"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> urbanMamas

Budgeting to Support a Stay-At-Home Parent

Kudos to Mary for choosing to stay-at-home despite a drastic income differential.  She's seeking your advice on preparing for the changes in income and budget advice.  She writes:

We are expecting our first child the beginning of July and we are planning on me quitting my job to be a stay-at-home-mom.  And, with thoughts of having  one more and wanting to stay at home with them until they are both at least two years old, we are looking at a dramatic shift in income and the lifestyle that goes along with it for at least 4 years. This is a very scary step for us as our income will drop by over 40%. Does anyone have tips and recommendations for preparing for this income change and for living within a much smaller budget over the next few years?

Comments

Feed You can follow this conversation by subscribing to the comment feed for this post.

We did the same, although dad was the one to stay at home. All I can say is tighten the belt, be prepared to do without some of the extras, and forget about eating out except on special occasions. Of course, with a little one it's hard to eat out at nice places anyway. :-)

I'd highly recommend starting a budget, if you don't have one already, and really sticking to it. I'd also recommend starting a separate account for special purchases. You can put little bits of cash in now and again and then use it for a vacation or a new appliance or whatever other big purchase you may need. Sort of saving up for a rainy day type thing.

Good luck and congratulations on your impending bundle of joy!

We did this same income shift recently in our household. For the six or so months prior to baby's birth, we lived on my husband's salary alone and put (almost) everything that I made into a cash fund. This gets you used to living on one income and gives you time to figure out what cuts you need to make, while still giving you a buffer.

In the first 4 months of SAHM'ing we still needed cash to cover expenses. As we continue to change our habits, we've had a few months where we made it by without touching the cash fund.

Clearly, large changes in lifestyle will be required. You can find lots of those types of tips on finance sites and various other places. Search for "Living Below Your Means."

I've also found that it helps if I am vigilant on returns for gifts that we don't need, to then get store credit. It all adds up. I used to spend $20 without thinking. Now I evaluate expenditures that are just $5.

Hooray for you making this decision. It's a tough one to make, but I have to say the rewards are incredible. Full disclosure, I work ever so slightly outside the home still, but consider myself as stay at home as they come given that weeks can go by without me working and when I do it's usually a weekend or evening so dad is home. My gut response to the whole budget issue is, you'll be surprised how easy it really is to do. We cut our income in half when our first was born and I stayed home. And you know, we just didn't miss it that much. I have no clue where the money was going before! My advice is to start by putting things on paper and working from there. Take your current budget and pull out things that will just naturally stop, like extra mileage if you drive to work, lunches, lattes, dry cleaning, etc. All that kind of stuff you only spend money on because you're working. Pull out quite a bit of your eating out or recreation budget because you'll have more time to cook now and won't need those "last minute eat outs because you just don't want to cook" dollars as much. Pull out the recreation dollars because, frankly, you just won't want to go out as much with a little one. I know I spend a lot less on groceries now that I did before (even 2 kids later) because I'm cooking differently, fresher, that sort of thing. I'm sure other folks will offer tons more budget (really not my strong point!) advice so I'll stop here.

But, non-budget advice. As you're doing this planning it may start to seem kind of overwhelming to have made this choice until you have that babe in your hands (by then you may still question the sanity of it, but you'll have a little more grounding in having done it). Keep a couple of things in mind. Life has a totally different pace when you stay home. For me, it's more peaceful, I need less, I can create more. The lost dollars just don't matter as much as I thought they would. It's temporary, so those long-term financial things can be on hiatus for awhile and you won't be losing a lot of ground. You'll question things you spend money on a little more carefully and it's easier to say no to things. If you really need a reality check, figure out a budget based on paying full time childcare and then you'll realize you'd still be figuring out how to cut your budget because you'd lose quite a bit to paying for that. And you'd be missing out on some incredible years. I say that not to make judgement about non-SAHMs because I know people make different choices for different reasons. I'm just saying that if that's the choice you're making, you can't put a dollar amount on it. It's purely emotional. And you'll need reminders of that sometimes.

Finally, find a way to connect with other moms. Staying home can sound great, but the reality is it can suck from time to time. You need other mommas around to hang out with, gripe with, play with, that kind of thing. You'll learn about whole new sides of yourself and I know I needed a place where that could grow. Good luck to you.

