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[S964]Stay At Home Vs Working Mothers
by Christian Wards, Chr

As the majority of the public struggle within this industry, it is even harder for the students. While racking up huge debts to enable them to study to achieve that dream job, with wages which they intend to one day pay for that dream house, they can't even leave their bedroom in mum and dads house because they have no money.

Last year 40% of women, and 60% of men, ages between 20 and 24 were still living with their parents while they wanted to get their own place. They have been dubbed “Kippers” “kids in parents' pockets eroding retirement savings”.

While many young people wish to leave their parents abode, they simply can't afford to. The average graduate debt after leaving university last year was in excess of £13,000. This is set to get even worse due to the controversial decision by the Labour party to introduce tuition fees (which rack up to £3,000 a year!). With these added up for three years, and including the current charges, it comes to a whopping £22,000 of debt before they have even begun working.

Things are set to get worse before they will even begin to get better, however. The UK is rapidly heading towards a US university model which will mean future graduates may have to pay £7, 000 or more a year in fees. The average debt for a three year course may be £21, 000 for fees alone. Coupled with student loans, a student may leave university owing upwards of £35,000.

It is true that most student loan companies to not demand a penny back until the ex-student begins to earn a decent amount, but it is not that easy. Years ago, it was virtually unheard of that somebody would start their adult life in serious debt. Now it seems to be the norm. The sad thing is, these youngsters are only in debt because they wish to better themselves and get a decent job.

Solutions

So what can be done to resolve the crisis? Resolving the crisis in the short term may be a difficult thing to do because of the impact of the turmoil created by the credit crunch. Whilst the government may able to provide assistance to those wishing to get on the property ladder, this will not be enough. It will take several years before house prices reach a realistic (and affordable) level. Carrying tens of thousands of pounds' worth of debt will not help matters and the government may need to rethink its strategy of burdening students with debt. We may need to return to the days of free university education in order to move forward in the long tem. Either that or watch our children move out in the fifties, something none of us would like to endure.


Home business owners come in every age, nationality and description you can imagine. It is easy to run a home business as a part-time occupation and this makes home business ownership attractive to all sorts of people, both male and female, from students to senior citizens. However, the largest category within this varied group is made up of women, in particular stay at home mothers who are caring for young children. There are stay at home dads in evidence amongst home business owners but they are hugely outnumbered by the ranks of stay at home moms.

It doesn't take a genius to work out that this predominance of stay at home moms running their own home businesses is due to the fact that most women want to bring up their children themselves but also need to work at least part-time in order to supplement the family budget. Instead of reluctantly handing the care of their precious children over to strangers, these home based working mothers have found ways to combine childcare and working for a living and are doing it under their very own roofs.

Working from home while bringing up their children is the perfect dream scene to many working mothers and that dream can be turned into reality, but it doesn't just happen, it takes careful planning and organisation. If unrealistic goals are set or organisation is lax, the perfect dream can rapidly deteriorate into a nightmare scenario. Then the mother/home business owner, instead of having the best of both worlds, ends up harassed and frustrated and regretting her decision to start a home business.

The key to making a success of a home business and, at the same time, giving your children the attention they need, lies in planning which takes into account three elements. These elements are the needs of the child, the requirements of the business, and the needs of the mother. Many work at home mothers make provisions for the first two elements but don't factor in their own needs. In order to achieve a perfect balance it is essential that the mother, when planning her daily routine, recognises her own limitations as a human being and does not try to work to a schedule that would stress even Superwoman.

Looking after young children is stressful in itself, it is the biggest responsibility any of us can ever take on. Running a business can be stressful, particularly when you first start the venture. Add on the fact that most mothers put themselves last in any consideration and the danger will be obvious. To succeed, indeed in order to survive, any mother of young children who is thinking of starting a home based business must make a realistic assessment of her personality and abilities right at the start. This will enable her to choose the right business, set achievable goals and to formulate a sensible daily schedule.

If the work at home mom feels confident and able to cope with her dual roles as a home business owner and mother, she will be relaxed and happy. The children will pick up on their mother's mood and, in turn, they will feel secure and happy. A happy frame of mind and a relaxed atmosphere will make children (even from early toddler stage) more inclined to be co-operative and to play independently while their mother gets on with her work. If children don't feel they have to compete with mom's business to get her attention, they won't feel the need to behave in a nagging, demanding way: just knowing mom is there will be enough for them.

If the mother feels she is doing her best for her children as well as her business, she won't be burdened with the negativity caused by feelings of guilt. Get the three way balance right and being a work at home mom will be just as you dreamed it should be.
Article Source : Pg. 281

About Author
Both Christian Wards & Elaine Currie are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Christian Wards has sinced written about articles on various topics from Finances, Mortgage and Finances. . Christian Wards's top article generates over 590 views. to your Favourites.

Elaine Currie has sinced written about articles on various topics from Internet Marketing, Family Concerns and Web Development. Have you achieved your work/life balance? If you are a home based working mother looking for ways to make money working at home, visit Elaine Currie's
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