How to Decide Whether to Be a Stay at Home Mom or Working Mom

by Patrick on April 27, 2009

My wife and I are expecting our first child, which means we have a thousand and one things to do before our little one arrives. One of the things we can check off the list is deciding whether or not my wife would continue working after we have our child or if she would be a stay at home mom. I’ll save the suspense – we have decided it is in our best interest for my wife to be a stay at home mom and raise our child at home.

The decision for us was fairly easy – we had been preparing for it since we got married 2½ years ago. Shortly after our wedding we began preparing to have one parent stay at home. We paid off all our debt and started living on less income than we earned. Shortly after paying off all our debt, my wife took a job that paid less, but offered a better quality of living. We decided at that time to live on my salary and split her salary between saving for retirement and building a nest egg.

But the decision isn’t always an easy decision for everyone to make, and there are many factors that come into play. Here are a few things to consider:

Should you be a stay at home mom, or a working mom?

Can you afford it? This is the first and most obvious factor many people consider. Giving up a salary is hard to do, especially in a difficult economy. But you might not be giving up as much money as you would think. After you take into consideration the costs of daycare (anywhere from $4,000 – $15,000 per year), taxes, commuting, professional wardrobe, eating out, and other work related expenses, your take home pay may be less than a third of your actual salary. If you can afford to give up that amount of income, you may decide it is not worth the headache of juggling the stresses of work and raising a family.

Do you want someone else raising your children? This was the deciding factor for us. My wife and I prefer to raise our children instead of shipping them off to day care for the first few years of life (we do not have any family close enough to help out). Your situation may differ if you have a relative who can watch over your children while you work either full or part time. But we want to cherish the time we have when they are young.

Will being a stay at home mom hurt your career? This is an important question to ask. Taking a several year hiatus from the work force can set your career back if/when you decide to return to the work force. But that doesn’t mean you can’t remain active and work on your skills while you are a stay at home mom. You can work as a freelance writer, remain active in professional organizations, obtain professional licenses or certifications, teach online courses, teach evenings at a local community college or university, go back to school, start a small business, etc. There are many other proactive things you can do to lessen the affect of being out of the traditional work force for several years. You may even decide to use this as the launching point for a new career.

Should you stay at home, or return to work?

You will probably get an opinion on this from just about everyone, but this is a decision that should be made by you and your spouse. For my wife and I, the decision was easy. But I know it is a difficult decision for many people.

I would love to hear your thoughts on being a stay at home mom, or returning to the work force after having children.

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{ 77 comments… read them below or add one }

1 Lola August 3, 2009 at 8:56 am

I have to call in less than ten minutes! See my husband is a police officer and we are living paycheck to paycheck right now. But between the sub pay and the gas money, and the money I will spend on getting my room ready, also 3 days a week child care, my mother in law would help two days (if I help her out with the grocery bill)–I just dont know if I can really afford to work! Thanks for all your help. Will let you know what I decide.

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2 Lola August 3, 2009 at 8:59 am

I have to call in less than ten minutes! See my husband is a police officer and we are living paycheck to paycheck right now. But between the sub pay and the gas money, and the money I will spend on getting my room ready, also 3 days a week child care, my mother in law would help two days (if I help her out with the grocery bill)–I just dont know if I can really afford to work! Thanks for all your help. Will let you know what I decide.

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3 Briana M. October 8, 2009 at 2:10 pm

i feel that moms should work and let the children go to day care!

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4 Karen October 17, 2009 at 1:15 am

My fiance and I have talked extensively about this topic. We finally came to the decision that, when we have children, I’ll stay at home and raise them, as well as homeschool them (for K-8 years, and then private school for high school). I plan to go for a masters through an online program or start my own home business (or write a book) while at home. With a masters and continued community involvement, it will help me to stay career viable in the event of a family crisis (medical bills for children/spouse/self, layoff, house burns down, etc).

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5 Nita November 1, 2009 at 7:51 am

Staying home is a personal choice. I never felt comfortable doing so because I loved working. I have four kids and a supportive husband who worked from home for 4 years while owning his own business. Also, the reason staying home didnt’ work for me was when my husband got laid off from his job, we were happy that I had a viable income such that the total financial burden of the home didn’t rely completely on him. Also, we perferred to send our kids to school by the age of 3 yrs. Also, we did the alternate work schedule for a time when he first started his at home business. After our youngest turned 3yrs, my husband was more than happy to work outside of the home and sell his business. Staying home is a matter of choice. I personally would have been unhappy doing so.