I have been a SAHM for almost 6 years now. The budget is KEY! You will need to evaluate all your spending, but you will be amazed at how much you can save easily, just because you aren't working. For instance, we didn't eat out as much because I was at home and had time to cook (instead of rushing from childcare and coming home exhausted). I didn't need any of my clothes dry cleaned any longer, because I don't wear anything that can't be thrown in the wash. We got rid of a car and I usually walk or ride a bike with the children. If I do need a car my husband rides his bike or uses the public transportation. We use cloth diapers and that saved a lot of money as well. Most days it is easy to stay on track with your budget. You will look at your child(ren) and be so happy that you are home with them. However, I would recommend a slush fund for those bad days. We write it into our budget. On the days you wish you were working or could go out to lunch it really helps to spend a little bit on money to spend on yourself.

I think tips depend on your current income and lifestyle. Changes like omitting daily luxury coffee drinks might not apply if you don't indulge in that habit, for example.

It seems wise to understand your finances very, very well. Know what you make and spend and know exactly where your money goes. If 60% of your bank statement withdrawals are "cash", you might need to start saving receipts or using a program like Microsoft Money or Quicken to record your financial life. Know your non-negotiable expenses (housing, food), plan for an emergency fund and anticipate new expenses like baby gear, diapers, and life insurance.

Once your income and expenses are crystal clear, you can prioritize your cuts. These might be big or small -- it depends on the picture you start out with. Maybe you will need to move to less expensive housing and sell a car or maybe you will just need to stop buying lots of extra stuff. It totally depends on your individual situation.

Reducing consumerism in general and going green can often lead to extra cash. I find these things bad for the environment AND expensive:
manicures
most cosmetics
excessive clothing
prepackaged food
excessive gift-giving at holidays
disposable diapers
aluminum foil, zipper bags and plastic wrap
pets (sorry...)
new clothes
so much plastic junk
battery operated toys

We have two accounts - one is for fixed expenses like mortgage, car payment, daycare, phone, natural gas, electric, etc. Include all fixed, predictable expenses and setup automatic deposits and bill payments so that your fundamentals are taken care of automatically each month. I'd suggest a automatic payment to yourself as well as an automatic deposit to a savings account. Adjust your automatic monthly deposit to this account to just cover these expenses plus a little wiggle room.

With the remaining funds, you are able to look at your necessary but variable expenses like groceries, cash, household necessities, commute expenses etc. At the end of the month you can always ride the bus instead of fill up the gas tank but you can rest easy knowing the mortgage is never at risk and the heat will always turn on.

Also, track everything in Quicken or another program and run the household like a business. Appoint a CHFE or Co-CHFE's (Chief Household Finance Executive)with designated responsibilities. Prepare a budget, categorize and track everything. Even if you run short some months you'll know why and can come up with a plan to adjust.

Finally, use a single page spreadsheet budget with your entire monthly cash flow. You can adjust it as things change but you can always share and discuss your monthly outlook with your co-CHFE in a fairly simple format.

Contact me if you'd like a copy of my spreadsheet to use as a template or inspiration. It's a work in progress that began over five years ago and is more simple today than the day it started.

One key thing for me isn't about budgets necessarily -- it's about being patient with purchases that would just be so great (i.e., for me, a new dining room table, a new kitchen countertop, some big ticket landscaping). I have to relax and realize that these items will be possible in a few years -- our luxury now is having me stay home. Patience, patience, patience.

I work some from home, but we definitely don't have the income we would if I worked full time. One thing I've noticed is that it helps to surround yourself with people who have similar finances. If all your friends are talking about vacations in Hawaii and new cars, if their favorite activity is shopping . . . you'll start to feel poor, even if you have all the money you need and you love your time with kids.

I agree with so much of what has already been said. We essentially lived off of one income while waiting for our first. We were adopting and all of my income went into savings. It got us into some good habits. We really sat down and thought about do I need another pair of jeans or do I want to be a parent?

I still work very part time and we try to put that money directly into savings. This allows us to have an emergency fund. It also allows us to spend on some fun things -like weekends away and trips. Of course if you camp you can still get away and not spend a lot. There are options for almost everything.

Even with me working part time we have juggled so we have never spent much on daycare. I did the math years ago and if I went to full time and we paid for daycare we would have no extra money at the end of the month.

Eating out is a huge expense. I use the crockpot a lot and we eat leftovers. I tend to be out and about with the girls and that can make getting dinner ready challenging. We also get a weekly produce delivery. I evaluated it and found that it costs around 20% less than New Seasons and the quality is around the same. This way we have high quality produce in the house. I also am forced to cook with it or I feel guilty if it rots.

