For Moms Not Getting Paid to Raise Their Children

Believe me, I whole-heartedly agree that moms should be receiving some sort of payment, or at the very least.......Not to be penalized by our Social Security system for doing what mothers are really meant to do. Raise their children. And Bless those that can stay at home and take care of their little ones.

I am pretty sure that all you younger mothers out there don't realize this about the Social Security system, but when it comes time for you to retire, your up a creek without a paddle when you start getting Social Security. Take my word for it. I stayed home and raised 3 children, and I think one of them TWICE. hahaha. When it came time for me to apply for Social Security, I was in sticker shock. Big Time! Can you believe $290 a month?
Fortunately I had been working and stayed working until this January. Still that only bumped the total up to about $400 a month. Definitely NOT enough to live on.

Well, there is something you can do about it and I wish I had figured that out a hundred years ago. If at all possible, save up enough money, even figuring at minimum wage, to pay in to your Social Security at tax time, or even quarterly. That will help you build for your future Social Security checks. Be very consistent about it to. Don't take that money and buy a new dress or pair of shoes with it. Actually, I'd set up a TAX savings account and put so much in it per week, or bi-weekly. I don't remember what the current percentage of income it is now, but you could probably figure about 8% and you'd have it covered with a little left over. On a $7 an hour job, 40 hrs a week, that would work out to a little over $6 a week for Social Security.

Probably at some point in time you will chose to work outside the home. Mainly to help with expenses. Here is some advice. First figure out what you CAN do for a job. Check around and see what it pays, just the average. Now figure out what expenses you have on your car. Go ahead, add it up. Include repairs, gas, insurance, oil, all that necessary stuff. Figure out what it's going to cost you to eat out for one meal a day, say 5 days a week. What about clothing? Add that in to. That's an expense. Could be you have to buy several outfits, or even uniforms. Cleaning costs, work supplies, if any. There's probably more expenses to, but that's enough to get some idea what your job will cost you. Total them all up, multiply that by 12. Oh, don't forget childcare if you still have young ones.
Now, if you base this on a 40 hour work week, and you don't miss a single day (right), figure out what you will earn total. That's gross. Subtract the total of your expenses and see what you would have left. Did you faint? It's really a shocker when you total everything up.

All is not lost though. There are many things you can do from home. You can check around different businesses in your area to see if they need data entry work done that you can do from home, or many other things. Be careful about what you find on the Internet. If something looks good, don't sign up for it. Check the business out thoroughly first. The BBB, Scam sites, etc., government offices. Anywhere you can think to check, do it.

There's good reason to check Internet Business opportunities out thoroughly. The statistics are that about 95%-97% of people on the Internet fail. Absolutely! But the question is why? Could it be that a good 90% of Internet Businesses are scams? All this hoopla about making tens of thousands a month, $10,000 a week, and so on, without any work involved is to "pull you in". Never PAY upfront to see what an opportunity is. If your interested in one, and they offer a "free to join" option, do it. Why? First you are under NO obligation to pay any money out. Second, it gives you the opportunity to see what is really involved in setting up your own business with that opportunity and what it's ultimately going to cost you. What kind of help and support they have. Training. Advertising.

EVERY opportunity on the Internet, not matter what they say, takes work and dedication to make you any money. Also lots of patience and time. You won't make money in days, weeks or sometimes months, but eventually it will start coming in. That will also depend on how the payment structure is with the business you chose.

I really hope this little article will help at least one person that reads it. It's not meant to be negative about the Social Security system or to say bad things about the "honest" Internet Opportunities. This was written based on my own experiences, past and present.

Above all, enjoy life!