When you start a home based business and you are the only employee, things can be simple. When you look to expand, hire employees and build your business, this can get a bit confusing. Good business owners know the importance of organization but they might not realize that streamlining duties like payroll services can save them time and give them confidence in their management skills. Since the employee payroll process can often create the most distressing problems, it is important that you find the right program for your needs.
Finding the Right Program
You will want to find a payroll program that is not too expensive but gives you all the tools to manage all of your employees. Payroll services like Intuit QuickBooks Payroll can give you both confidence and peace of mind. The program is so easy to use that you will feel like a pro. This program offers a one stop shop to completing all of your payroll needs in just a few easy steps. You can enter your employees hours, print checks or even use free direct deposit in just a few easy clicks of the keyboard.
This service should be a top choice because you can access everything for creating a streamlined payroll system from paying employees to paying federal and state payroll taxes.Another aspect to consider is having a program that will allow you to remotely pay employees. If you are out of town on pay day, all you need to do is hit the computer for a few minutes, log hours and send payment to your employees almost instantly! You can also pay yourself using this program so that you insure that you receive a salary too.
Payroll Taxes
Figuring out what payroll taxes you owe can be stressful and making errors can also be costly. Federal and State requirements are confusing and finding the answers you need can be frustrating. The great thing with Intuit Quickbooks is that the program figures out everything for you!
It not only calculates what you owe but also reminds you when to pay it! One of the biggest benefits is it also allows you to e-pay with just a couple clicks of the keyboard. This will insure that you are paying the taxes you owe, when you owe it. Small businesses cannot afford to get behind on payroll taxes. The ease at which this program operates is also a bonus because it is so easy to use and is not a strain on your already busy schedule. The program tracks, organizes and updates everything you need to be a success.
Nothing is more confusing than having to use multiple resources to manage your payroll. This program lets you organize what you need to be successful. Having a one stop, easy to use program will make you feel more confident and allow you to focus on other things in your business. Running your own home business and balancing family life can be hard but knowing that you have the resources to meet payroll needs is one of the best things you could ever wish for besides a successful business!
In the modern world it is believed women can have it all – the gorgeous husband, the beautiful children, the big house and the high powered job. But this belief doesn’t stop many new mothers feeling guilty about returning to work and leaving their child with family or a babysitter. Not only is there a nagging guilt that their child will miss them and miss bonding with them but also the fear they will miss their child’s important miles stones, their first steps, their first words, the instances parents want to be there for.
It might lessen the guilt somewhat to discover in a recent study in Australia of 4,500 preschoolers it was found children whose mums work part time were healthier than those whose mums work from home or work full time. The children spent less time in front of the TV and ate less junk food. The two year study also found part time mums went to greater lengths to spend time with their children and the time they did spend with them was of a higher quality and more interactive which as any mum will know means their child is more able to interact with others and be seen as society as a ‘well rounded individual’.
This study was playfully named ‘Do working mothers raise couch potatoes?’ and also reported some negative impacts for working mums. It found if a mum worked more than 34 hours a week there was a struggle to find time to engage in family activities as well as keep the house hold running with cooking, cleaning and washing, though this is a fact many single people who work full time can attest to.
However, having a little extra income is always welcome and gaining it through a job that offers flexible hours is even better. And if you are a mum who requires a little extra time on your hands yet still wishes to advance in their skills, then part time work is inevitably the answer! A part time job won’t take over your life, or prevent you from spending precious time with your kids, whereas a high-flying 9 til 5 career will take up a good part of it.
There are a great number of pros and cons to working mum’s and everyone has their own opinions, however this study and a number like it have shown there is unlikely to be any harm psychologically or physically to a child of a working mum and this should go some way to lessen the guilt they feel about having to leave their children be it for a few hours a week or longer.
Do you find yourself at a juncture in your life where you are not sure if you should choose to be a full time mommy or should choose a full time career? For some women their financial circumstances make it such that working full time is not an option but is instead a necessity. For other women however a choice can be made. You may not be able to be a full time mommy for all of the years that your son or daughter is growing up but at some point you may be able to make the decision to work from home in order to be a full time mother or to be able to leave your career behind all together (or just until your little ones are older or flying on their own).
Being a stay-at-home mother on a full time basis is hard work, just like going to a job every day is but it can be incredibly rewarding. You can be home with your children all of the time and can experience all of the ups and downs of motherhood. You are there for meals, naps and to help with schoolwork.
If you are presently contemplating making the transition from being a working mother to being a stay-at-home mother (SAHM) then there are some things for you to think about before you put your plan- and your new life choice- into action.
Your Money Situation
Take a cold hard look at your financial picture before you give notice at your job. Talk it over with your spouse and write everything out on paper so it is easy to see in black and white. Determine how much money you are spending when you go to work, i.e. on childcare expenses, transportation, clothing for your job and meals when you are at work.
By evaluating your finances and how much you spend when you go to work you will be able to figure out if quitting your job to stay home is worth it from a financial perspective. You might be pleased to discover that you would definitively be saving money if you gave up your full time career to be a full time at-home mommy.
Your Personal Feelings
How do you really feel about making the transition from working mom to stay-at-home mom? While there may be pros and cons on each side of the coin which side do you lean more heavily towards in terms of the pros? Ask yourself how you really feel about being a full time mom. Don’t be swayed, pressured or downright bullied by what other so-called well-meaning people in your life have to say. Their opinions are not yours. You need to do what is best for your family unit and you do not want to feel guilty about the decision you ultimately make.