My partner almost never eats lunch out. She keeps cans of soup in her desk for days that she didn't have time to put something together in the morning. That alone saves over $100 a month.

I would also encourage you to avoid places like Target. Those red sales stickers make everything look so tempting. Before you know it you have spent a considerable sum and you need to find someplace to store the stuff. I went there this morning with my oldest to buy some sweatpants. It would have been so easy to walk out of there with 7 pairs (it would only be $20) instead of two for under $5. The extra $5 - $20 spent here and there is what can kill a budget in the end.

With all that said you do still need to have fun money. If lattes are your thing then budget having one a week. Or go to the movies once a month, eat take out, etc. You need to give yourself something or you will not stick to it.

There are also a lot of free or low costs things to do that get you out of the house. Indoor playparks have been a godsend for me. An OMSI membership can seem expensive but worth it in the end. Many libraries offer great programs. We also encourage people to give us the gift of an activity. There is a lot of low cost and still wonderful children's theater in this town.

The other thing I would also be careful about are credit cards. We have friends that have lived off of them and it is a mess. That can be a big hole to dig yourself out of - plus I cannot personally handle the stress.

Good luck.

I faced the same dilemma and have a few suggestions. For day to day savings, my biggest recommendation would be to get the Oregonian and use it for coupons and keeping track of sale items, especially on groceries. Paying attention to the prices of particular items that you buy all the time will give you an idea of when there's a good deal to be found or not. Safeway has $10 off coupons on the backside of the foodday section quite frequently. This also goes along with meal planning (and can be even more beneficial if you plan around sales). We try to plan our meals for the week so that we can use the ingredients for more than one dish and not waste so much, which we were really bad about before.

You'll always be able to find clearance racks for kids' clothes as well. I sometimes buy clothes for my daughter a year ahead of time so that I can get them on end of season clearances. It's really amazing how small savings can add up over time.

Also use cloth diapers and breast feed your baby, as disposables and formula can be really expensive.

Don't forget that your clothing budget for yourself will probably go way down as well, since there isn't a need for nice work clothes. Also, being able to fit into your pre-pregnancy clothes again will be just as good as getting new clothes. I found that I had a lot of clothing that I'd completely forgotten about throughout the long pregnancy, and it was almost like getting new clothes.

Good luck.

So much good advice here - but by far the best is to start living on one income right now and banking the other one.

Since you're not due till July, that will give you a solid half-year of experience on your new budget before you have the baby (and let me tell ya, going over spreadsheets of the home finances when you're a sleep-deprived wreck is no fun).

Also, if you have any major debt, besides your mortgage, I'd use that saved salary to pay it off while you still have the income.

For us, owning just one car, not eating out a lot, home-packed lunches for my husband, cooking from scratch and very little frivolous spending are really key.

At the same time, I have to acknowledge that what really makes this possible is that we got into the housing market here ten years ago and have a mortgage that's affordable even for a family whose breadwinner works in the environmental field.

A couple comments from a 4 year SAHM:

Budget. Get to know the 3 R's. Reduce, Reuse and Recycle (Jack Johnson). Then, we put together a projection of our monthly expenditures by line. IE: mortgage, electricity, etc. We then looked at how that matches up with his income. We then make it match (by having less.. or barely any! discretionary "fun" money). My husband pays the bills via online banking, I buy the stuff that keeps the house going. Based on our balancing our expenses vs. income, I know how much I have to spend for every pay period. I tape a sheet of paper in our pantry, where I reconcile my receipts every couple days to insure that I haven't gone over my bi-monthly allotment of cash. Normal people balance their check book, but I do this sheet thing and it works for me. Since it's posted it helps keep me on track as well. The money part is the hardest for us. We both have a hard time saying no to things we want. We also analyze even a $5 purchase. For us, it sucks always feeling strapped, but the payoff is being with the kids...
Being With The Kids. There are great days and there are lonely, frustrating days. To stay at home is still my first choice, but it has been more difficult than I thought it would be. Try very hard to honor your feelings (I don't love every moment with my kids...sometimes it's a drag!! no guilt!) and also try to connect with other Mom's and their kids. This is key. This site is great for getting to know local Moms.

