CWAHM Devotional

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Work-at-home mom: take a deep breath and Do Life Different as you allow these devotions for work-at-home moms to fill the vacuum of your needy heart in the chaos of your busy world.
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There’s a big difference between buying and selling a property and becoming a fully-fledged property developer. Maybe you’ve dabbled in the market in the past or maybe you’ve simply sold a previous house to move into a new one. Whatever the case, the thought of entering into the property investment game “properly” shouldn’t overwhelm you. Anybody can do it, as it’s much like starting any home business. You invest and work your way up from the bottom, building a portfolio of talents and becoming more recognised in the industry as you progress.

Growing any home-based business is about preparing for any eventuality. That’s the key to becoming a successful property developer. You need to plan before you get stuck into this hectic but exciting world. If you have enough money set aside for your first investment, you need to also be ready for failure. That being said, if you’re smart about the way you approach things, you won’t fail. Here are some tips to help you get started with investing in property the smart way.

Plan out your objectives.

As with any business model, it all begins with a solid plan. You may not know whether this is the right calling for you yet, and the thought of getting stuck too deeply into the property investment might deter you from getting involved at all, but even a part-time developer needs to have some sort of plan. You might only want to dip your toes in the water of property investment, but you should create a list of goals and objectives for the first property you plan to buy.

You should also be thinking about what kind of development plan you have for any property you buy; are you buying to let or buying to sell? The exit strategy is everything in the property investment game, as anybody can buy-to-sell. Selling is a good short-term strategy, especially if you’re unsure about the property game, but you want to test it out. If you’re in this for the long haul, however, then buy-to-let might be a more permanent, feasible option for you to start building your property empire and carve a career out of this venture.

Cut costs before you buy.

This seems like an obvious piece of advice, but most people simply think “cutting costs” means reducing the upfront price that you’d ordinarily be paying for a property. Haggling over price could save you money, of course, but there are far more substantial ways for you to invest far less money into a property than you would if you leaped at it straight off the bat. You could check out this beautiful illustrated explanation of the 1031 exchange in order to understand a way in which you could legally defer capital gains on a future investment, for example. This is only one of many ways that you can get around costs and taxes which are entirely unnecessary.

You should also be comparing the costs of properties within a certain area. Think about the factors which go into determining the value on a property. If something seems to be a “steal” or the seller seems happy to accept a lower offer, you need to ask yourself what might be wrong with the property. If it simply needs structural or interior work, perhaps that’s a challenge worth taking on for a determined developer in the right neighbourhood. Of course, if the neighbourhood itself is what has driven the price of the property down, then perhaps it’s not worth the risk. Be realistic about factors such as how much the property will cost you in terms of upfront price and any renovation needed. You don’t want to be coughing up a lot of money and time for marginal profit.

Remain a calm seller.

The downfall of so many property developers is greed. It’s an exciting business, as the potential for massive returns on your investments is undeniable. However, if you find yourself getting too carried away, your ego might blind you to the actual value of a property you’re selling or planning to let. If you put up a property for far too much money, don’t be surprised when it garners absolutely no interest from the market.

Buyers are smart, and they know how to shop around. If you’re disillusioned about how much better your property is than others, you’ll fail to see than other homes in the area, offering a great location and contemporary style, much like yours, are flying off the shelves because they’re up for a much lower price than the house you’re selling.

Keep the property neutral.

The key to a good developer is a minimal developer. I say this not because minimalism is a popular stylistic option for houses in the modern age, but because minimalism prevents your personal tastes from seeping into the property. Buyers want to see potential when they look around a house, and they’ll fail to see that if it’s cluttered with art or aesthetic features which have clearly been personalised to a specific taste.

It’s hard for the imagination to look past this if it’s too overwhelming, so keeping the decor simple and understated is the key to making that sale. Whitewashed walls which invite bright, natural light into rooms will create a refreshed, “new” look around your property. Simplistic furnishings and a sparse kitchen will not disappoint; people will see the potential to do something with these rooms.

Risk means profit.

