Working from home is a goal that many people want to achieve, but fail to reach because they aren’t sure how to approach it. The first hurdle is money; how can you sustain your living if you don’t have a large amount of savings to your name? The second hurdle is knowledge; what can you do with your knowledge, do you need to learn new skills, and what career choices are there for you to work from home? Lastly, we think about job security; why risk your comfortable 9 to 5 job for a chance at working from home on your own terms?
Hurdle 1: Finance
If you want to save money to stay home, then you need to learn how to budget. Write down a list of your expenses, try to cut down on luxuries, and start saving money while you still have a job. Try to reduce as much as possible and start utilizing some frugal measures in order to save more cash. You’re going to need quite a lot of money to sustain yourself while you’re making the transition from regular day job to working from home, and you’ll need even more money if you want to invest in starting a business or hardware and equipment to make your at-home job possible. Don’t skimp on essentials, but practice living a frugal life so that you can prepare yourself when you leave your work.
Hurdle 2: Knowledge
Thankfully, it doesn’t take much money nowadays to study online and there are thousands of courses to pick from. For example, Find Your Context is a fantastic website for people who want to study online but aren’t sure about their choices or what they should pick. With so many choices available, it can be hard trying to discern what’s the best option for your at-home career choice. In most cases, a creative course such as writing or design will make a great freelancing career. However, if you want to start a business, then having a good foundation with business studies will be essential to starting up your own company. If you already have knowledge of a creative skill, then t might be worth spending your free evenings researching how to become a freelancer. With some hard work and a bit of luck, you might even be able to moonlight as a freelancer while still working your day job. It will give you some experience and a taster of what it’s like to work from home.
Hurdle 3: Job Security
Let’s face it, working from home means that you’re going to be reliant on clients. If you start a business, it also means that you could fail at any moment, and it’s never a fun feeling to realize that your company is going to collapse and you have no backup plan. If possible, stick with your job for as long as possible. Reduce your hours if you have to, but try to secure as many streams of income as possible, or save up a lot of money to use while you’re out of work.
But what about you? Have you created your mission statement? And why is it important?
A mission statement helps to make sure you stay on target with your business. It answers the question, “Why do you exist and whom do you serve?”
Mission statements are part of your brand. In fact, they are the foundation of your brand. A well thought-out mission statement will give you visual clues as to what your brand image should look like.
A well written one will also help you discover your Unique Selling Proposition (USP). What is it that distinguishes you from your competition? What makes you different? What benefit do your customers get when they purchase from you?
Jesus gave us a mission statement to make disciples of all nations, baptizing them in the name of the Father, Son, and Holy Spirit.
Corporations and organizations know that mission statements are part of their branding. They make sure that every employee knows the company mission statement. In addition, corporations and organizations will often write vision and values statements, too.
I experienced this when I worked for a Christian para-ministry in Colorado. It was drilled into my head. I often designed the mission, vision, and values statements.
In fact, it was drilled into my head so much that I decided to create my own mission, vision, and values statements! I designed it into a chart which also included my callings.
This changed my life! I was able to filter opportunities and say yes or no depending on if it fit my mission, vision, values, and callings. It helped me to reach for higher dreams and to stretch myself more. It gave me confidence as I sought God’s will for my life.
And in business, a mission statement will do the same.
What if you are a direct seller or representative of a company? Read More→
At times, it seems as if there is absolutely no justice in this world, and then something wonderful happens making up for almost everything. This past week I was fortunate enough to experience one of those rare jewels of life.
I must say not all weeks are like this. My weeks usually range from bad to worse to when will this ever stop?
A normal week for me is when I take two steps forward and get run over by a car. Or, just when I think I’m caught up, I discover I’ve been working on last week’s to-do list.
Not that I’m complaining because complaining never gets anywhere in life. At least, no place I want to go.
A man who complains aloud is a man who is not married. Wives have a way of turning their husband’s complaining into “Well, its your own fault.” It’s amazing how this one phrase can cover a multitude of sins.
So, I’m not complaining, I’m just musing on my life and celebrating a great event this week.
I got home on Tuesday and the Gracious Mistress of the Parsonage was not there. I made myself a cup of coffee and got comfortable in my easy chair to rest from the labors of the day.
A good cup of Joe goes a long way to smooth the rough edges of any day. No sooner was I settled than the telephone rang. It was my wife.
“Are you home yet?” she said in a very meek and quiet voice. From the tone of her voice, I knew something wasn’t exactly right.
For a moment, I was tempted to answer her question in the negative. But then I do value my life. I knew the question was rhetorical and was not the reason for her calling. Something was up.
“Could you come over to the church right now?” she asked.
I had just settled in my easy chair and was a little reluctant to extricate myself from my comfort zone. I could, but I wondered why she wanted me to come over.
It wasn’t my birthday so I knew it was not a surprise party. It wasn’t our anniversary. And as far as I knew I was not in any trouble, which in itself does not rule out my being in trouble.
“Why,” I queried.
“I just need you to come over here right now, pleeease.”
When my wife says “pleeease,” I know there’s a very good reason for it. Namely, she is in trouble and needs my assistance. Granted, this is a rare occurrence.
“Is there something wrong? Are you all right?” I asked.
