So you’re considering transitioning from working mom to stay at home mom? You’ve had your first baby with intentions of going back to work. Yet, you didn’t anticipate that after six weeks of maternity leave that you would have such a hard time leaving your baby behind.
You’ve also secretly discovered that you love being a stay at home, mom.
Now it’s just a matter of figuring out how to be a stay at home mom.
Leaving the world of the working mom and moving into the life of a stay at home mom can be challenging for some. But the transition from a working mom to a stay at home mom is doable with the proper preparation.
How I transition from being a working mom to a stay at home mom?
Let’s get all the facts about doing it before presenting the idea to your boss. In other words, Let’s prepare for this new journey before you quit your job.
Here are a few things to help you prepare for your transition from working mom to stay at home mom
What to do before you quit your job to stay at home with your kids
1. Talk to Your Spouse
First and foremost, you must talk to your spouse or partner. Being a stay at home mom and living on one income shouldn’t be a one-woman show if you’re married.
You have to make sure your spouse is in on the idea. You need to make sure that you both agree that this is the best way for you to raise your children and the most suitable option for your family.
For example, I made sure to discuss my feelings and intentions of staying at home with my husband. We together weighed the pros and cons and came to an agreement based on what was best for our family. So first, take the time to work it out with your spouse.
2. Review your Family Finances
Before making a significant choice as quitting your job, you should review your family’s finances. How will living on one income affect your lifestyle? What changes must happen to make sure your family will have the necessities? Sit down with your spouse or partner and go over this.
If you both have a hard time seeing the big financial picture, then do a budget! I highly recommended you learn how to do a budget and start implementing this today.
Honestly, budgeting is my saving grace. If you’re willing to learn how to budget and where to spend your money, then you will make your journey to be a stay at home mom easier.
Do a budget! Having a budget is so important for stay at home moms.
Second, doing a budget will allow you to give your money a place to go and get an overview of your monthly finances. I can’t tell you how important having a budget is. We couldn’t have financially managed me staying at home without a budget.
Every month, we work on the budget to figure out where our money is going. We also use it to tell our money where TO go.
If you’re not the budgeting type, don’t worry; you will be soon enough. Especially if you decide to cut the job cord, transition from working mom to stay at home mom.
3. Find a mom group
Being a stay at home mom can be lonely. Especially lonely, if you’re used to working with others on a day to day basis. It’s good to meet other moms for support.
Having support from other moms when you have questions, issues, or when you just need a helping hand can make your transition from working mom to stay at home mom feel more doable.
4. Have a goal before you go from working mom to stay at home mom
You’re going to be a stay at home mom, so now what? Don’t think that just because you gave up corporate life, your free from goals. You still need to have goals.
So yes, figure out what your goals are. Is your goal to go back to work after the baby is a year old? Is your goal to remain home until your baby enters preschool?
Are you going to be work part-time? Along the same lines, figure out your purpose for staying at home, is there something you would like to accomplish?
5. Know Your husband’s expectations
What are the role, responsibilities, and expectations if you stay at home? Think about your husband’s expectations of the household duties in your home. For example, after quitting their jobs, many women feel obligated to do the majority of the housework.
Some think it’s expected of them by their spouse. So first and foremost, grasp your husband’s expectations, whether it’s you focusing on the children, housework, pets, finance, or your work from home business.
Yea, I know some spouses/partners can be ignorant about what we stay at home moms endure all day. So talk things out with your spouse or partner and make sure you know each other’s expectations of your soon to be SAHM status.
6. Know that being a stay at home mom is not easy
You won’t get all the things you have on your list done. Being a stay at home mom is a full-time job. You are working on your kids’ schedules. So be patient with yourself.
You may not complete all the tasks on your list. So just prioritize what is essential and needs to be urgently done.
7. Stop spending
It’s so easy to hand over the plastic when you know that you have income coming in to cover it. But since you will be on one income now, you’ll have to learn to only spend on necessities.
Save, Save, Save! If you know you want to cut down on your work hours or quit your job entirely, you should start saving now
8. Save an emergency fund
a. Having a nest egg saved for a rainy day will help your transition from working mom to stay at home mom. If you become stay at home and you start to struggle or have an unexpected medical expense, you’ll feel prepared.
Having an emergency fund will make the emergency less stressful for your new one-income family.
I made sure to do this before becoming a stay at home mom. In honesty, I made sure to do this before getting pregnant, as I started paying off my student loan debt at the time and wanted to go about it the right way.
9. Keep your foot in the door as a stay at home mom
If you’re like me and you want to keep your foot in the door, then ask your manager about being a per diem employee. Per diem, means that you don’t receive benefits, but you work when they need you on days you’re available or have childcare.
Due to the nature of my career, I wanted to make sure I could jump back into my job at a moment’s notice. So I keep my foot in the door for this reason. I have known women to give up their careers entirely, and when they have hardship, they can’t as quickly get themselves back into the workforce. I’m a realist. I know that things happen. I want to prepare as much as possible.
However, If your career does not allow you to keep your foot in the door, then make sure you have ample savings and a means to make money until you can get back into the workforce if needed.
On the other hand, if you have no interest in going back to a job you despise then work on making money online from home and building an online business.
10. Figure out your healthcare insurance
Know before you leave the working mom tribe and join the stay at home moms tribe about your health insurance. Here are a few options to think about.
- Is a health insurance grace period offered through your job?
- Will you do a shared fund like Christian ministries?
- Does your husband or partner’s plan offer better benefits than the marketplace?
You must get this figured out beforehand, accidents happen. So make sure you have insurance so that your family will not be on their own when the medical bills pile up.
Also, be sure to have health insurance plans for your kids. Make sure your babies are covered so that they can get the best care possible.
There is nothing more stressful for a new mom than the thought of leaving her baby to go back to work. If you’ve decided to transition from a working mom to a stay at home mom know it can be challenging. Yet, with ample preparation, the change can be a smooth one.
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