This is perhaps a piece of advice for later down the line, but it’s no secret that the bigger risks in the property game equal the biggest profit. If you’re determined to really make it big as a property investor and developer, then opting for the unique and unusual properties, such as converted lofts, could lead to a substantial return on your investment. This is where the big money is in the property industry, but this is perhaps a piece of advice for those of you who have had experience in property before. It wouldn’t be a wise decision for a first time developer, as things can go wrong with the more “unique” investments.

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Asian Businesswoman Working From Home Using Mobile Phone

On the face of things, starting any kind of business at home is a simple process. You have an idea for selling a product or service, and you get started right away. However, like everything in life, nothing is that simple. There are a few things you need to tick off on the legal checklist, and if you fail to do so, you could end up in some hot water. Let’s take a look at the legal nuts and bolts behind starting a home business.

Trading responsibilities

As a rule, if you are planning to start a consultancy or freelance writing business, nothing should stand in your way. However, it’s important to check out your industry’s trading regulations before you even start making a plan of activities. For example, let’s say you launch a cupcake business at home, selling from a  market stall at a local farmer’s market. As a catering business, you’ll need to contact your local authority and ensure you are complying with the main General Food Law Requirements.

Company name

The next big decision is how you set up your business. Many freelancers set up as sole traders, for example, but as point out, you might be better off in tax terms establishing as a limited company. Either way, you need to choose a name that is not in use by any other company to ensure your business isn’t treading on someone else’s toes.

Trademarks, patents, and intellectual property

It’s vital to set up protections for your business ideas, as well as your physical property. Your trademark will ensure that you, your products and company names are protected by law, and no one else can use them. Filing for a patent protects the workings of your product and ensures no other business can steal them. Make sure you see a lawyer and ensure you have the right protections in place, as, sadly, intellectual property theft and industrial espionage is a genuine threat to more businesses than you might think.


In particular cases, it is a legal requirement to have insurance when starting a business. However, regardless of the law, insurance is there to make sure you don’t end up in serious financial trouble if you, your employees or your clients ends up having an accident, for example. As a bare minimum, we would recommend taking out insurance for employer’s liability, vehicles, and contracts, as well as any policies that cover you for working with specialist equipment.


Last – but by no means least – we have taxes. Do not underestimate how important this will be for the long-term health of your business. If you don’t track all your expenses and keep accurate records, you can expect action from HMRC. VAT is another big issue, and many small business owners will worry about a VAT inspection happening – which is more common than you might think. The trick is to keep your financial accounts in great order if you want to avoid any issues – hiring an accountant or bookkeeper will help.

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Helping Your Troubled Teen

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Because adolescence is a time of transition and turbulence, it can be very hard to tell when your teenager needs help from you. Every teenager is likely to be irritable and moody at times, and may reach points where they question their own identity, and try to take on new ones. This can lead to inconsistent and troubling behavior. While no amount of words can make caring for a troubled teenager a breeze, here are a few pieces of advice that will make it a little easier…

Voice your Concerns, but Keep a Cool Head

One of the worst things you can do for a troubled teen is simply ignore the changes you’re seeing, and brush it all off as a part of growing up. Be sure to let your child know that you’ve noticed something is different, and that you’re there for them if they ever need help. Don’t turn it into an interrogation and start throwing accusations around. Just mention that you’ve noticed some changes in their behavior, and let them know that you’re there if they want to talk about anything. You’re probably not going to get them to open up straight away, but this is an important first step to make.

Teach them Healthy Habits

It’s pretty rare for teenagers to develop healthy lifestyle habits on their own steam, so you may need to encourage it yourself. It’s generally much easier to put positive activities on the table than it is to challenge or reverse negative behavior. At the very least, you should make sure they have some kind of healthy outlet for relieving tension, like a sport that gets them doing some form of cardiovascular exercise. You should also try to make sure they have things in their life that will contribute to their self-esteem. If you’re in a good place for it, it may be worth giving them a job to do at your business. Obviously, if their wayward behavior gets too worrying, you’ll need to take more direct action. I’m sure you’d rather take their driving privileges away and have them resent you for a while, than to stay complacent and have to look for a free case review for DWI charges! However the situation seems, a lot of troubled teenagers just need a few healthier outlets to get back on track.

