It's harder than ever before for families to get by on a single income

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Despite the rising rates of women in the workforce throughout the past century, many millennials grew up in a time where it still seemed like a mother's choice to work or stay at home. But as we start families of our own, the reality can be harsh: It feels nearly impossible to make ends meet on a single income.

So where does that leave women who want to be stay-at-home mothers? In a difficult position, says Erin Odom, a mother of four in North Carolina, who left her job shortly after her first child was born. "We pinched our pennies, I say, until they bled," Odom says of trying to get by on her husband's salary from teaching. The Odoms eventually sought help from a financial advisor, who looked through their income and expenses. "At the end of the day he said, 'Look, you guys don't have a spending problem. But you do have an income problem. You don't have enough money to live.'"

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They aren't alone: The fact is the rising cost of living in the United States continues to outpace inflation—which makes it difficult for young adults to build their bank accounts, let alone nest eggs for the future.

And more people are starting out in the hole: According to a 2014 report from the Pew Research Center, the likelihood of college students taking out loans grew by 40% between 1993 and 2012. Among that majority of students who did borrow, the standard amount of debt more than doubled during that time period to an average $26,885 for the class of 2011-2012.

While much has also been said about millennials' low rates of homeownership, that's yet another goal that is simply harder to obtain today. As United States Census Bureau data shows, the median home price in America in 1940 was $2,930. Adjusted for inflation, that should have been just over $30,000 by 2000. Instead it was $119,000—which jumped close to $200,000 by 2017.

The costs of other essentials are escalating, too, from health care ( average annual costs of $10,345 in 2016) to groceries (average weekly cost of $170 in 2017 for families with children) to rent (average monthly cost of $910 in 2017). Add to that the common expenses we have today that didn't exist just two decades ago—like cell phones, internet and streaming services—and it's little wonder that we need more money to stay afloat.

How this is driving more parents into the workforce

As expenses have been rising, so have the rates of two-income households. According to a 2015 report from the Pew Research Center, 60% of families had dual earners in 2012 versus just 25% in 1960.

For many reasons, this statistic is something to be celebrated: Women today now have more options and more empowerment in the ways they continue their careers after having children. As that same report shows, the more educated a woman is, the more likely she is to continue working after children—suggesting this is largely a decision of her own volition.

But what the statistics don't reflect is how many of those women would prefer to stay at home.

"Staying at home with your child can be an amazing and nurturing experience, but it can come at a financial cost," Jennifer E. Myers, certified financial planner and president of SageVest Wealth Management, tells Motherly.

That's no small consideration. According to a calculator developed by the Center for American Progress, a 30-year-old woman who makes $55,000 each year could expect to lose $539,795 by staying at home with a child for five years—due to the combination of lost wages, lost wage growth and lost retirement assets.

Between the immediate loss of income and that long-term dilution of family earnings for women who step back from the workplace while children are young, Myers says families really need to evaluate their financial priorities before making the decision.

Although she always imagined she would stay home, Kristin Rampton, a mother of one in Kansas, made the decision to continue working full-time as a teacher after her daughter's birth in order to have a job with family healthcare benefits, which weren't offered by her husband's job.

"I always really struggled when people just assumed that it was a choice that I made when really it wasn't like a choice," Rampton tells Motherly. "That doesn't mean that there's not joy in it, in that role. It just means that the reason women work is not necessarily because they want that career kind of lifestyle."

The rise of side gigs

For the first time in decades, the number of stay-at-home moms is back on the rise, but what this doesn't reflect are how many of those moms are actually earning incomes from home on a part-time basis.

Now among this group is Odom, who details her experience in her new book, You Can Stay Home With Your Kids: 100 Tips, Tricks and Ways to Make it Work on a Budget. But the beginning of her journey wasn't easy.

"Once we got into it we realized, 'Wow, it's going to take more money than we realized. What can we do?'" Odom tells Motherly, explaining the budget felt much thinner once their second, third and then fourth child came along.

The Odoms began by curbing spending as much as possible, such as with cutting cable, shopping at discount grocers and accepting they couldn't take as many vacations. But her husband's salary still didn't seem to go far enough and their meeting with the financial advisor served as a wake-up call.

"Did I go to work full-time outside the home? Did my husband change careers and still support us? Or could I learn how to create an income from home?" Odom says. "That's what I ended up doing to be able to afford to stay at home with my kids."

She now advises other families on ways to earn supplemental income from the home, whether with blogging, creating products for sale, offering lessons or more creative ideas that make use of individual strengths.

