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HomeBased Business vs Second Job The Choice is Yours
by Jill Hart
09/20/05
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Many families today rely on two incomes to pay their bills not being able to make ends meet month to month. They face several options to secure that extra income they need, one being obtaining a part-time job and the other a home-based business. It’s a decision with advantages and disadvantages to each. I want to provide some suggestions to help you make the right choice.

When deciding between a standard second job and a home-based business, it is important to consider the expenses incurred in both. For those considering a second job, many do not take into account the numerous extra expenses that go along with childcare, clothing, gas, etc. Crown Financial Ministries offers a worksheet online (http://www.crown.org/Tools/mommake.asp ) to help you determine how much you will actually make once these expenses are deducted from your income. By breaking it down and seeing the guideline, you can see just how much extra you really bring home each week.

A home-based business also incurs expenses, but most of your business related expenses will be at least partially tax deductible. The IRS looks favorably on home-based businesses. The more money that you save with legitimate tax deductions, the more finances you’ll have to increase the size of your business. This in turn creates more revenue for the IRS.

A home-based business can also offer flexibility that a second job cannot. You can work from the comfort of your home – often in your pajamas if you choose. You can work the days you want and the hours you need. Your schedule is up to you! For example, Diana Ennen, author Virtual Assistant the Series, Become a Highly Successful, Sought After VA http://www.virtualwordpublishing.com, states, “I enjoy the flexibility my home-based business provides. You can easily wake up at 5:30 a.m. to work or work until 2:00 a.m. whatever fits your personality. Many people enjoy it because they can start work after they have put the kids the bed and work a couple hours and earn extra money without having to hire a babysitter. Plus, it's all in the comfort of your own home. No costs on dry-cleaning, travel to work, gas expenses, etc., and you can't beat the one minute commute to the office!”

Allowing your family to be a part of the business is another benefit that not many jobs can compete with and thus another positive benefit to home-based businesses. Depending on the type of home-based business you choose, there may be small jobs that your children can assist with in the daily operations. These include: Helping prepare your mailings, preparing packages if you have a direct mail company, or even answering the phone - depending on their age. Your spouse can also be a part of your business and may be able to help run the business when you are not able to be at home.

Helping others be successful working from home is another great perk of being a part of a home-based business. Most home-based businesses allow you to build a team of people to work along side you. Finding other people that are interested in owning a business and then helping them succeed is satisfying and can be financially rewarding as well.

There are, of course, negative aspects about working from home. The success of your business depends solely on you. You need to be determined, efficient and organized to be successful. You must take the time to work at the business or you will not see the additional income that you desire. It can be very easy to let your business slide when you are tired or feeling discouraged. However, if you are aware of these temptations, you can create a plan to overcome them when they arise.

The benefits of a home-based business can many times override the work and time you must devote. When compared to the expenses occurred by taking a second job it is a great alternative. Because of the tax breaks when operating a home-based business, it is many times a more profitable option. You may not make a million, but it may allow you the freedom and income that you need to make life a little easier. Even with the disadvantages, many who work-at-home wouldn’t have it any other way. I hope this helps you make the right decision for you and your family.

ABOUT THE AUTHOR:

Jill Hart is the founder and editor of Christian Work at Home Moms, CWAHM.com, and the author of the e-book, The Two Week Devotional Journey for Christian Work at Home Moms. The CWAHM.com website is dedicated to providing moms with free resources to aid them in their work at home search. The site also provides current work at home moms with opportunities to promote their businesses while at the same time providing them spiritual encouragement and articles. E-mail Jill at jill@cwahm.com for additional information or stop by her site at www.cwahm.com.

If you died today, are you absolutely certain that you would go to heaven? You can be! TRUST JESUS NOW

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