Open Up About your Adolescent Struggles

I know it seems like you were a totally different person back then, but thinking about your own adolescent problems and then opening up about them can be extremely beneficial when you’re raising a troubled teenager. This will not only give you some common ground for discussion and encourage them to open up, but will also normalize the things they’re feeling. Just try to avoid falling into the trap of comparing or trivializing their experience. Don’t say “you have it easy” and talk about how much harsher your parents or education was. Instead, keep it relatable. Talk about remembering how hard it was to negotiate with your parents, but that you look back and feel grateful for it.


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Woman working from homeAre you thinking about starting a business or a new career from the comfort of your home? It’s a great idea for moms because it allows you to be there if your children need you. By working from home, you will also be freeing up more time in your life. Did you know that over ten percent of your life is spent in traffic? It’s true, and we’re guessing a lot of that time is due to the fact that people have to commute from home to the office. If you work from your house, you won’t need to. Of course, the question then becomes what kind of business can you set up from home? What job will you be able to complete without leaving your room?

You might have already guessed that most work from home jobs are online. So before we think about specific examples let’s quickly look at what you’ll need to work from home. You certainly need a computer that is easy to use and responds quickly. As well this a fast internet connection is vital and a work area. After that, you will have a variety of jobs that you can consider when working from home.


Log A Blog

You might think that blogs are just places where you can share your thoughts and feelings online. On the contrary, a blog can be a valuable and vital business enterprise to earn a living and give something back to the world. For instance, you can blog about a subject that really matters to you and help people deal with their own issues. Some people blog about parenting in the hope of helping others deal with problems that they have already faced. Find out what you should blog about on Others decide to blog about their holidays and vacations. It would be misguided to believe that it matters what you write about it doesn’t.

Many people agree that the subject of your blog can be absolutely anything. There will always be a readership as long as you know how to market them. When you reach the magical number of one thousand followers, your blog will start to make money. You will also gain the attention of people who want to use it to make a fortune. This is how you begin to earn a lot of money off your site. It doesn’t take much, and suddenly your blog is earning you a solid living.

To do this, you will need to learn how to attract an audience with SEO. You can learn about that on On top of that, you’ll need to understand what makes a blog interesting to users online.


A Survey or Two

Did you know you can make money online purely by delivering your opinion? It’s true, and there are plenty of companies that will pay you for the opinion of customers. You can either be one of those customers, or you can set up your own survey service. Have a look at a site such as to see what we mean by this. You can make quite a lot of money simply by answering some questions on your computer. If you are answering surveys, the key is making sure you are using a reputable site. You need to make sure that you are getting a fair amount of money for your service.

Once you have completed surveys companies that hired you might be interested in trying you out in larger positions. You could, for instance, be asked to test products and websites. When this happens, you’ll find that you are earning money in solid freelancing contract from home.



You can also think about looking into joining the ecommerce industry.  E-Commerce is essentially the name for the online shop industry. With an ecommerce website, you can sell your products and deliver them to customers. The trick to a great ecommerce store is finding a product that customers want to buy. One example would be wholesale goods. Wholesale products are cheaper than typical items because they have no recognized brand. As such, they can be bought in bulk and sold on to make a fair profit.

If you have a little creativity, you can also think about creating your own product to sell through your shop site. This could be anything that you have a skill in creating. For instance, you might love sewing. If you do, perhaps you’ve created your own style of shirt. Once you sell it online, you’re not an ecommerce business, you’re an entrepreneur.

Need a few more ideas? Have a look at to see if any of these jobs appeal to you.

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Organizing Your Days

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Working from home can be challenging. You must be a self-starter and willing to really push yourself, set deadlines for yourself, and make things happen. Here are some ideas on making the best use of your time:

Get A Plan

Planning is my favorite stage of organization. I get to brainstorm and dream about what God may have for me in the coming weeks and months.  One of the ways that I plan best is in talking things over with someone – a friend of colleague who is willing to listen and give ideas.

I know other business owners who keep a whiteboard in their office. On the board, they list dreams that they have for their business, action steps they can take to get there and even sometimes a timeframe of when each step needs to be completed.


Write It Down

I’ve learned over the years that my plans never get anywhere unless I write them down and give them a timeline. This can be done online with tools like Google Calendar, Google Drive (formerly Google Docs) or collaborative tools like PBWorks.

