How do you deal with the stress of the economy-being a stay at home mom and not sure what is going to happen next?

Denise - posted on 03/03/2009 ( 14 moms have responded )

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I am a stay at home mom with 2 kids 4 & 9 months. Everyday I am worried about my husband calling and saying he no longer has a job. There seems to be no jobs available right now how do you deal???

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April - posted on 03/03/2009

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I am a stay at home mom with 5 kids. Although my husband has a pretty secure job, I know that nothing is certain. I also know we are in God's hands, and that gives me great comfort in these crazy times. I try to enjoy what we have now, and economize when possible. we sock away a little (and I do mean little) amount of money out of each check, and most times, when we need it for an unexpected bill or something breaks, its there. I clip coupons like mad, and shop for my kids'; clothes at yard sales and on clearance racks, and trade with other moms. Do you have a church home? and are there mom's groups available? it is helpful and sometimes comforting to do things with other moms, I love the mom's bible study I go to! I hope some of this helps.

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Nicole - posted on 03/04/2009

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The economy is a scary thing at this time. I to have children and I am a stay at home as well. I realized I need the flexibility to pursue extra money on my time just in case. Recently I did some research and found that there are fews for anything you do at home, However tons of these things are not a legit business. They promise so much and the results are not going to happen. I was happy to have found a Company that the fee is not heavy to start. I also found the fee puts money in your pocket, It is not a get rich fast scam. It is legit and It is powerful.I have started a business as a Mobil Day Spa Consultant. There is a start up fee that you can make back right away. I really enjoy the company as they do believe in faith.The Team I am with is very helpful. If you would like to start your own business please contact me. I look forward to helping you. I figure the answer is that you can not sit and wait till it happens, You have to make it happen. It is a motivational business with genuine people and the flexibility is awesome!

Nicole - posted on 03/04/2009

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My husband and I have to trust in the Lord with all our heart knowing that His grace is enough and He will never forsake us. It is very tough and stressful too as our human feelings and emotions get the best of us..BUT at the end of the day HE is in control and our Hope is in Him and Christ alone.



Additionally, I just started a bizness from home that will help supplement our income with God's blessings. It isn't a huge monetary amount but I believe once it is off and running, the Lord will multiply it for His glory. God Bless!

Leanne - posted on 03/03/2009

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Hi Denise,

I was recently faced with this problem as most people are now and I am thankful that I had a plan B. I'm sure you've been hit with a bunch of home-based business prospects and that you can do stuff from your home. Do those people really work for themselves making an ongoing income or do they have to have parties and shows to keep the money coming in? I know that I wouldn't want to have to do that my whole life so I created my own "Unfranchise" and am building a steady income with a team of partners. We give each other support in all areas and sell over 2,500 exclusive products, not just one...

If you are interested in getting more information on a plan B you can contact me. Maybe you would sleep better at night knowing you and your family are safe from the economy. I know my family is. I can offer you a six figure residual income, time and money freedom in 2-3 years. I'd love to talk with you soon.

Regards,
Leanne Zirbel
262.909.1555
zirbs@unfranchise.com

Katie - posted on 03/03/2009

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Have you ever heard of Dave Ramsey? He is a financial "expert" who has an extremely common sense outlook on personal finances. My husband and I have read one of his books "Total Money Makeover," and we're putting ourselves on the plan it describes. In short, Ramsey advises readers pay off ALL debts (cars, credit cards, student loans, etc.), build up a six-month emergency fund and start saving and investing for future use. When we finish our plan, we won't have to worry about my husband loosing his job because we'll be able to pay the bills for six months should he be unemployed. Ramsey's plan has a series of baby steps that make getting there manageable. Not easy, but manageable. Knowing that we're heading in the right direction with our finances really sets my mind at ease about our security and future.

[deleted account]

Quoting Christine:

Keep in mind that 92% of people are still employed. Keep being positive; I know it can seems stressful in this economy as you pay bills, etc., but worry stresses everyone in the household. It's amazing how kids pick up on mom and dad's stress! My husband works in the auto industry and I have 2 sons in college...I could spend time worried about the future, or spend time being grateful for all of the gifts we have. We have to trust that God has a plan for all of us!



I couldn't have said it better myself.  To add to what Christine said, we have found a few ways to cut back our expenses. 



1) Living in Florida can be really hot sometimes but we bought fans and as many days as we can, we open the windows and turn off the air (or heat lately).  Not only does it cut my electric bill, it freshens the house. 



2) I do only large loads of laundry.  If it's smaller than what fills the washer tub, I don't do it until it's full.   I have an extra capacity dryer and sometimes I even do double loads in it.  The dryer is famous for eating up electricity so if I can get away with it, I only run the dryer with 2 loads in it.  I run it a little longer than for just one load but it's not as long as running 2 seperate loads.



3) COUPONS COUPONS COUPONS!  I won't say that I ONLY buy sale or coupon items, but I cut coupons for stuff we always use (like laundry soap, butter, tampons, etc) and I bought a coupon folder that fits in my purse to keep them organized and, most importantly, I USE them.  Before, I was famous for clipping coupons and then forgetting about them.  With the coupon folder in my purse, I rarely forget.