Coming to terms with today

For families who want to make it work with fewer work hours, Myers of SageVest Wealth Management says some "serious prioritization" should happen—as well as accounting for unexpected expenses in the budget.

"If saving for things like family vacations, retirement, college funding and more are strong objectives, then you need to set a budget that covers the day-to-day expenses, plus the bigger and longer-term items," Myers says. "This is where most budgets fail. Too often, people only focus on the monthly items, forgetting about new tires, braces, car repairs, home repairs, etc. These items become budget busters and infringe upon longer-term saving objectives."

Often, cutting out lattes or manicures—the "money saving tips" that are commonly suggested on places like Pinterest—only goes so far.

"If you need to cut back on expenses, the first thing to do is understand how much you need to cut required relative to your overall spending," Myers says. "If it's a larger amount, you need to be more aggressive beyond simply changing your cable service."

For parents who are reluctantly sent back into the workforce or are burning the midnight oil to make ends meet, licensed marriage and family therapist Heidi McBain says to think about what you are providing to the family rather than the ways reality is different from your expectations.

"Often people confuse quantity time with quality time. People can spend a lot of time in the same space as their kids, but be on their phone or emotionally tuned out," she tells Motherly. "However, if it's a shorter amount of time but the mom is totally focused on their kids, this makes the kids feel important and cared about, which is really the bigger goal here."

As a working mother with a growing daughter, Rampton also hopes her daughter will take note. "I also have spent a lot of time thinking about the example that I'm modeling for her just by being a teacher and loving on kids and working really hard to achieve goals and all of those things I think she'll see one day and she'll think, 'Oh, my mom works really hard.'"

And, in the short-term, Rampton says she finds peace in knowing this arrangement is best for her marriage as well as her child.

"I think about the situation we're in with our student loans, with healthcare. I had to weigh the costs and the benefits of me working on my marriage," she says. "It just really is the best thing for my child, to be able to provide these things for, and it's the best thing for our marriage."

The reality is that even with the number of two-income families on the rise, working motherhood might not be every mom's first choice—but that doesn't make it the wrong choice or even the forever choice. We're all just trying our best to discover what's right for our families and our futures, and that means finding the best work-life balance is always going to be a work in progress.

[Originally published on April 24th, 2018]

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Creating your baby registry is one of the most exciting getting-ready-for-baby tasks a mama takes part in (other than, you know, growing a life). But even though sorting through adorably teeny this and itsy bitsy that can be loads of fun, that doesn't change the fact that there are SO many products from which to choose—not to mention slight variations in version for each. And how do parents know if you even need that *very specific* item to begin with, since each baby's likes are so different? It helps to have an expert guiding you through the what's-actually-worth-it process, whether it's veteran parents in your life who will likely offer up suggestions, or stores like buybuy BABY that handpick the must-have options and make registry building super easy for you.

From strollers to car seats and swings (because you'll definitely be needing a swing at some point), here are our top picks for first-time parents of the items you'll be glad you put on your baby registry, trust us.

UPPAbaby VISTA stroller

UPPAbaby VISTA stroller

The best recommendation is the one from someone you trust and if you ask around, it won't take long for you to learn that UPPAbaby® is one of the most beloved stroller brands by new and seasoned moms alike. The VISTA is their crème de la crème, and it comes with all sorts of high quality features (think an ultra-sturdy frame and all-wheel suspension to help absorb all those bumps on the road) that will keep your babe comfortable no matter where your walk takes you. Plus, it comes in a bunch of great colors and transitions to a double as your family grows.

$959.99

Chicco KeyFit 30 infant car seat

ChiccoKeyFitcarseat

When it comes to keeping your little one safe, a car seat is probably the most important piece of gear you'll buy. While you'll hopefully never need to test it out, the KeyFit® seat keeps your little peanut extra secure with things like side impact protection—plus, thanks to handy bubble indicators, installing it correctly doesn't require a rocket scientist[JS9] . It's all about making your life easier while helping you breathe easier, too!

$199.99

4moms mamaRoo classic infant seat

4momsmamaRooswing

All hail the infant swing 🙌. Whether your cute new bundle is generally calm or has more of a defiant streak, chances are there'll be a time when you need some hands-free soothing. Enter the mamaRoo, a beyond useful swing that looks as cozy as it is. Strap the nugget in, choose one of five distinct motion patterns, and let yourself enjoy that moment of solitude on the couch (without leaving baby unsupervised, of course).