While I do use these tools, I’ve found that what works best for me is the good old paper planner. I pick one up in the dollar section at Target at the start of each year and use it to keep appointments straight. I use a Monthly Planner because I can see the whole month at a glance, which keeps me from overbooking myself. It also has a place in the sidebar to keep notes, which comes in handy if there are specific things that I need to remember throughout the month. The planner fits in my purse so I can easily pull it out and add new appointments wherever I am.


Keep a List

I love lists. I have stacks of tiny pieces of paper and notebooks full of lists I’ve made to track projects that I want to complete and things I need to do. Unfortunately, a mound of paper doesn’t help me stay on top of tasks.

I’ve found that  having one big notebook – the kind that has dividers – is the simplest way to keep track of my lists. I have a section for each major project I’m working on. Then, I can keep a list of regular tasks (sometimes a daily list, sometimes weekly) stuck to the front page of each project’s section. Once those tasks are done, I simply remove the sticky note, make up a new list of tasks and stick in where the other was. This keeps me focused and I get the satisfaction of crossing each task off the list. Read More→

ChildcareThe children of today, who are the adults of tomorrow, need help. There’s no two ways about it: children need help, assistance and guidance from those that are older than them. They need people to care for their wellbeing and their futures; what they do not need, is a toxic environment to grow and develop in that is lacking in support from any adults that may, or may not be, in their lives. If you have children, then you should be doing all you can to make sure that they are getting everything they need to be able to grow into fine young adults, but this doesn’t mean that you should be focussing on just your own. There are a whole world of kids out there lacking in a parental figure, and you could be just that for them.

First of all, you could devote your time to teaching. You can get into teaching in a number of ways, in a number of capacities if you want to make a difference in the futures of children. Teachers come as a close runner-up behind parents when it comes to the adults most likely to have an impact on children. What gives being a teacher an advantage over being a parent when it comes to wanting to make a difference in the lives of children is that they get to contact a bigger and broader range of kids. Being a teacher offers you the chance to really set a host of children on the straight and narrow for the future, as well as the opportunity to help them with any struggles that they are having today. And there are some children that are going to have more worries or fears about their current lives than others of their age: these children are known as being of a vulnerable status. In order to work with vulnerable children, first of all you must be qualified to do so. There are online courses that are readily accessible, and are free, so that you can get started straight away if this is something that you feel you want to, or even have to, do. And when it comes to the job of doing all that you can to give vulnerable kids a chance in life that they may not have been afforded before, you must be aware that the signs child abuse aren’t necessarily clear cut; however, there are things to look out for in regards to it, such as: hearing children talk about being left alone at home or left with people they do not know, noticing a distinctly bad relationship between them and their guardian, and seeing that they are showing obvious and excessive signs of violence towards other children, even those that they are deemed to be friends with.

But to help the adults of the future make the transition from childhood to adulthood, you don’t necessarily have to just work with one individual child or one group of children: you can contribute to the overarching goal of making sure that the growth of children is tended to properly for years to come by making an impact on the long-term future of child care. This could entail, if you have a particular proclivity for psychology devoting your time and efforts into completing a child development degree and jumping into any of these child development jobs. This subject is both the psychological, and biological, study of the ways in which children grow and develop — if you really want to make a contribution to the childcare and development sector, you can make an impact in the ways in which they are done, rather than being the one to implement them yourself.

In doing any of the things above, you can not only change the future for all the children of today and the adults of tomorrow, but you can also change your own future. If you have an itch to do all that you can to help children whenever and wherever you can, then why not devote your life, and your future to it? It’s got to beat the 9 to 5 you are currently in, surely?

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Awesome Jobs That Are Family-Friendly

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Every good Christian wants to be a good parent. In fact, a Christian that takes their faith seriously intends to be a good person overall. However, as parents, our kids mean the world to us, and there is nothing we wouldn’t do for them, and that includes finding a new job. In today’s society, it isn’t easy to have a career and be a doting parent. Employers demand long hours, and some just aren’t flexible when it comes to the work-home dynamic. The result is that a lot of us have to deal with the fact that we can’t be there for our kids until the clock strikes five thirty. If only there were another way.

The good news is there is another way – find a job that is family-friendly. Here are the careers and positions which place a lot of emphasis on their employees’ well being. How very Christian.