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6 Amanda November 17, 2009 at 7:56 pm

I’m not sure it is fair to say that those of us that have to use day care are “letting someone else raise our children.” I use day care and am absolutely positive that I – not the day care provider – am raising my 12 month old daughter. I understand why some people feel this way, but it isn’t a fair or accurate assumption. In fact, I sometimes think about staying home and have actually decided that my daughter might not be better off. I never would have thought this possible, but she loves being able to be around all the kids and loving teachers. Just wanted to note this for anyone reading this article. When I have my second, I still may stay home….it’s a tough decision for sure.

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7 Kimberly December 13, 2009 at 5:08 pm

I agree with the last comment posted. It really angers me when I hear comments derogatory toward working moms, such as “they are letting someone else raise their child if he / she goes to daycare.” Being a SAHM or working mom is a personal choice and no one should be made to feel guilty for the choice they have made with regard to that part of their life. Would it be better for a mother to stay home with her child and risk losing the house because financially the family will just be scraping by each month? Even if I were able to stay home, I would still want my son to attend daycare part-time each week. He loves playing with the children, making arts and crafts, story-time and all of the other activities offered at his school. I am confident that he is being stimulated and having fun each day while I am at work, and I spend each night loving him up and being a good mother. Whether I work or don’t work, does not have an impact on my mothering skills, and I am not letting someone else raise my child.

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8 Karen December 26, 2009 at 6:52 pm

My husband and I are trying to make this decision right now. I think that daycare is letting someone else raise your children. I mean, by the time everyone gets home, it’s almost time to go to bed and then how much time are the parents really spending with the children compared to the daycare worker. I would like to stay home, but we are finding it difficult to figure out how we can afford it. I earn more than my husband, but we both would rather me stay at home with the children. I am a certified k-8 teacher and could home school. Plus, with breast-feeding, etc. etc. I am the obvious choice :-) .

I appreciate everyone’s input and I appreciate your honest opinions. I will let you know what we decide and why.

Thanks,
Karen

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9 Victoria December 26, 2009 at 11:29 pm

Yes, I do understand working or not working is a personal choice. We are in the age of “whatever makes Us happy”. We are talking about little lives being molded, by others. I’ve worked and stayed home. Let me tell you ladies, if I had the knowledge of the impact on my child’s life it was to have me home, I would do it over in a heartbeat with my child I left in daycare. It is a blessing to be home with the little ones. The only guilt being felt is the heartstrings being tugged by knowing what the right thing is to do. May all of you struggling with this decision choose what is right for your child. You can never get those years back. All I can say is Budget, Budget, Budget. With God All Things Are Possible.

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10 vijay kulkarni January 9, 2010 at 10:37 am

in a few words comment on this the best way to making money without harrashment.

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11 Jenn January 10, 2010 at 8:54 pm

Being a working mom to a 3 year old, I struggle with this decision every day. I work full-time and hate it. IMO, working part-time is the perfect solution. It allows a foot in the door as far as the workplace and staying fresh but also allows the one-on-one time needed. Working full-time only allows limited time to spend with your kids because here is the reality of a day- get up, take kid to “school”, work, work, work, pick kid up, get home, start dinner, finish dinner, bath, small amount of play time, bed, and repeat X5. Then the weekends are for packing in family time along with ordinary household chores. There never seems to be enough time. Make certain to factor in commute time when making your decision but this does take a big chunk out of the day as well. This is just my input but it is coming from someone “living the dream” and it isn’t working for me.

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12 ann January 21, 2010 at 11:17 pm

In today’s society we are expected to work and deciding to stay home to raise your children has no longer become a way of life. I am a stay at home mom of also 4 children. I can tell you now it has been the best decision we have ever made. No it has not been easy and most of the time exhausting, though it has been extremely rewarding and fullfilling to know that we have instilled our family values, faith. Our children are in their teens now and always thank us for the decision we made. Remember material things come and go, a childs love is priceless.

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13 Vikki February 4, 2010 at 8:36 pm

First, thank you to all of the working mothers out there. Working moms who put their heart and soul into their kids after all day at work amaze me.

Thank you also to everyone who mentioned their desire and need to spend more time with their children. Being young, I feel so much outside pressure to continue with my career, to reach my potential, and too often I feel that many do not consider motherhood as a way to be successful. Being a mom in any context is important, but judgment on a personal decision on how to take care of the people you love the most is hurtful and nonsensical. Who could think that they could have more carefully or correctly analyzed your family’s situation then you, who cares more for them than anyone else?

God bless anyone who understands that ALL mothers love their children.

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