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Welcome To All New Subscribers!1-LABOR PAINS: Your homeworking questions answered.
Stressed Over Debt
QUESTION: I am so stressed and I hope you can help. I want to start a home business as a web designer. I have taken some very expensive courses to improve my skills. I charged the fees on my high rate credit cards because it was the only way I could pay for them.
I am afraid that I won't be able to meet my credit card minimum payments unless I start to earn money from my business quickly. If I get a part-time job I won't have enough time to work on my business, but if I put all my time into my business I may not make enough money to meet my bills. What should I do?
ANSWER: You now have the skill to create a business that will serve you and your family for many years to come. That is something to celebrate - congratulations!
It can be difficult to concentrate on building a business while taking care of your children and worrying about credit card debt. You are looking at all of your burdens but we see that there can be a much brighter picture for you.
Instead of getting a part-time job with set hours, you might want to do work that you can fit into your schedule while you build your business such as direct sales or secret shopping. You can also bid on web design projects on eLance, but you will need at least of few samples of your work to do that.
Your credit card debt can be eliminated faster if you use one of the services that are available to you online. Our recent research shows that a company called Debt Saviors can be a good choice. This is a non-profit debt management program that has helped over 1 million people repay their credit card debt. It is not a loan, there is no credit check, and no property is needed. Contact Debt Saviors and develop a plan to build your business while you eliminate the stress of credit card debt.
Good luck!
UPDATE: In last months Labor Pains, we answered a letter from a mom who asked why we endorsed MoneyandShopping.com. She doubted that it is really possible to get paid to shop, eat in restaurants and go to the movies. We replied that we do extensive research on every resource we endorse and it is indeed possible to earn money this way.
Over the past month, we were proved right. MoneyandShopping.com gave many of our readers advance notice on restaurants, a wide variety of movie shops, free overnight stays + $10 at Holiday Inn Express locations throughout the US in August and September... and much more. Some of their testimonials appear below.
If you are interested in participating in the Holiday Inn Express opportunity, there is still time. All 700+ assignments will be made available to the members of MoneyandShopping.com first. We don't have an exact date that these assignments will take place, but it will be soon. Membership in MoneyandShopping.com costs a one-time affordable fee and is sure to yield advanced notice of many more special shops like this one and even some exclusive ones. In addition, you will get all the information you need to get started right now. Visit MoneyandShopping.com for more information.
Here are the testimonials from your fellow readers:
"I just wanted to thank you! I am a brand new mystery shopper. I applied about a week ago and I've already gotten my first shopping assignment at a hotel. Who would have thought that I'd get paid to go and spend the night somewhere and just enjoy myself! I'm so excited! Thanks again!"
Michelle Duplechan
"I started secret shopping in July. I read the information in MoneyandShopping.com and immediately got started. I have completed 4 apartment shops and I received my first check today for $85. It's great! It really feels good to earn some extra money. Thanks for introducing me to the program."
Latangela Vann
"I got two shopping assignments! I am doing Holiday Inn in Stanton CA and Lawndale, CA! I can't wait! Bring on the shopping!"
Name Withheld
"I wanted to let you know I got two of the Holiday Inn Express jobs....possibly three. I will be doing one of them in the next few days and the other the beginning of September. I can't wait!. This sounds like a fun one. I will let you know after I do the stay how it went. Thanks a bunch."
Jane Tomashek
"Just wanted to let you know, I did get a shopper placement for Holiday Inn
Express in Port Orchard, WA. Thanks so much!"
Susie Watkins
"I was assigned the Frankfort, IN Holiday Inn Express. She has also asked me to do them two more times in September. Thanks!"
Tina Duncan
"I have been accepted for the Holiday Inn shop and am so excited about it. Thanks for your help."
Cindy Kiermacz
2-Quitting Your Job for a Home Based Business By Angela Wu
Many of us who start a home business do so while we're still working another job. Our jobs provide us with money for living expenses - and, if we're lucky, for funding at least a portion of our business startup costs.
Most people in this position hope to eventually leave their jobs to work from home full-time. But when's the "right" time to quit? While there's no black-and-white answer to this question, here are a few things to consider...
Are you confident in your ability to earn an income?
Some 'experts' recommend that you stick with your home business for at least a year before you consider quitting your job. This will give you the opportunity to 'feel out' any possible trends that may occur during the year. For example, you may find that sales are slow during the summer, and that your strongest months are from January to April.