Most of us have a friend who is a teacher, and we know all of the juicy gossip. We are aware just how hard it is to play politics and teach at the same time, and how kids love to misbehave. For the most part, we think ‘I would never do that job’ and silently thank God we don’t have to go into the classroom every morning. The thing is, though, teaching isn’t a bad profession from a parent’s point of view. Sure, there is a lot of work during and after class, but the weekends are free and not every family gets to spend quality time together. Plus, the holidays are great. There is also the fact that schools finish early. That means a teacher can do the school run and take care of the kids until dad comes home. Then, it’s time to finish off that marking. It sounds a little hectic, and I’m sure it is, but it’s an option.



Wouldn’t it be awesome to have a job where no one dictates anything? You know, like being your own boss? Well, we can all become our own bosses if we take the plunge and start a company. In fact, I bet we all know someone who has had the guts in the past because it is becoming a popular road to follow. Why is it so popular? It’s down to guides like ‘20 Tips on Starting a Lucrative Home-based Business’ and ‘8 Tips for Staying Productive While Working from Home.’ In the past, starting a business didn’t seem viable because we didn’t know where to start. Nowadays, it seems like the easiest thing in the world because we have all the info we need. And, there is more chance of turning it into a success. More money and more time at home? Where do I sign?!



If shouldering the responsibility sounds like too much hassle, there are plenty more ways to work from home. Freelance is one of the most lucrative because it is an age-old profession. Whether we have a passion for writing or just for giving our expert opinion, some businesses want to pay is for our services. And, we can do it all from the comfort of the living room. The writers among the audience also have another option – blogging. The term ‘blogging’ is super popular these days because the demand for online content is huge. As such, websites will pay for bloggers, or independent ones can start a site and piggyback off their traffic. All the while, we are in control of the hours and when we start work, so we have more time with the family.


Office Work

Sorry if this one seems vague but there is a reason. The reason is that employers around the world have flexible working hours – we just have to find the ones closest. They tend to be office jobs because it’s easy to catch up on work in an office-based environment. A surgeon, for example, can’t decide when they want to operate. The paperwork, on the other hand, will always be there waiting for someone to give it the once over. A tip: look for flexible hours because that’s the most important feature. A company that lets a worker start late or leave early for the sake of their kids is a quality place to work.

Yes, combining work and family life together is never easy, but it is possible. With these jobs, the average parent can concentrate on their career as well as their family.

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There are a lot of issues that could knock your business out of the market. What happens next will depend on how you handle the problem. If you’re smart and respond quickly, your company will be down, but it won’t be out for the count. That’s not true for all companies. Many can take a hit that knocks them out of the market within their first year. Others, will spend a lot more time on the market but their period of success will still come to a bitter end. So, what type of issues are we talking about and how should you deal with them effectively?

IT Disaster

You might have heard of a disaster recovery in your business. If you use tech or data in your business, you hope that it continues to work without any issues. You need it to because if your tech fails so does your company. You won’t be able to sell or make any form of profit during that period of downtime. Unfortunately, tech does break down and fail for a variety of reasons. It could be due to a strike against your company. For instance, a number of companies were taken down last year by a DNS server attack. This took them out of the search indexes and ensured customers could not find their sites online. You can probably see how this could be an issue for any ecommerce business.

The best way to handle a disaster like this is to make sure you already have a team that you can call. Secure data disaster recovery by Infrascale and other similar companies can guarantee that your business is back up and running in hours or even minutes. They will also ensure that you don’t lose any of the data that is important to you or your customers.
Legal Lows

Every year thousands of businesses are inundated with accidental injury claims from their employees. Injuries have happened on their premises and workers have demanded compensation in court. This could have been a person tripping over a wire in the office. Or perhaps something more serious in a factory. The good news is if you work from home you’re probably not going to fall victim to one of these claims. However, there is precedence for employees to complain about RSI if their employees have pushed them to work without breaks. Although, it’s very difficult to complain if you have a virtual team of staff rather than a full office.

If you are running an office with workers, you need to make sure health and safety standards are kept high. Any injury claim can usually be tackled head on if you can prove that it could not have been prevented by action on your part.