$219.19

HALO Bassinest premier series swivel sleeper

HALOsleeper

Being a new mom is all about snuggles and, if we're being honest, surviving those sleepless nights. And since the American Association of Pediatrics' current recommendation is to have your baby sleep in your room for at least the first 6 months of life anyway, why not have your little one spend his or her early nights snoozing in a bedside bassinet to save some time in the middle of the night? The HALO Bassinest is designed to nuzzle right up next to your bed, too, so you won't even have to get out from under the comforter during those 3am feedings.

Graco Table2Table premier fold 7-in1 convertible high chair

Gracohighchair

Spoiler alert: Your little babe is going to grow up fast. While it may seem like they'll be in that just-learning-how-to-eat phase forever, they'll outgrow the full-fledged high chair in a blink. While you can definitely buy a variety of different seating apparatuses for them, you can also buy one that'll last with your growing baby. With seven different configurations ranging from an infant reclining high chair to a toddler table and little chair, this is the only one you'll ever need.

$169.99

Fisher-Price 4-in-1 sling 'n seat bath tub

Fisher-Pricebath

Bath time is arguably one of the cutest elements of parenthood. So rather than concentrating on holding your slippery little baby safely in the sink while also, you know, washing them, do yourself a favor and invest in an infant tub with an adjustable sling. It'll help make the bonding time fun of bath time more secure so you can focus on enjoying those beautiful sudsy moments.

$39.99

Hatch Baby Rest sound machine night light + time-to-rise

HatchBabyRestsoundmachine

Technology has brought us a lot of advantages, but one of the best? The ability to comfort your little one without ever leaving bed. The Hatch Baby Rest offers sound- and light-control from your smartphone so you can use the power of noise to help them back to sleep if they fuss in the middle of the night without requiring you to drag your tired self out of bed. Plus, when the toddler years come around, it doubles as a time-to-rise clock so that ball of energy knows when it's appropriate to barrel into your room.

$59.99

Fridababy baby basics kit

fridababybasics

Fridababy has made a name for itself with its cheeky (but incredibly practical) products like the congestion-fighting NoseFrida® and the less-than-pleasant Windi. With this basics bundle, you can get four of their most popular—for nose, behind, scalp and nails—in one convenient package. It's not glamorous, mamas, but it's parenting at its finest.

$39.99

Graco 4Ever all-in-one convertible car seat

Gracocarseat

Whether or not you choose to purchase an infant car seat for the first months, you will eventually need a convertible car seat as your kiddo gets bigger, and the best options will grow with them. The Graco® 4Ever All-in-1 accommodates children up to 40 pounds facing backwards and up to 65 pounds facing forward. Plus, it can be used as a booster seat up through the age of 10. One less thing to buy until then, mama!

Skip*Hop explore + more 3-stage activity center

SkipHopActivityCenter

Insider parenting tip: Invest in a few great toys that serve as a great way to help your baby learn and explore and stay safe (read: unable to crawl away when you turn your head for a split second). An activity center serves both of those purposes—keeps them entertained and contained fabulously. Even better, the SKIP*HOP® Explore & More 3-Stage has an extra-long shelf life as it converts to an activity table when they outgrow the harness. Plus, there's a snack bowl attachment, and as every mama knows, snacks mean victory.

$129.99

This article was sponsored by buybuy BABY. Thank you for supporting the brands that support mamas and Motherly.

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There are less just two weeks left until the end of the month—and the decade. We're in shock here at Motherly and we're sure you are too. It feels like it just snuck up on us this year!

Well we're with you on the endless to-do list that usually pops up at this time of year (or, let's be honest—any time of year when you're a parent). It's a lot, but trust us when we say you've got this, mama.

If you've been missing the news this week while you run around trying to get everything done don't worry...we're keeping an eye on all the headlines you need to see.

Take a moment for yourself today and check out the headlines that are making us smile this week:

This mama edited her deployed husband into her Christmas card 

Danielle Cobo is a mama to twin boys and a proud military spouse. Her husband is currently serving overseas on a year-long deployment. He wasn't home for this year's Christmas card photo shoot, so Cobo's photographer, Shannon Sturgeon, did some photoshop magic to get the whole family in frame and the resulting picture is going viral.

"I am extremely proud of him and grateful for what he's doing because I think there's a purpose greater than our own," Cobo told Tampa NBC affiliate WFLA. "This year's deployment has been the toughest. By the time he returns, my husband will have missed half of our twins' lives. With that said, I wouldn't change a thing. I'm so proud of him."

When the card went viral, Cobo started getting messages from all over the United States from people who could relate to how she is feeling this holiday season. "I love the holidays," Cobo told WTVT. "I love Christmas cards. I save Christmas cards. It's just a way of showing people that though we are apart, we are a family."

