Many stay-at-home moms feel guilty about not working. Getting by on one income can be tough but your kids are worth it. Before you think about getting a job - consider this.

Bill was earning $40,000 per year. Lori stayed home with the kids. Things were tight so Lori got a part-time job for $15,000 per year. Youd think this would help...BUT

The income increased their tax bracket
$4,500 in new taxes per year

7.65% for Social Security
$1,148 in new taxes per year

Commuting Costs (10 miles)
$696 in new expenses per year

Cost of Day Care
$4,250 in new expenses per year

Buying lunch ($5 a day)
$1,250 in new expenses per year

Clothes & Dry Cleaning
$1,000 in new expenses per year

When you both work who feels like cooking every night? They had to order out more often
$1,000 in new expenses per year

So whats left?

Out of the extra $15,000, they got to keep only $1,156 thats $28.90 a week is it really worth it?

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