If your business has been profitable for at least a year, you'll probably feel reasonably secure that you can continue to turn a profit even after you leave your job.
How will you manage your finances?
It's easy to get comfortable with a steady pay cheque. But once you quit your job, your business earnings will likely fluctuate from month-to-month -- sometimes significantly.
How will you plan and budget to cover mortgage payments, day-to-day expenses, child care, and emergencies? Do you have a contingency plan for times when business is lean? Will you have to change your lifestyle, and how? Are you willing to make these sacrifices? Will there be enough funds left over to invest into your business? If not, who can you turn to for a loan, and will you qualify?
Ask yourself questions such as these so that you can anticipate, minimize, and even prevent potential problems.
Do you have a proper working area available to you?
Running a home business is still business, and you'll need a place where you can work comfortably. The old cardboard box in the corner of the family room may have been okay as a makeshift "office" when you only spent a couple of hours a day using it... but do you really want that type of setup when you're running a business full-time?
Ideally, you should have a working area where you can concentrate -- and with some basic furniture that won't give you aches and pains by the end of the day.
A separate room is best. That way you'll be able to keep your business equipment, files, and materials organized and safe from the hustle and bustle of your personal or family life.
Is your business continuing to grow?
Many people find that their business grows in leaps and bounds for a few exhilarating months. Then growth starts to slow, until it 'flatlines'. This could be due to any number of reasons... but a common reason is that you simply don't have the time to continue to build your business while you're still working your job. But your business isn't yet bringing in the same income as you currently make at your job. What do you do?
Unfortunately, there isn't an easy answer. Ask yourself if you're ready to take that final leap - to quit your job before your business earnings have replaced your income. How will this impact your lifestyle?
What does your family think?
Family support is always welcome when you're working hard to build a business. Keep in mind that it's exciting and scary for them, too: they're also affected by the changes in income and lifestyle. Sit down with them and have an open discussion on any upcoming changes.
Best of luck with your pursuit of a new career!
ABOUT THE AUTHOR: Angela is the editor of Online Business Basics, a practical guide on building a money-making Internet business on a beginner's budget. Packed with instantly usable tips, it's the ultimate guide for beginners! Click here for details. HomeWorkingMom.com endorses Online Business Basics.
3-THE WORK-AT-HOME JOB FINDER FOR MOMS IS OUR NEW, FREE AND EASY-TO-USE TOOL TO HELP YOU FIND A JOB ONLINE!
If you are looking for a home job, a freelance job or want to telecommute, pay very close attention.
Mothers' Home Business Network has been doing extensive research about legitimate and verified sources of at-home jobs for 18 years. In the past year, we have had great success. All of our research and tips are enclosed in the FREE Work-At-Home Job Finder For Moms.
You want to work at home but everyone tells you to be careful, that there really are no legitimate work-at-home jobs. You have been taken by a few scams and realize that your desire for a home-based position has overwhelmed your common sense. Don't give up...with the help of our new Work-At-Home Job Finder For Moms you are just getting started!
The Internet has given birth to hundreds of job sites. Most of them are a waste of time for those looking for a real home job or a telecommuting or freelance position. To make your job search easier, we have gathered everything you need to know and put it in the Work-At-Home Job Finder For Moms.
We've made it easy for you to be in the right place at the right time to earn an income at home. The rest is up to you.
You have everything to gain and absolutely nothing to lose, so get started right now - It's FREE!
4-SUCCESS STEPS: Choose Your Dreams, and Begin Living Them Now!!! by Mary Jo Wehniainen
Believe it or not, it is possible to create an incredible, fulfilling and peaceful life no matter what your circumstances. The more you learn to look at and identify how things affect you, the faster you will progress on your own personal journey toward total fulfillment and joy. The most significant changes occur as you begin to "honor" yourself and start making decisions and choices based upon what is best for you. The surprising thing is that as you begin to think of yourself first, your life will be richer in all areas, including your relationships. What I'm talking about doesn't look anything like "selfishness" in traditional terms, and the results are quite different. As you begin to think about yourself first, you become a freer, more loving and giving person. Somehow it works that way. You have to trust the process. This is the beginning of a journey that will last the rest of your life.
One of the best places to start is to decide what you would like your ideal life to look like if you could create it any way you want. In other words, if you sat in front of a blank canvas and were able to "paint" a picture of your ideal life, what would it look like? Where would you live? What kind of car would you drive? How would you look? How would you spend your mornings, afternoons and evenings? What would you do for a living?