Baby girl goes viral for adorable 'mean-mugging' photos 

Newborn photos are supposed to be adorable but this baby is looking adorably angry in hers. Baby Luna is taking over the internet thanks to the hilarious expression captured during her professional photoshoot.

"She's been mean-mugging since day one," Luna's dad Christian Musa told Good Morning America. "She's either mean-mugging non-stop, or just unimpressed."

Photographer Justine Tuhy says that while Luna (who was born November 15) was totally content during their photo session, "She just gave me the stare down the entire time as well."

This mom went viral for loving Christmas (and Wawa) too much

Mary Katherine Backstrom is the mom and writer behind MomBabble's website and social media accounts, and this week she went viral for the most hilarious reason.

Going live from her car in the parking lot of a Wawa gas station, Backstrom cry-laughed into her phone's camera as she explained how embarrassingly carried away with the holiday spirit she'd become. She was in the Wawa and saw the woman in line next to her only had a ginger ale, so she offered to pay for it to pay the Christmas spirit forward. Then, she came out of the gas station and saw a man washing her car's windshield.

"'This is my favorite part of humanity! I love Christmas so much, thank you for doing this,'" Backstrom recalls saying to the guy. "And I gave him a hug."

The problem? It wasn't her car. It was that dude's car. She just hugged and thanked him for cleaning his own car. 😂

She was so embarrassed that she just walked to her own car and pretended like nothing happened, then recorded her video and now the whole world knows about it.

Keep spreading the holiday magic Mary Katherine! You're hilarious.

Viral PSA reminds us to be kind to retail workers this time of year 

Whitney Fleming is the mom and writer behind "Playdates on Friday" and this week she's going viral for reminding the world to be nice to retail workers this time of year.

In a post that has been shared over 10,000 times, Fleming recalls a recent trip to Target. While chatting with her cashier she learned he'd had a pretty rough shift, as some moms who were stressed out during their Christmas shopping had taken it out on him.

"As the young man handed me my receipt, I handed over the gift card. 'Have a frappuccino on me. It's for dealing with all of us crazy, stressed-out moms.'

'Oh, no, ma'am. I'm sorry, I shouldn't have said anything,' he stammered. You could see he was nervous about getting in trouble.

'No, I'm sorry, I told him. 'Have a great holiday.'"

Thanks for the reminder, Whitney.

Viral deal alert: Get a dozen Krispy Kremes for $1 today! 

Krispy Kreme is giving customers an early Christmas present this week.

If you're reading this on Thursday, December 12 you should swing by Krispy Kreme ASAP and get a dozen original glazed doughnuts for the low price of $1 when you buy a dozen specialty doughnuts.

They're practically giving the glazed doughnuts away at that price and the internet is going wild about this because the deal even applies when you buy the Instagram-worthy holiday-themed donuts!

So you can show up to work, school or the Christmas party with a dozen festive treats and still have 12 delicious original glazed doughnuts that you can keep for yourself!

This is happening in participating stores in the USA and ALL the stores in Canada.

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At Motherly we know that mothers can and do balance business needs with the needs of their children every day. We do it every day, and we know that mothers at other companies are doing it every day, too—but this balancing act often isn't talked about.

This week a COO and father, Seth Morales, went viral for drawing attention to how hard his wife, and all working moms, work outside of regular business hours and outside offices.

Morales posted a photo of his wife comforting their child in a hospital bed, writing, "I took this picture of my wife and son this morning. Too often working moms don't get enough credit. I'm sharing this because I want people to know it's possible. You can be great at work and at home."

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He continues: "But sacrifices need to be made before/after normal working hours. The idea of working 40+ hours in the office isn't realistic. You'd be surprised at how productive my wife is from her smartphone while running errands. But she constantly thinks she's falling short with everything. Balancing life is messy and difficult. For all you working parents out there please have grace for yourself, it's a process."

Morales is right about many things: 40 hours of butt-in-seat office work is not realistic for many parents. Our kids have needs Monday through Friday, 9-5 that we need to be there for sometimes. Clearly, Morales' child was in need of medical attention and that's the kind of thing that parents need to be able to give their attention to, whether it happens during regular business hours or not. And Morales is also right that parents are making sacrifices, working before and after traditional office hours and making the most of small pockets of time. It sound like Morales' wife is multitasking a lot of time time, running her work from her "smartphone while running errands."