4) No more going to movies.  We only do pay per view now.  It's cheaper, I can pause to pee and I can eat my own pop corn.



5) Dollar Store.  I buy a LOT of household things from the dollar store.  Pretty much all of my cleaning supplies, laundry soap, bleach, shampoo, deodorant, tooth paste.  Dollar store.



6) If they have it available in your area, get your phone, internet and cable on one bill.  It saves money...not a lot but my one bill is about $15 cheaper a month than the 3 seperate ones were before.



7) I know this is gonna sound gross but I don't flush often during the day.  Our water bill was getting out of control so I started only flushing every other pee.  "If it's brown, flush it down.  If it's yellow, let it mellow." LOL I know, I know....gross.  But it's just me and my son at home during the day so it's not a big deal.  I am lucky enough to have a guest bathroom so if anyone comes over they don't get a surprise in the toilet.



8) Also to save on water, we only run the dish washer every other day.  In the morning, I make a sink of dish water and use that until about noon to wash miscellaneous stuff instead of just putting it all in the dish washer.



9) Even though gas prices have come down a LOT, we still don't go very many places.  We make trips to the park on Sundays, when my boyfriend is off work.  I try to do all my errands and grocery shopping in one day and I make a route so that I go in a circle from my house, place to place and end up back here without zig zagging around town.  The rest of the time, I plop my son in his stroller and go for a walk. 



Hope these tips help!   

Christine - posted on 03/03/2009

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Keep in mind that 92% of people are still employed. Keep being positive; I know it can seems stressful in this economy as you pay bills, etc., but worry stresses everyone in the household. It's amazing how kids pick up on mom and dad's stress! My husband works in the auto industry and I have 2 sons in college...I could spend time worried about the future, or spend time being grateful for all of the gifts we have. We have to trust that God has a plan for all of us!

Nicole - posted on 03/03/2009

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Hi Denise, I just wanted to share with you what I do.  I decide to work at home to help with uncertain times we are having with the economy.  My husband did just get laid off  last week, hopefully it is temporary, but I have a great business going at home to help with our expenses.  I've been working at home for three years around my kid's busy schedules.  I'd love to share more information with you if you are interested.  Please ask for information on my website at www.familytimefirst.com or you can also email me at ndilly@iw.net. Thanks Nicole

[deleted account]

hello Denise, I know how you feel. I also think this same thing everyday. I have recently started my own business to try and build it up in case something happens w/ his job,



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April - posted on 03/03/2009

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My friend was recently faced with this problem. If you wait until it happens, you can't shut off cell phones, satellite and others due to contracts. So, lower any bills that you can now, to prepare for when you husband is without work. One thing I do to save on money now is to shop with coupons. If it's not on sale and I don't have a coupon, I don't buy it. Any extra money goes to paying off bills or put in savings. My goal was to make sure that if my husband were to go on unemployment, it would cover our monthly expenses. If he should get laid off, I can go get a job at minimum wage if needed. It may not be much money, but with that and his unemployment, we'll be okay.

Kelly - posted on 03/03/2009

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You are certainly not alone in feeling this way!



We own a photo studio and right now it is slow. I know that things will pick up but it's a long haul from Christmas to wedding season! I agree with the other moms in being a little more proactive in getting resumes updated if need be. I also found that when my two were smaller that it really helped to get out of the house....even if it was just story time at the library. It gave us a reason to be dressed and ready. I have friends that were really freaked out when we announced our plan for the studio. They can't comprehend that there isn't a relied upon pay cheque every two weeks. We've grown a little used to it....there's our busy season to catch up and have the chance to put some money aside for next year.

Bethany - posted on 03/03/2009

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I have my own home based business that I run from my kitchen table at naptime!  I started it with the fear of there not being enough work for my husbands business and now MY business has taken on a life of it's own!  I LOVE IT.  It also makes me feel useful and like an adult (instead of the overgrown  friend that can cook my kids think I am!) I have an 11 year pld a 3 year old and a 14 week old.

[deleted account]

I try my absolute hardest to just remind myself that somethings are not in our control, but I trust that things will always work out (even if its not the way I want). I have been looking on the internet for different jobs and such that I could do in the event that we needed more money (like at night or around his schedual) or if he lost his job and I needed to return back to work permanetly or until he got a new one. www.monster.com . I have my resume and his updated and ready to go in the event that we need them ready ASAP. Basically, it helps to plan ahead and be prepared so you don't have the rug pulled from under you. Now that I have a plan, I just relax and trust that everything will be fine either way. I know it doesn't do us (or our sanity) any good to sit and panic all day long about the bad/stressful/scary/sad things that could happen to our families so I just tell myself to relax and trust in my ability as a Mom and a Wife to provide the best way I can in any situation. Then, I go and play with my kids. Nothing helps me feel more at peace then building worlds out of leggos or showing how to draw hundreds of rainbows with a handful of crayons. As a matter of fact, I think I will say good bye and round up my little buggers now for a fun filled event of making homemade bread. The result is bound to be worth several pictures. Hahaha!

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