Note: This post is to help those who want to stay at home with their baby, feel comfortable with their decision, and even perhaps help with some money saving/making tips. If you are a working mom, and have no desire to stay at home, or you are a single mom, or whatever the case may be, this is in no way putting you down. All moms who love their kids and provide for them are super moms, in my opinion. However, if you are working, and you would just love to stay at home with your little one, but don't know how to afford it, maybe this post is for you!
I knew I wanted to stay at home with my baby before I even had him. I actually was a stay-at-home wife all the years that I have been married. You could say that my husband and I are already used to one income, so that made an easier transition, however, I think baby costs are always a little bit of a shock. For one thing, I had planned a birth center birth, and had paid in full every cost, but I had to be transported by ambulance (cha-ching) from the birth center and taken to the hospital (more cha-ching) where I still birthed naturally, a healthy little boy and we stayed for two nights (can I say it? more cha-ching!). This made a lot of unforeseen expenses that I'm hoping helps me write this in such a way, as to help you make a decision on whether you can afford to stay at home with your little one.
If you are anything like me, as soon as you see that little bundle of cuteness, and fall so deeply in love with your squishy, squirmy, poopy, screaming, baby and you don't want to miss a moment of their lives. It may make you step back and (if you were thinking of going back to work) wonder, '
is there any way I can stay at home with my baby?'
Yes! I think that you can! Here are some things to think about:
1) Daycare
Not only are there questions on who you can trust with your little one, but it's also a very expensive decision. Because I've never looked in to daycare, I had to do a little research to find some numbers on how much it costs. If these numbers are wrong, please comment, and give me better numbers, so I can make this post more accurate. According to the
*Boston Globe, the average charge per month for my state, is $700. This means that if you make $2,500 a month, you have only $1,800 left to spend on other things.
2) Meals and other expenses
My family still eats out a couple of times per week. Now, that could be eliminated if we needed to cut back on expenses. If you eat out at work, and get take out a few times a week, this can be a couple of hundred dollars a month! If you are at home, you can fix meals for your family, and pack lunch for your husband. Pinterest is full of cheap meal ideas, and quick ones too! Other work related expenses include the gas it takes for your commute, business attire, and gifts for coworkers. These little things really do add up. My husband is a teacher, and we see a definite increase in funds when he is at home. Even if we only put this at $100 a month, you are now up to $1,000 spent in daycare, gas, meals, and clothes.
3) Cutting Back
I think that staying at home, might include some sacrifice on your families part. It may mean a smaller house, only one car, making smarter food choices, etc. It may mean cheaper diapers, second hand clothes, and a not quite so elaborate first birthday. For me, it's not a sacrifice, when I think that I get to be home and catch all the 'firsts' with my son. There are hard days as a stay at home mom, because you are a housekeeper, cook, and daycare worker all in one, but to me they are all worth it!

What about ways to make money?
1) What can you do?
I am a church pianist, and I love working with kids, so it was a no brainer to teach piano. Others can crochet, quilt, play guitar, etc. As a piano teacher I make about $400 a month. I could make more and add students, but having a baby does make days quite busy. Add that to the $1,000 I'm saving, and I am getting close to what I would actually be making (especially since I do not have a degree, and possibly wouldn't be making quite the $2,500). Perhaps you can find your niche that allows you to make some money and stay at home with your little girl or guy. Because my husband and I aren't in debt, we take the money that I make, and make that our savings. That way every cent (except for our tithe, of course) that he makes, goes into providing for the family.
2) What if I can't really 'do' anything?
Some people get into selling make up, watch others' babies, etc. My mom has cleaned churches and offices to make enough to stay at home. The website
http://moneysavingmom.com/ has great information on ways you can make and save money while staying at home...maybe you could even start a blog!
Last, but definitely not least, if you feel that God has called you to stay at home, HE will provide! Don't worry or fret. Plan? Yes! Set a budget? Yes! But let God show you just how He can provide for your needs, and you will be amazed!
I hope this has helped you. Do you have ways of saving, or making money as a stay-at-home mom? I would love to hear about it!