution to creating a brighter financial future. A better budget can help you manage your money well in the short term, but sometimes, you really do need to make more money. My family and I live in a rapidly growing metropolitan area. The cost of living here is fairly high and it continues to rise each year. At the moment, a family of four needs an income of $80,000/year or more just to make it. There are families in other areas that can’t imagine what it would be like to ever have that amount of money, but here that’s living in the danger zone. You may live in an area where the cost of living is slightly lower, but don’t count on it staying as low as it is now forever.

“I don’t want to abandon my children”

You’re home with your children because you want to be the one to see them grow up and to spend more time with them than you would be able to had you chosen to work outside of the home. It’s understandable that you would believe the only way you could bring in an income is to leave your children in the care of someone else. The truth is you can work from home even if you don’t have someone who could babysit or you can’t afford a nanny. If you do have parents or in-laws who can give you a hand with the kids from time to time while you work, that’s wonderful, but it’s not a requirement. Plenty of Work At Home Moms find a way to work even with very young children around.



“I don’t want to fall for a scam”

Unfortunately, there are companies that target vulnerable Stay At Home Moms with “opportunities” that are no more than scams. This is a terrible reality, but it doesn’t mean that every work at home opportunity is a rip off or a waste of time.

“I don’t want to waste time working for pennies”


Your time is precious. If you’re going to devote part of your day to working on top of everything else you’re doing, it ought to be worthwhile. With the bounty of companies contracting home workers to do mindless tasks for a few pennies each, it’s easy to believe you’ll never make more than a few dollars a day. The truth is, there are moms who have figured out how to make comfortable 5 and 6 figure incomes from home while attending to their families.


It’s Up To You

You don’t have to sit by and wait for your financial future to crash and burn. Make the choice to do something about it. Discover how to earn income at home with my free guide Real Jobs for Enterprising Stay At Home Moms.  I’ll show you how to discover your work at home style and a taste of the options available to you. It’s an incredible resource for jumpstarting your Work At Home Mom journey the right way.

What’s your greatest financial worry right now? Let’s talk about it in the comments.

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