Cheap Competition

Of course, you might find that a disaster in your business is caused by another company stepping onto your territory. If you have a particularly cheap competitor on the market, customers might choose their business over yours. Now, you can either cut your own prices to match or step up your promotional campaign. However, either way, you will need to make sure there is enough money in your budget. This is why it’s imperative that costs are already low in your business model.

Take this advice, and you will be able to tackle most of the business hits without falling to the ground.

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To be able to write a story from start to finish that is compelling and draws you in is a talent. It’s a talent that not many have, so if you have it, you must nurture it. If you’ve dreamed of becoming a best-selling author, you’ll understand the credibility that comes with such an achievement. You’ll know that your writing and your imagination as well as your skill has given you something that most people keep for a bucket list. As an author, you are responsible for your own success and if you are someone who wishes to be successful you have to work at it.

With the range of social media platforms available, authors have never been more able to get their voice and their work heard. You have an unlimited opportunity to reach an audience and the potential to be successful is huge – it just takes grabbing it with both hands. Making a novel a success takes a lot of work and with these four tricks, you could be the next big thing in the written world.

  1. Use the Internet: Finding your audience is important. Research the genre of book you are writing and find out where you should be marketing your work towards. Knowing your audience is so important and you need to put yourself into their shoes. What would you want to read about? What tone of voice piques your interest? You need to write about what you would be interested in reading – otherwise, how can you expect anyone else to want to read it? Use the internet to learn about what your potential audience wants from a good book, then make it a great one.
  2. Judge It: Everyone says not to judge a book by its cover, but the cover is what attracts you to a story. It’s not always the blurb at the back or the actual chapters that count but how the book looks. You want to appeal to the audience and match the story to the cover of the book. Using Adobe Spark’s book cover maker, you can create a cover that matches the story perfectly in the way you always envisioned it. Judge your book and make the cover one that is impossible to put down.
  3. Know the Competition: Research those who are writing in a similar style to you. Don’t see their success as your fight, but as something to learn from. Read their stories and make a note of how their audience has reacted. Do some blanket market research online or in the streets to find out what people want from the genre you are writing. Go with it. The audience is your profit!
  4. Advance Copies: Capture the attention of bloggers and send them advance copies of your books to review. Always send to bloggers with a large audience that will be heard – it’s an effective strategy for success.

Your book weaves a world that you created and being successful in promoting what you have created is an achievement that most people dream about. Don’t dream it. Live it!

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Holding Steady

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Not long ago I was talking with a coaching client about her fears and doubts in regards to leaving the corporate world and working from home. She was sharing with me her concerns about bringing in enough money, making the right contacts and how just getting her new business off the ground was causing her to feel completely overwhelmed.

As we talked, a verse that I had read earlier in the week, 1 Corinthians 16:13, came to mind and I realized that it can be applied to our work-at-home fears and doubts as well as our spiritual ones.

Be on your guard; stand firm in the faith; be courageous; be strong.
1 Corinthians 16:13

Be On Your Guard
I think it’s imperative that we remember that we must be on guard. It’s so easy to get wrapped up in the concerns of this world – our business, our family, etc – and take for granted that we are in a spiritual battle. If we’re doing what God has called us to do, our enemy does NOT want us to succeed. We must be aware of the lies he feeds us, the worry he works to create in our lives and the utter hopelessness that he tries to convince us is reality.

Stand Firm
When we’re aware of the battle raging around us, we can cling to God’s truths and stand firm in our faith. There are days I find myself repeating hope-giving verses out loud to help me stand firm. Verses like these:

I will never leave you nor forsake you. Hebrews 13:5

And we know that in all things God works for the good of those who love him, who[a] have been called according to his purpose. Romans 8:28

So do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand. Isaiah 41:10

Be Courageous
When I have God’s truth on my lips and in my heart, I’m filled with courage. The key here is that being courageous is a choice. We can choose to sink into the defeated mindset that the enemy tries to create. Or we can choose to rely upon the Holy Spirit and be courageous even in the face of overwhelming odds.

There will be times in business when it seems like no matter what you do, you can’t succeed. But, we know that isn’t the truth. We must be courageous and walk through these times, trusting that God will provide and that He has our best in mind – even when we can’t see it. Read More→