Everyone has such great advice! I'll add one more: 5 years and 2 kids later, I wish I hadn't been so quick to assume I'd just stay home and be a full time SAHM. Even if you don't plan on going back to work, keep in touch with your workplace and employer and such. You may change your mind about staying home full-time, or you may decide to go back half-time, or whatever. Being able to step back into your old job or using an existing contact for a job if you find yourself in a financial pinch would be soooo much better than having to look for a new job or accumulating credit card debt.

Oh, welcome to my world! Well, except that we never HAD money to begin with... A few things:

I don't know how broke you are going to be, but check out stuff like WIC and Food stamps! Every little bit helps, and you may be surprised what you qualify for! Also the Oregon Health Plan, and there is a program to help pay your phone bill - like $15 a month or something - hey, every little bit help! Call DHS and they can give you the info for everything at once and mail you forms.

Second, buy as much of your food as you can at Winco.

Third, don't buy new clothes for yourself or your baby. You really don't need to. Between Naked Ladies Parties, Freecycle, and Craigslist, you can get enough free or inexpensive things that are also cute! Babies don't start wearing out their clothes until they're at least 18 months old, so, if a mama is pre-treating her stains, used clothes will be in like-new condition.

It took me time to become comfortable with the idea of using social services, but I finally came to the realization that my family was more important than that little bit of pride that was holding me back, and I also realized that a lot of people who love me pay taxes to these programs, and would be happy to know that their tax dollars were helping us through this challenging stage in our lives.

Also, to help curb your food budget, check out www.savingdinner.com They have a Frugal Menu that they send out that contains six meals a week and all the ingredients in a pre-made shopping list. It will help keep you from blowing your budget on convenience foods. There are free sample menus on their site that you can try and see what you think, but the subscription is pretty inexpensive, too.

Good luck!

Oh I forgot to say - most of the government programs look at your income over the last 3 months to determine eligibility, so don't bother to apply until you've been on your reduced income for three months. And if you apply for OHP first, you can use the OHP acceptance as proof that you qualify for WIC, so you don't have to submit all your pay stubs again.

I have to second the person who said that it's important to stay in touch with your former coworkers, and keep it in the back of your mind that you might really want or need to return to the workplace. It's very difficult to go back to work once you've left, in a lot of cases. I've had several other SAHMs tell me that five years later, they wish they'd worked at least part time - both for keeping their skills and resume fresh, for getting a little bit of a breather from motherhood, for being being able to keep their home in a neighborhood with a better public school, for being able to support their family after a tragedy of losing a husband, and so forth. Otherwise, I also agree with the people who said that forming a network of other mamas is critical - it can get so isolating otherwise! This isn't to discourage you at all, because staying at home can be wonderful if you can make it work and feel the sacrifices are worth it - pasta and tortillas can be made into LOTS of different meals, and if you have a garden, learn how to can your veggies! Congratulations to you and your family for being able to go the route you want to go!

Frequent Goodwill and find a good consignment shop for ALL the baby clothes. Buy sizes ahead of time if you see very good deals. Don't be too afraid of the Goodwill toy bins - if you really dig around, you can find wooden puzzles with all the pieces, cute IKEA things, and so on (I avoid the stuffed animals, but ...). Just be prepared to have lots of second- and third-hand things and make the hair clip your friend so that you can skip the salon. If the early months with baby get frustrating, take heart that the later months have all new rewards that you couldn't have anticipated. I think it gets harder, for new reasons, to leave them after they're 1, an after they're 2 ... pretty soon you might realize they're in first grade and you still haven't gone back! And the latte habit CAN be broken (put a decent drip coffee machine on your baby registry! It's funny, and someone will buy it for you ...) Good luck!

these are all great comments....how about reading Your Money Or Your Life for some inspiration on life change? We didn't implement the plan per se - but the concept was really helpful when we downshifted to one income. It has been amazing. I still don't see how it worked - but it did. We still overspend sometimes, but we did this when I worked as well - so it's always a struggle.
This post just inspired me to find a new/better budget system as well - need to get back on top of things after holidays.

Try to stay in touch with networking - but don't panic too much. Doors always open when you look for them, and also, I think the future job markets will be much easier after boomers retire (when and if they are able to retire...) but many industries are already seeing this impact.

so many things I would have done differently if I had to do it all over again -- I especially liked what Janice said about surrounding yourself with people who have similar financial values. it's hard to resist the invitation to go to dinner at a moderately-priced restaurant one or two nights a week while you're pregnant -- after all, you're soon to be much less available for that sort of thing -- and soon you're spending several hundred dollars a month on eating out.