If you don't make some choices now about what you want your future to look like, you'll miss out on so much that life has to offer. It would be like deciding to go on a trip, packing up the family, but never choosing where to go! Pretty silly, right?
Here's a fun project. In a full page or two, write out what your ideal day would look like. Make sure it's written in first person, present tense.
Begin when you wake up in the morning. Where do you live? What's in the bedroom? Is it different from where you are now? What does it look like out the window? What are the sounds, smells and/or people that surround you as you awaken?
Who's home with you, and what do you have for breakfast? Did you wake up to an alarm clock, or when you were done sleeping?
What do you look like: weight, clothing, etc.?
How do you spend your morning? What about lunch time? Maybe you'll have a wonderful lunch with someone you deeply love or admire. Who is it, where will you be dining, and what is the conversation? Or maybe you'll choose a quiet lunch by yourself on the beach...
What will you do in the afternoon? Some of your favorite things with people you love? What kind of vehicle are you driving and what's the weather like?
Make sure your picture includes the special assistants who make your life run smoothly. Someone to clean your home, someone else to help in the office and run errands, someone to prepare gourmet meals, a gardener, etc. (these are just suggestions)
What's your afternoon like? Perhaps the travel agent makes a special trip to your home to deliver your tickets and itinerary to the place you've been dreaming of going for years...
What will the evening be like? You get the idea!
Remember, this is YOUR story. Have fun with it. Go overboard - there are no boundaries. The only limitations are those you set yourself.
Don't worry how far-fetched it may seem.
Once you've finished writing out your story, read it every morning and evening. Picturing yourself in your perfect world over and over again is one of the most powerful tools you can use to begin changing your life in that direction.
With a clear picture in mind, what small changes can you make right now to begin making your life now look like your vision? Making these little changes sends a powerful message to the universe that you're serious, strengthens the power of your vision and the potential for its fulfillment. For example, if you see yourself exercising on a daily basis, looking fit and trim, make sure you're doing some type of exercise now - even if it's only walking around the block once a day. If you see yourself waking up peacefully to a quiet breakfast of croissants and fresh fruit with time to read or meditate, at least start eating the croissants and fruit now! If you see yourself with lots of free time for fun with your children, start taking the time right now! Play games with them, take them to the movies, shopping, whatever, but start NOW! The more you take the actions that are within your power, the quicker you'll get the results you desire.
One of the biggest lies any of us could ever buy is "someday I will...". As if when you earn more money, change jobs, lose weight, etc., everything else will be different. It doesn't happen like that! You need to do whatever is within your power to do right now. If you don't, you are not being congruent with your vision, and you're sending mixed messages to the world and to your subconscious. You need to do whatever is within your power to begin "being" the person you want to be, RIGHT NOW!
Anyone who has reached high levels of success and created a wonderful life did so in their imagination first, even if they weren't aware of it. Then all the pieces started falling into place. You can too!
Believing with you for YOUR wonderful vision, and the incredible person you're becoming ... even TODAY!
Wishing you all the best,
Mary Jo Wehniainen
Your Virtual Success Coach http://www.virtualsuccesscoach.com
"Helping Ordinary People Create Extraordinary Lives"
Copyright 2002
FREE NEWSLETTER If you would like to get more specific strategies, tips and ideas on how you can make changes that really count in your life, visit http://www.VirtualSuccessCoach.com and subscribe to Mary Jo's free monthly e-newsletter entitled "Creating the Life You Love"
Mothers' Home Business Network has been searching for a legitimate source for at-home jobs for 17 years. We have finally found it. It's called Home Job Stop, and it's creator is a young single mom named Rita Woods.
Rita Woods knows how to solve a problem. You could say that she is survivor. In her 28 years, she has survived and overcome many challenges and she's the loving mother of 16-month-old Katelyn.
Rita has used her problem-solving techniques to create Home Job Stop, the only home job database that HomeWorkingMom.com feels comfortable recommending. Rita has worked very hard to create her site and parents everywhere are benefiting from her efforts.
Many readers have asked for more information about Home Job Stop. We interviewed Rita for our Mom-To-Mom section. We're thrilled to have added Home Job Stop to our Mom-To-Mom Best Work-At-Home Opportunities section.