It's great that this powerful COO is sharing the struggles that working parents face and that a working mother's spouse is recognizing her efforts on a personal level. But we would challenge partners like Morales: If you see your partner trying so hard to do everything and feeling like she's never doing enough, perhaps it is time to ask yourself if YOU are doing enough.

Research shows that among heterosexual couples, women simply do more of the unpaid work of child-rearing than men do, and it hurts our careers, our families and our relationships (and that if men did just 50 minutes more labor at home every day we could close the gender gap.)

We would also challenge business leaders like Morales: If you see your employees are making the sacrifices that he mentions here, working before and after working hours and feeling like they are merely surviving, not thriving, maybe your culture needs to catch up with the needs of employees.

And finally, we challenge any working mother who "constantly thinks she's falling short with everything" to drop some balls and delegate at home. Get the store-bought muffins and share the load of managing your family load with your partner.

Morales is right, we can be great at work and at home, but not if we're not supported at work and at home.

News

There's nothing Beyoncé can't do, at least as far as we can see. From dropping record-breaking albums to starring in movies to dominating stadium tours, the woman seems almost superhuman. But even Beyoncé can admit that working motherhood is really, really hard. She recently opened up about her struggles—and we never thought we'd say this—but we kind of feel like we can relate to Beyoncé.

The superstar recently opened up about everything from body image to hitting up Target in a brand new interview. But here's what we're taking away form the conversation: Beyoncé's raw, confessional comments about juggling motherhood and career.

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"I think the most stressful thing for me is balancing work and life," Beyoncé tells Elle when asked what stresses her out. "Making sure I am present for my kids—dropping Blue off at school, taking Rumi and Sir to their activities, making time for date nights with my husband, and being home in time to have dinner with my family—all while running a company can be challenging."

Say it louder, Beyoncé! It's crazy to hear that even the most iconic celebrity of all worries about things like school drop off. Admittedly, we don't know exactly what Bey's juggle looks like. We have no idea what it feels like to be trailed by the paparazzi or sell out stadiums or have access to absolutely everything money can buy. But here's what we do understand: The incredible pressure that comes with trying to fit too many things into too few hours, and the feeling that we wish we could be multiple places at once.

Something else we can relate to? Beyoncé's feelings about her body and its evolution over the years. "If someone told me 15 years ago that my body would go through so many changes and fluctuations, and that I would feel more womanly and secure with my curves, I would not have believed them," she says. "But children and maturity have taught me to value myself beyond my physical appearance and really understand that I am more than enough no matter what stage I'm at in life."

Amen to that, Mama!

And most relatable of all is this answer she provided. When a fan asked, "With all the hats you wear (chairwoman, global entertainer) and all the titles we give you (Queen, Yoncé), which brings you the greatest joy?" via email, here's what Queen B had to say: "Being Blue, Rumi, and Sir's mom."

We feel this so hard. And it's so gratifying to see that even Beyoncé—with all the massive, unprecedented things she's accomplished—knows that when it comes right down to it, nothing compares to being a mama.

News

Sometimes it's hard for kids (and adults) to understand things that can't see. That's why some creative teachers are using bread to show kids just how germy their hands can get.

"We did a science project in class this last month as flu season was starting. We took fresh bread and touched it. We did one slice untouched. One with unwashed hands. One with hand sanitizer. One with washed hands with warm water and soap. Then we decided to rub a piece on all our classroom Chromebooks," teacher Jaralee Annice Metcalf writes in a now-viral Facebook post.

When the bread was left in sealed plastic bags the slices that had been exposed to more bacteria via laptops and unwashed hands grew the most mold.

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The bread that had been rubbed on those Chromebooks might be the grossest piece of bread we've ever seen, and really underscores Jaralee's point: "As somebody who is sick and tired of being sick and tired of being sick and tired. Wash your hands! Remind your kids to wash their hands! And hand sanitizer is not an alternative to washing hands!"

The CDC agrees with this elementary school teacher: Handwashing reduces the spread of diarrheal and respiratory illnesses (basically the bugs kids seem to be magnets for) so it's a good idea to teach kids to do it properly and often.

Jaralee isn't the first teacher to go viral for incorporating this experiment into her classroom and she probably won't be the last. Full instructions for this project are listed on the C.S. Mott Children's Hospital website and are easy to replicate at home.

Her Facebook post has been criticized by people questioning the conditions of her experiment, but as she notes on her Facebook page, they're kind of missing the point: "We are an elementary school. Not a fancy CDC lab, so relax a little and WASH YOUR HANDS."

It's good advice from a caring teacher and a reminder to wash our hands (and sanitize our laptops!)

News
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