“Well,” she hesitated, “I think I locked my keys in the car.”
Life does not get any better than this. Read More→
According to a Nerdwallet poll conducted by Harris Poll, 64 percent of Americans have accumulated some amount of credit card debt. But the reasons why people overspend is enlightening. In fact, the poll found that only 10 percent of Americans say the most common reason for credit card debt is that their income doesn’t cover everyday necessities.
There could also be psychological factors at play for overspending, like indulging in retail therapy when feeling down and out or having a bad day. But old-fashioned financial sense — like separating wants from needs in your budget — are also factors in overspending. It may seem like a no-brainer that needs are crucial for survival and wants are not. But is your grocery cart full of snack foods and ingredients you could do without?
Take a moment to reevaluate your needs from wants and take the next step toward financial health with these tips.
Focus on the Function
It’s easy to get wrapped up in the idea that you need a new house or car in order for your life to function better. But take a closer look at the issues. If your house has adequate space, but you’re feeling cramped, it’s probably worth waiting it out until your finances are in a place so you can upsize your lifestyle. Or, consider putting a little money into fixing up the attic into a new space instead of buying an all-new home.
The same goes with a car. Your car may just need a new timing belt and set of tires to get it running better. At the same time, don’t be tempted to keep driving a clunker without considering the dangers involved. Thin tires prone to poor air pressure can burn up more gas than a set of new tires. Get creative on ways to save by visiting a site like Tirebuyer.com for deals on tires and direct delivery to your mechanic.
Think About Cross Categories
It’s possible to have wants and needs on your list that blend together. For example, Internet hookup could be a need if you’re trying to grow and run a business from home. However, you may not need the most robust package to make it happen.
It’s easy to overspend on Internet hookup costs if they’re bundled into a phone and cable package. But dropping your landline phone service in favor of a low-cost cell phone plan through Republic Wireless could save you money. You can also cut cable altogether by streaming shows from Netflix, Amazon Prime and Hulu directly to your TV with a service like Apple TV or Chromecast. Read More→
From the time, we wake up in the morning till we go to bed at night, thoughts are coursing through our minds. Not just one thought but many. In fact, according to Dr. Leaf we can think 4 to 7 things are the same time.
One day last year I remember feeling gloomy all day. I didn’t want to talk to the kids, I was feeling a lot of anxiety and discouragement over business and finances. I didn’t know why. Life wasn’t that bad but I couldn’t seem to get my feelings out of the gutter. I stopped myself and looked back at the week asking, “What has happened that is leading to me feeling this way?”
It took a while for me to sort through my thoughts to recognize the underlying problem. I realized that earlier in the week I had gotten a phone call about a job I had done that needed to be corrected. It was a minor thing, but from that little incident my thinking had been spiraling downward for several days. I was negative about my abilities in work, which snowballed into worrying about finances (since work is a livelihood in my mind a bad job mean less money).
Things like this happen to all of us. The problem is that we can’t let our thinking spiral because of it. Rather than just knowing that we are grouchy, we must get to the root of the issue.
In 2 Corinthians 10:5 we are told how to take every thought captive. It says, “demolish arguments and every pretension that sets itself up against the knowledge of God, and we take captive every thought to make it obedient to Christ.”
The verse says to demolish arguments and pretensions which are not in alignment with the knowledge of God. Here is why it is so important to know who we are in Christ and to know His promises.
An example in this situation would be that my thoughts were saying I’m never going to make it as a business woman because I made a mistake. However, that is not what God says. God says, “My ways are higher than your ways and my thoughts higher than your thoughts.” (Isaiah 55:9) He also says that He knows the plans He has for me to give me a future and a hope. (Jeremiah 29:11) And He says that He loves me and calls me His child, reminding me that I will be like Him if I continue to hope in Him. (1 John 3:1-3)
God has given us the ability to separate from our thoughts and take authority over them. In His Word He has given Read More→
Usually when I write something having to do with working from home, it’s about how to create an income. However, making money isn’t the only necessary ingredient in the stay-at-home recipe. The flip side of the coin is making some sacrifices and finding ways to save money.
When my husband and I first made the decision that I would leave the corporate world in favor of working from home, we knew it was going to take more than just me finding a way to bring in money from home. The amount that I would be making was half – or maybe even less – than I made at my corporate job. We needed to find a way to make it on his Air Force salary and my very small financial contribution.
Get Rid Of Non-essentials
In order to cut out some of our living costs, we sold one of our cars and for the next several years I drove around a lovely (I use that term loosely) car that had been my grandmothers. It certainly wasn’t my dream car, but it got me around town and we also saved a LOT of money when the time came around to pay tax and licensing fees.
We also cut out cable and anything else that we could find in our budget that we could live without. It’s amazing what things we consider “essential” that truly aren’t.
Keep Things Simple
Another aspect of our life that received serious cutbacks was eating out. This was a hard adjustment for me at the time. When I worked full-time outside the home, it seemed easiest many nights to just stop and pick up supper on my way home. And once I began staying home every day, I still wanted the ease of fast food.
I wish I could tell you that I found a way to make that work, but of course that’s not the case. Instead I began working on my cooking skills and learning to make easy, simple meals that kept us within our food budget each month. Read More→