You want to derive joy and personal satisfaction from knowing that you listened to your heart and did what was best for everyone involved. Being a stay-at-home mom suits many women but not all. The same can be said for being a full time working mom.
The Feelings of Your Spouse
How does your spouse feel about you staying home with the kids? Life will be different once you make the leap into full time domesticity and the two of you must be prepared for that. Your money picture will be altered and chores and errands will have to be viewed in a different light. Your spouse must realize that you work hard at home all day with the kids and he is not off the hook for chores when he comes home at night. You need to come to an understanding about chores such as cooking, cleaning and taking out the garbage that works for the both of you.
Remember too that you are taking on a new job- that of a full time stay-at-home mother while your husband will be the sole breadwinner in the family. Your roles will change and that is why it is essential that you make a plan beforehand. It can be wonderful though and a very happy time for you, your spouse and your children. There will be some stress as you adjust to the transition in your lifestyle but the kinks will be ironed out before too long.
Going to a restaurant on a family budget can be a challenge but it is doable, as long as it is an occasional treat and is not something you make a habit of doing because you are too tired to cook. It is nice to let someone else do the cooking once in a while after all! When you are watching your money and doing everything possible to stick to a budget it can all go out the window if you do not plan ahead before you go to the restaurant.
It has been estimated that for the average American family of four eating out at a restaurant costs in the range of $40 to $50. That amount is on the low end not the high end. When you consider that if you eat out at restaurants once a week you are spending close to $2,000 a year it makes you want to rethink your eating out habits. That is definitely an incentive to want to prepare more family meals at home and to sit around your own table and eat together!
Here are some suggestions to make eating out less expensive and less of a strain on your resources:
There are coupons, deals and specials to be had if you look for them. Go online to check for coupons at the websites of restaurants in your area. Or in some cases the specials will come to you! When you get ads and flyers in the mail for restaurants keep them in one place so they are easy to find when you decide that your family needs a restaurant night out together. Compare the specials from one establishment to another and go to the place that has the most cost effective deal to offer. Keep in mind too that you don’t want to have to spend a lot of gas money to drive to the restaurant. Choose an eatery that is as close to your home as possible!
There are restaurants that offer such deals as buy one entrée and get a second one free, or kids eat free specials or free beverage or dessert with the purchase of a meal. Look for family discounts in the newspaper as well as in magazines. Some restaurants advertise deals over the radio or on television. You might even might to call ahead to inquire about deals before you arrive.
Be realistic about how much food your children can eat. Do not order a whole meal for your young child. If the kid’s meals are not to your child’s liking then split a meal with your child or split a meal between your children. Wasted food means money wasted on a meal so make sure that you do not order more than is necessary.
There are plenty of family restaurants where the servers will understand that customers wish to share meals so whatever you do do not feel strange about asking for an extra plate so your children can share. If you do still end up with leftovers then ask for a container so you can take them home with you.
When you tell your children that you are going to a restaurant, treat it as a special outing. It should be about dining together and interacting as a family. Teach your children that it is something you do on occasion as opposed to something you do simply because it is convenient. You want the meal that you have out to be the family entertainment and you need your children to understand that. You also need them to realize that this is not something you will be doing every week. It is probably best to make eating out a last minute surprise as opposed to something they look forward to for hours or days beforehand.
As women we love our cosmetics and we spend a fair amount of money on them every year. However when we need to shave costs in our lives and save money we must look for effective ways to do that in every area we can think of- that includes our beloved cosmetics! Here we look at some ways to save as much money as possible when we purchase makeup.
- Do you wear makeup on a regular basis and is it a part of your daily routine or do you wear it occasionally, such as when you have a date, a job interview or a special event to attend? Consider when you wear makeup and how much it matters to you and then gear your shopping habits in that direction. Ladies who wear makeup every day will spend more money on cosmetics than those that wear it infrequently. Those in the former group will need to work harder to spend less on such a purchase.
- Buying cosmetics is often about trial and error. You go to the store, select a product that you hope- fingers crossed- will be suitable for your face but you take your chances. Perhaps it will become your latest favorite product but maybe it will fall flat and you will have wasted $20 or $15 or $10. But you didn’t need that money anyway, right? Wrong! Of course you did! Every cent counts which is why you should search for stores that allow you to try cosmetic products before you buy them. In this way your money will not be wasted.
- If there are no such stores in your community then you will be glad to know that some retailers offer their customers refunds or exchanges if they are not happy with the products they have purchased. Find out what the policy of a store is before you buy any type of cosmetic.
- Figure out which cosmetic products mean the most to you and from there decide which ones are worth spending more money on and which ones are not as important. If you love mascara because it makes your eyes look bigger then put more of your cosmetic dollars towards this item and less towards say your foundation, blush or powder.
- Applying makeup properly is often more important than buying expensive brands. For that reason purchase quality cosmetic brushes, applicators and sponges and learn the proper means of caring for them. By so doing they will last longer and you will not have to replace them as often. It will also make for a more professional look for you! When you buy good brushes then buying cheaper cosmetics will not be a huge issue.
- If one of your compacts gets broken such as your blush or eye shadow case then do not throw it out but instead save your broken cosmetic by scraping what is left of it into a small container or jar that has a good lid. Your money will not be wasted when you do this nor will the product. You can continue to use it until it is all gone.
When your birthday or Christmas is on the way put a bug in the ears’ of your loved ones and friends and tell them that you would love a gift card for makeup purchases or money that you can use to buy some new cosmetics. Receiving money or gift cards for holidays can help a lot when you need some new products.
