ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Ways to Plan Ahead Before Children so you can be a Stay at Home Mom

Updated on July 30, 2014
Source

Planning ahead so you can stay home with your children

It is admirable that you want to stay home and be the person raising your children. I have been lucky enough to be home with my sons the past five years and feel I have been doing the right thing for our family. I do realize this is not the right thing for every family, and in some cases both parents have to work. It takes planning and sacrifices to be home with your children. Here are some of the things my husband and I did to plan before we had kids.

Stay out of debt. We agreed to never put more than we could fully pay off each month (never carry a balance) on our credit cards. Luckily we had a good start because both of us believed in this before we met and we did not have any credit card debt to start with. If we wanted something we saved until we could buy it. Granted, our house is not paid off and although we currently do not have a car payment we have had car payments off and on throughout our marriage. We agreed house and car payments were reasonable debt to carry.

Start living on one salary before you have kids. I’m not suggesting the one staying home quits their job before kids. My suggestion is that you put the entire paycheck of the secondary income in a savings account you don’t touch. This will serve two purposes. First, it proves you are able to live on one salary. Secondly, it gives you a savings cushion should you need a new appliance, or have an emergency something happen you’d need to pay for while actually living on one salary.

Consider how to keep costs down. My husband and I looked at some beautiful homes we loved and could easily afford on both of our salaries before we had kids. Knowing we wanted children and that I was going to stay home we decided on a small house. It fits our family (some days barely) but we can easily afford it on just my husband’s salary. We chose reliable, but certainly not top of the line cars to stay in budget. We don’t have state of the art phones or other gadgets. We don’t have a home phone or every cable channel. We also don’t go out to eat as often as we used to. I don’t buy clothes for myself unless absolutely needed and even then I look for sales. I’ve been able to buy a lot of various items at yard sales. Childrens clothing can be like new (they outgrow clothes faster than they can wear them out) and cost a fraction of the new price. We’ve purchased scooters and other outdoor “musts” for active boys for next to nothing and in great condition. Sometimes you have to sift through junk to find the gems at yard sales, but for me it has really paid off. There are many ways to save money with a little thought and creativity.

If money is still an issue, consider other options. If all of this still isn’t enough, decide how much more than the one income you still need. Maybe it is possible for the second income to be earned from working at home, or working a job opposite hours your spouse works so one of you is always home with the kids. Once you know how much more you need, with some creativity and prioritizing you might even be able to shave that much money from your budget.

The early years of your child’s life are filled with a lot of firsts and opportunities to instill values and trust. By living a more simple life you can ensure that you will be the one experiencing all of the firsts and teaching all of your values. If you have more than one child you can raise your children together rather than separate rooms according to age in daycare. If you want to be home, the earlier you plan for this, the better.

© 2013 HeatherH104

Comments

    0 of 8192 characters used
    Post Comment

    • HeatherH104 profile imageAUTHOR

      HeatherH104 

      4 years ago from USA

      Meg, it's great your husband was home with your kids. It sounds like they really benefitted from it. It creates a strong family bond for the kids when they are raised at home.

      Thanks for sharing your beautiful story.

    • HeatherH104 profile imageAUTHOR

      HeatherH104 

      4 years ago from USA

      Thank you James! I think it is important for kids to have a sense of family and know their parents are there for them. My kids don't have everything the other kids have, but they go to a good school and have everything they need.

      Thanks for your comment. Have a great week.

    • DreamerMeg profile image

      DreamerMeg 

      4 years ago from Northern Ireland

      We did it the other way round, I went out to work and my husband stayed home. It suited us better that way. Living on one salary from having 2 can be a HUGE drop. I wish I could say that we had planned ahead but we didn't, still we have made it through and both are now retired. I really think the children benefited. If one of them was ill, there was no problem trying to find emergency childcare or pushing them out when they weren't fully better and there was always someone in the house for them. Children feel much more secure that way, I think. But again, each set of parents must make their own choice. I now see my daughter and son in law BOTH working part time, so their child gets some good time at home. I would not criticise any family where both parents go out to work - sometimes that is necessary or better for the children.

    • James-wolve profile image

      Tijani Achamlal 

      4 years ago from Morocco

      Thanks for sharing with us your experience.The tips are useful.I agree with hawaiianodysseus it s a beautiful way to live!

    • HeatherH104 profile imageAUTHOR

      HeatherH104 

      5 years ago from USA

      Thank you Joe! I have been enjoying every minute with them. :)

    • hawaiianodysseus profile image

      Hawaiian Odysseus 

      5 years ago from Southeast Washington state

      You have made wonderful and prudent decisions in advance of having children so that, upon their blessed arrival, you could give more of yourselves and your resources to them. This is a beautiful way to live, and you've managed to do very, very well by it. Blessings and aloha from someone who respects you and what you've done and are still doing...

      Joe

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)