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Full Time Mommy or Full Time Career?

by Tina on November 23, 2011
category: Finances

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.

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