HomeWorkingMom.com has very high standards when it comes to any home job claims. We search the Internet and evaluate all resources so that you don't have to do it yourself. Home Job Stop meets or exceeds all of our guidelines.
If you are looking for homebased employment, Home Job Stop could be your life raft in a sea of scams. Sound expensive? It's not. For as little as a $18 ONE-TIME fee, you can join and have unlimited LIFETIME access to an extensive job listing. Or, you can choose to pay a one-time fee of $24 to receive the lifetime access PLUS lifetime e-mail job alerts that will give you a head start over other applicants.
[SPECIAL OFFER -
We are so pleased to announce two new bonuses that have been added to membership in Mothers' Home Business Network: Full access to Home Job Stop's verified database of home jobs, updated daily and the brand new e-book HOMEWORKING MOM SUCCESS STORIES: How They Did It, How You Can Too are yours FREE when you join Mothers' Home Business Network. If you are already a member, you can access these bonuses by signing in the membership site. If you are not a member and would like more details, click here.]
WORKTREE
WorkTree, is a resource that has such a vast, comprehensive database and dynamic up-to-the-minute access to information for your online job search that we voted to add it to our Work-At-Home Job Finder, even though there is a small fee. Here's why: There are over 50,000 links with access to over 3,000,000 jobs that you can search from JUST ONE PAGE! Many other resources and features like a free e-mail job alert - are included. Be one of the first to access this valuable resource.
IS FREELANCE WORK AN OPTION FOR YOU?
"I came to your site (HomeWorkingMom.com) in June 2000 after doing a web search for ways to make money at home. It was at that time I found a link here for eLance.com. I have always been very computer savvy and did a lot of desktop publishing and websites for family members. I decided to do a LOT of online studying and went into graphic design. Thanks to you and your information, I have now made $30,000.00 in my first year of business, and all from the comfort of my home! My children thank you and so do I! You gave me the tools to succeed in doing something I love. Thanks again!"
eLance is an auction-type freelance marketplace and a thriving community in which businesses can post their projects for bidding by freelance professionals. In many ways, eLance follows "eBay" type auction but the projects are posted instead of merchandise and the freelancers bid to get the assignment. The feedback rating system is also used which helps freelance professionals build confidence and credibility in their services. Both buyers and sellers have the opportunity to rate each other. When potential freelancers or employers see good ratings for previous work, they may be more likely to hire that freelancer.
In many ways, eLance has revolutionized the work world. Whether you are looking for freelance work or need to hire a freelancer to help with your business, eLance can help you fill your needs. There is no doubt that it is a valuable source of income, experience, and opportunities. Thousands of freelancers now rely on eLance for much of their business incomes and without any sales or marketing efforts. Few marketplaces compare to eLance in terms of the number, quality and variety of jobs posted. Currently, over 300,000 businesses and individuals in over 150 countries are registered with eLance.
eLance will handle payment from the employer (buyer) and deliver it when the job is completed satisfactorily and eLance will disburse the funds to the freelancer (seller) in the appropriate currency. which gives you the opportunity to win assignments from all over the world. Payment information is confirmed so the freelancer can feel confident when they accept a project, they will be paid. Overall, security features are put in place for both buyer and seller.
Apart from the auction for services, many businesses with projects will go to eLance and review the portfolios of potential freelancers and contact the one they like the best with an assignment. HomeWorkingMom.com has hired many freelancers that way.
You can register with eLance for free which will allow you to look around. However, if you want to showcase your work or bid on projects, there is a low monthly fee, which is well worth the cost. Whether you are a beginner or an experienced freelancer, you can attract work and get the right attention by using eLance.
To take a look at eLance and see what others are doing.
6-MESSAGES FOR MOMS: Carefully selected classified ads.
Michael Webb teaches how he and his wife have not had one fight in their 11 year marriage. He reveals the 50 secrets that not even 1% of couples are doing in order to maintain a blissful relationship. If you are interested, visit now!
This message meets all HomeWorkingMom.com Business Opportunity Guidelines
Are you looking for a fun and very profitable home business? The Basket Connection was chosen as the best mom-to-mom home business opportunity by Mothers' Home Business Network and owner, Joanne Winthrop, is Homeworking Mom Mentor. Go to http://www.homeworkingmom.com/mentor.htm to read more or visit her Web site at The Basket Connection, Inc. to learn more.