I think I overspent a lot during my first and second pregnancies (and not a penny during my third! go me). even though I generally avoided buying big-ticket items like cribs and changing tables (wait until you're used to the baby before buying this stuff -- you never know, you may realize suddenly that you're a co-sleeper and your crib will end up, like ours, a laundry storage facility), I couldn't resist this cute toy or that cute outfit. now I'm reaping the "rewards" of my spendthrift ways and spending lots of time and effort reducing my clutter. don't buy anything you think you can borrow or get used (that cute bouncy seat only works for a few months -- you can have mine!) and ask around in your family for heirlooms.

definitely avoid single-purpose purchases (both my sister-in-law and I eschewed a changing table for our second babies, preferring to use a pad on the floor). can't decide what stroller to buy? wait until you know for sure if you'll be jogging, or if you're more of a babywearer. you get the picture.

it's also probably useful to evaluate your life and think, not "where can I save money?" but "where can I not spend at all?" I tried to hang on to the pre-baby travel schedule -- you know, weekends at a bed & breakfast, occasional jaunts to san francisco or chicago or the east coast -- but really? I'm way happier now that I see a weekend coming and think about spending time at the farmer's market, or just sitting around the house baking cookies and knitting, instead of how I need to pack and plan and travel. it took me a long time to get here, but I'm so much happier with a slower, simpler life.

not that I'd turn down an invitation to go out to dinner somewhere fancy EVERY time... ;)

Lots of good advice here, and I dont have anything specific to add other than to say that chances are, you wont find this as big of a challenge as it seems now. Depending on your current lifestyle and financial situation, you'll probably find that your focus shifts so dramatically once baby arrives that you wont miss the dinners out, travel, shopping, etc as much as you think you might. We did it...prior to having our first baby, I was bringing in probably 60% of our household income, so we were really nervous about losing that income all together, but it wasnt that hard. And over the years, my husband's income has increased with raises and promotions, so things have gotten easier in many ways. The discretionary spending was the biggest line item to be slashed in our budget--eating out, shopping, travel--but those were things that we found pretty easy to cut once the baby was around. We still eat out a bit, and travel a lot but more just to visit family than for vacations just for us. Now that I'm not working I dont need a professional wardrobe (or drycleaning), and my husband tends to buy more inexpensive clothing for work rather than shopping Nordstroms because his dress code is casual at his work place. Follow the tips here for a few months and you'll probably find that you dont miss the "stuff" you have in your life now, especially once baby arrives. Good luck and enjoy!

As daunting as losing the income feels, it was even more intimidating for me to let go of the identity and social life of the Working Woman. But Motherhood has not redefined me as much as it has added meaning to who I already was. I wouldn't trade my daughter my decadent past. And really, she is the best boss I've ever had!

You and your partner may find it hard to justify the $$ to go on a date, but it is sooo important to find ways to stay connected. This winter, my husband and I traded in snowboarding for cross country skiing. It costs $15 to rent the sled to tow our daughter.

There are some good resources for mamas (or papas) and babies in Portland. To name a few,there is Bookbabies at all Multnomah Co. Libraries (free). Portland Parks and Recs Community Centers have Baby Gym(.50-$1) and a variety of baby classes(low dough). This is not only good for baby. It's a great way to maintain some semblance of a social life.

Another thing that maternity did for me was make me less linear and more creative.Thus, I began sewing in my daughters infancy. I make her clothes out of thrift store finds and old clothes of mine. Not only has this saved us $$, but these are heirlooms as well. I've spent less in the past year on homemade cloth diapers and laundering than I did in the first three months on a diaper service.

Congratulations on your new family! Once you meet your child, you will probably find that budgeting your money comes more naturally, with their future to consider.

Like others have said, I agree with so many of these comments! We moved to Portland from California (leaving all of our friends and family behind!) so that I could be a SAHM. Imagine our disappointment and frustration when we found out that I am not cut out for the job. I had a corporate job for so long that I didn't know how to balance a home life, parent our two children, and feel good about it. I missed the social element, the time-crunches, lunch with friends....

For me, the answer was diversifying my life in a way that allowed me to stretch my problem-solving / income producing / social muscles on a daily basis. I found an excellent opportunity in Direct Sales that allows me to be home 95% of the time while still building and managing a business part time. I work around 10 days per month.

I felt better right away as I was able to teach women nurturing rituals to take care of themselves and empower other women to start their own profitable businesses. The extra income started out as simply taking the edge off of our reduced income and now has turned into "real" money. There are so many similar opportunities out there and you are certainly welcome to ask me any questions about my biz.

www.sensaria.com/cscott
cscott@mysensaria.com

There's a website I consulted when bugdeting for staying at home called www.mvelopes.com. I don't actually subscribe to the web site, but I do use the idea. Basically, set aside cash (actual cash in an envelope is hard to do, thus the virtual cash in an envelope on the computer)for all your purchases and expenses. When the cash in the "envelope" is gone, you're done spending. (Spend only money you have - what a radical concept!)The great thing is that it gets you to set aside little bits of $ each month for say, vacations or gift-giving or even your water/sewer bill so that when the bill comes due or gift-giving time comes you can spend the $ knowing you have it and without guilt. If you need to go over budget in one area, you can clearly see where else in your budget you could steal it from. It's been a great thing for me. I have to admit, I'm NOT a good budgeter, and I spend too much on groceries for sure, but this has really helped me keep track of our finances. It requires some time tracking all your spending, but once you do it, it's easy to keep it up. I think just setting up something like this now, before the baby comes so you can start tracking things now would be a great head start. I also think Your Money or Your Life is a great resource and offers a good way to look at money in general.

Wow!!! Thank you all so much for sharing your experiences. We have definately learned a lot from your postings and I feel relieved to have such good advice to draw on.

These are all great ideas. I actually didn't work while pregnant so we were used to the single income by the time the baby came. And over 3 years later, I'm still home. I agree with the other posters who said it somehow isn't as bad as you expect because you have so much more time to plan. It defintely can be done.

I did want to comment on the last poster who mentioned the Envelope idea. I did this on the advice of a coworker a few years out of college to get rid of some Credit Card Debt I had gotten into while living in Chicago. I was in trouble since I had never had a salary before (or a budget). I created categories and envelopes for everything, and every paycheck I took out a set amount and into the envelopes it went. I could "borrow" from another envelope if I had to, but couldn't go back to the ATM. It really helped me get out of debt, and could definitely seriously reduce spending if you find that staying home puts you on a very tight budget.

I'm a food writer at The Oregonian and looking for Portland families eager to put their food budget on "a diet." The idea is to try to reduce food spending over a month in whatever ways you can handle. I'll be tracking three households in February for a forthcoming story, with the hope of gleaning tips that all of our readers can apply, especially now that grocery costs are creeping up. Any urban mamas out there who love to cook, wish they didn't spend so much on groceries and are interested in participating? If so, shoot me an email and tell me about yourself. Lesliecole@news.oregonian.com

Cleaning supplies was something I found we were spending WAY to much on.
We now use dish soap, dish washer soap, laundry degrent, baking soda, vinager, rubbing alchol, and bleach. You don't need Mr. Clean (use diluted bleach or vinager) and Soft Scrub (Use a mixture of baking soda and vinegar) and carpet freshner (use baking soda)
I think we save over 100.00 a year not buying that stuff, although we still splurge on the wipes.
We also tryed out some no so name brand shampoos and conditioners and found out what works for us in the department too.

I have to add that a major place to start saving, for me, has been on hair care products... I used not hesitate paying $10+ for shampoo and $10+ for conditioner. I also think I didn't hesitate because I have sort of hard to manage weird curly, kind of dry hair. Anywho, Herbal Essences ROCKS. So hydrating and softening. Much better choice at $2.50 a bottle.
Dry curly hair tip I just learned that has kind of changed my life... no cringing... I don't use shampoo. Only conditioner and a good rinse. My hair feels so much softer. I have been wanting to tell someone that. :)

Hey Mary, I understand your decision in quitting your job. All I can say, to help making income while you're at home, you engage on internet. You subscribe or register to sites that accept online works. I'm sure it will help you.

Verify your Comment

Previewing your Comment

This is only a preview. Your comment has not yet been posted.

Working...
Your comment could not be posted. Error type:
Your comment has been posted. Post another comment

The letters and numbers you entered did not match the image. Please try again.

As a final step before posting your comment, enter the letters and numbers you see in the image below. This prevents automated programs from posting comments.

Having trouble reading this image? View an alternate.

Working...

Post a comment