YOUR AD COULD BE INCLUDED IN THE NEXT ISSUE OF THIS NEWSLETTER... The cost is only $99 for 5 lines of up to 60 character and spaces each. Your ad will be visible to the 75,000+ visitors we receive each month. And each issue now reaches 100,000+ homeworking moms once a week for four weeks. But be warned: We do not accept blind or questionable opportunity ads so that our readers can trust what they see here in MESSAGES FOR MOMS, and we reserve the right to reject any ad. If you would like to advertise here, submit your ad for review to: momhomebiz@aol.com. Once accepted, you can pay by credit card. E-mail your ad right away so that you can be included in the next issue.
HomeWorking Mom-To-Mom Monthly turns down many ads each month. Some are SCAMS... but not all of them. Most of the ads fall into a new category that we like to call MOs (misleading opportunities). Most of these MOs offer an opportunity to buy an opportunity to sell the same opportunity to other opportunity seekers. Huh? Let us explain. A Web site is set up for you for a fee. That web site offers an opportunity to offer web sites to others selling... more opportunities for a web site. An information product is mentioned, but it is the opportunity that is really the product. Other MOS are selling books but the books don't live up to their implied contents.
Feel sure that you will not find work-at-home SCAMS or MOs in this newsletter. When you see this above a business opportunity message you know you can trust this opportunity because we have done the research for you.
This message meets all HomeWorkingMom.com Business Opportunity Guidelines
Advertisers take note: If we accept your ad for HWM Monthly, our readers will trust your offer.
7-VISIT AND BOOKMARK THESE IMPORTANT HOMEWORKING MOM LINKS:
-You can earn money digging for the information businesses and private clients need. Search the background of a client's potential boyfriend or do pre-employment checks on job candidates. You can even find missing persons all by using your computer and the information provided by
HomeDataBiz
-Did you know that 75,000 people earn full-time incomes selling goods on eBay? If you a have something to sell, broke it, lost it, need it cheap or just can't find it anywhere else, find it or sell it at eBay!
-Dream Jobs To Go ebooks - You can sign up to sell these little gems on your web site or through e-mail to your friends and relatives for some extra cash while you are going after your dream job.
-Online guides to that teach you how to write a winning resume and attention-grabbing cover letters and more. Visit Smart Job Guides. We recommend: "Online Job Searching - What you MUST Know!"
-Announcing "Business Card Breakthroughs", a revolutionary new ebook that will show YOU how to create unusual, memorable, and attention-getting cards that attract customers like magnets! Get your 350 BizCard tips now plus some special bonuses.
SERVICES FROM MOTHERS' HOME BUSINESS NETWORK:
COMMUNICATION:
-No matter what PC or hardware you have. You can easily get 100% more speed and efficiency out of your system...FREE! Double the speed of your Internet now.
-Free 50 minute long distance calling card. We've tried this card and give it an A+ for all the extra FREE features it offers.
This newsletter is designed to provide homeworking moms with inspiration and information. The editor and publisher are not engaged in rendering legal or financial advice. If expert assistance is required, the services of a licensed professional should be sought.
Where would you like to go?
HOME JOB FINDER SPOTLIGHT
WorkTree
HomeWorkingMom.com has a policy of only recommending job sites that are free. We've just discovered WorkTree, a resource that has such a vast, comprehensive database and dynamic up-to-the-minute access to information for your online job search that we voted to make it our newest addition, even though there is a small fee. Here's why: There are over 50,000 links with access to over 3,000,000 jobs that you can search from JUST ONE PAGE! Many other resources and features like a free e-mail job alert - are included.
HomeWorkingMom.com highly recommends WorkTree. We predict that it will be our #1 link very soon. To be one of the first to join, use this link. Click on "Become A Member!".
9-FREE STUFF FOR HOMEWORKING MOMS
Click Here For Mom's Choice - Let us search the Net so you don't have to. We'll deliver the best of it directly to you.
Mothers' Home Business Network does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made on the homeworkingmom.com web site. Under no circumstance will Mothers' Home Business Network be held liable for any loss or damage caused by a visitor's reliance on information obtained through the homeworkingmom.com web site. It is the responsibility of each individual visitor to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through homeworkingmom.com. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content. While official replies from homeworkingmom.com are intended to provide you with information, there is no guarantee that these answers are comprehensive, nor do they constitute legal, financial, or tax advice. Please consult a professional in these areas.
