When A Two-Salary Income Fails

While this may not apply to everyone, you may find that a second salary brings in substantially less than you thought it would. In the beginning, Rachael thought that since she and her husband were just about breaking even as a couple, that staying home with the new baby would not work -- infant needs seemed endless. So she went back to her old job.

After a few weeks, they decided to actually calculate their bottom line with and without her weekly pay. This should not have been a surprise because there was still no extra funds at the end of the month. Rachael's second income necessitated extra expenses resulting in a near-breakeven budget once again.

When you consider the hidden expenses of a two-income household you must include the obvious ones like child care and commuting costs. Add to this -- order-out lunches, and those quickie dinners like take-out or prepared heat 'n serve selections. Office clothes and dry cleaning will apply to some.

Increased exposure to common illnesses for the child in daycare caused Rachael's absence from work more often than her single co-worker taking another bite out of her weekly paycheck. Rachael's second salary pushed them into a higher income tax bracket bringing an added burden at tax time.

If a two-salary income doesn't work any better than the one-salary did, then your answer has to be the Internet. To accomplish this without household friction, you must have three things going for you: (1) partner's cooperation: he/she must be willing to share some of the household duties without complaint. (2) your flexibility: to be able to work odd hours like when the baby sleeps, and (3) the biggest of all, sacrifice: working at home will mean giving up a few things until your Internet income equals what you earned offline.

When new mothers were asked what they would be willing to sacrifice to stay at home and work, some of their answers were:

  • Selling the second car to save on taxes, ins, and loan payments

  • Cable TV

  • Wal-Mart weekly stops

  • Cigarettes; a costly as well as unhealthy expense

  • Dinners out

Some added their willingness to shop for baby clothes at the thrift-store (they were surprised at the bargains). And almost all have begun coupon shopping; a big savings on the food budget.

The latest research states that 8,500 new home businesses are started every day in the U.S. So if you have been lifting couch cushions looking for loose change, get in on the Internet opportunities but you must be open to all possibilities. When you limit your focus, you limit your choices of income.

Opportunities such as Clickbank or Payaah are two popular avenues that can set you up in a heartbeat with multiple programs under one umbrella. You can hit the ground running, and explore other offers at your leisure.

Works for me.

© 2004 Esther Smith

About The Author

Esther Smith is editor of Partners-For-Profit Newsletter; always a good read, and publisher of http://thepermanentventure.com

[email protected]

In The News:

Open Relationship Rules & Boundaries For Polyamorous Relationships  YourTangoOpen relationship rules and setting boundaries for polyamorous relationships are crucial if you want to make non-monogamy work for you so here are a few ...
How Childhood Trauma Prevents You From Having Healthy Relationships & Love | Janie Lacy  YourTangoWhen you've experienced childhood trauma, healthy relationships may not be as easy to achieve but in order to heal your traumatic past, you need to be aware ...
4 Boundaries to Keep Relationships from Becoming Sexualized  Thrive GlobalSince male-female partnering relationships have the potential for becoming sexualized, we need to enter these relationships in a wise manner. Our actions and ...
These 2 Zodiac Signs Are Most Likely To Have Unpredictable Relationships  BustleThe most up-and-down relationships can look really overwhelming from the outside, even if the people inside them see everything as perfectly normal.
These are the signs you're ready to label your relationship  New York Post It takes six weeks from on average for new couples to 'have the talk' and finally put a label on the relationship, according to new research. The...
8 Ways To Have More Intimacy In Your Relationship, Because It's Not Always Easy  Elite DailyI always love hearing about my friends' partners and their relationships. I find it so neat when couples find balance with each other and one of my favorite things ...
5 Of The Best Relationships On Orange Is The New Black (And 5 Of The Worst)  Screen RantOrange is the New Black is built on the relationships of its characters, and while some are great, others were pretty bad.
Money and relationships: 5 tips to budget and manage finances as a couple  PINKVILLAManaging finances together can be a bit difficult in the beginning. If you're just starting out with your partner, here are some simple steps to keep in mind.
6 relationship trends that are taking us by surprise  Times of IndiaFrom couple therapy, online dating to short-term monogamy, here are a few trends that are definitely here to stay!
Fiction allows some to enjoy relationships vicariously  ScienceBlog.comPeople who have trouble with romantic relationships may watch movies and TV shows for more than just a chance to escape from their lives for a bit. New.
5 ways technology is changing relationships  KSL.comTechnology has fundamentally changed the way we interact with each other.
5 signs that you are not ready for a relationship  FeminaEveryone around you is enjoying being in a relationship, but you are still wondering. Watch out for these.
Building Customer Relationships In An Age Of Disloyalty | By Wynand Smit  Hospitality NetAs hospitality businesses we understand and recognise the role that loyal customers play in our commercial success, which is why (according to a recent study ...
Fresh protests over gay relationship lessons at primary school in Birmingham  Sky NewsProtesters tell Sky News being homosexual and muslim 'don't coincide together'.
What Is Considered Cheating And Infidelity In A Relationship According To Experts  YourTangoWhat really counts as cheating? According to several different experts, these are the things that define infidelity in relationships.
Workshop teaches youth about self-worth, relationships, sisterhood  KTREAfter seeing a need to address the challenges that many young people face in today's society, Coach Ivorie Ford decided to pour the real truth about what God ...
6 on-screen WWE couples that became real relationships  SportskeedaSparks flew with these WWE couples, on and off screen.
Why "Settling" Was The Best Decision I Ever Made  Refinery29One woman shares why she's OK "settling" for the imperfect romantic partner.
What Types of Relationships Lead to Marriage?  Psychology TodayResearch reveals the type of commitment that paves a path to permanence.
Money and relationships: 5 ways couples can plan their finances together  The News MinuteFrom long-term insurance policies to creating and tracking a budget, here are a few ways you and your partner can plan your money for the future.
Destinations Still Rely on Relationships to Attract Events  SkiftSecuring and hosting a large meeting or convention can be the pinnacle for a destination. How you go about it can range from using the latest technology.
7 Small Things That Can Build Resentment In Relationships Over Time One thing that can really  BustleOne thing that can really change how you feel about your partner is resentment. The thing about resentment is that it builds up slowly over time. You may not ...
How to Use 'the Law of Reciprocity' to Build Better Business Relationships  EntrepreneurAs an entrepreneur, you have countless relationships you need to manage on a daily basis. There are your employees. There are the vendors who provide ...
DIY is bad for your wallet, health AND relationships, research finds  The SunA NATIONWIDE survey of home owners has found that Britain is wasting a whopping £1.6bn a year on botched do-it-yourself projects.
How MSMEs can create a win-win relationship with their customers  Economic TimesThe secret sauce behind happy customers is to have happy team members. You cannot create happiness on the outside if your organization is not happy on the ...
Ask Amy: My husband digs up dirt on everything I like  Omaha World-HeraldDear Amy: I'm writing about a curious thing my husband does that tends to hurt my feelings. I'm not sure how inconsiderate he may be, or how over-sensitive I ...
Feeling Lonely in Your Relationship? Here's What to Do About It  TIMEThere are many culprits to feeling lonely in a relationship. Here, experts explain why you might feel this way and how to overcome it.
7 things modern dating gets wrong, according to a relationship coach  INSIDERModern dating coach Sami Wunder spoke to INSIDER about everything that's broken with modern dating, and how we can fix it.
Nonprofit View: Mediation services can help with spring cleanup of relationships  Carroll County TimesIt is time to celebrate! It looks like spring is finally here after what feels like a very, very long and wet winter! Spring evokes feelings of excitement, new beginnings ...
5 zodiac signs that are happily single than being in a relationship  Times of IndiaEveryone has their own priorities in life and interestingly, a person's zodiac sign says a lot about how he or she views a romantic relationship.
The Charity Clothing Women Fleeing Abusive Relationships  ForbesAfter fleeing an abusive partner, Rachael Bews decided to do something to help other women in crisis - by providing them with clean, quality clothing.
9 "Annoying" Habits Your Partner Has That Means Your Relationship Will Get Better With Age  BustleIf you've been with your partner for a while, you've likely picked up on a few of their more "endearing" quirks and eccentricities. These are traits that can make ...
Here's What It Means To Have "Trust Issues" In Relationships, According To Experts  Elite DailySimilarly to "DTR" or "open dialogue," the phrase "trust issues" gets used a lot when talking about dating. But what does it mean to have trust issues? Although ...
Woodley teacher banned for sexual relationships with pupils  Bracknell NewsA DISGRACED teacher from Woodley has been banned indefinitely from the profession for engaging in sexual relationships with pupils.
Is your relationship on autopilot? Here are 5 powerful ways to switch it off  PINKVILLAA relationship is about two people actively engaging with each other. Sometimes, this relationship goes on autopilot. Here's how to switch off your relationship ...
Why Schools Should Be Organized To Prioritize Relationships  KQEDResearch shows that when teachers forge strong relationships with students they learn better.
Tiny Love Stories: ‘Relationships Are Like Shoes’  The New York TimesModern Love in miniature, featuring reader-submitted stories of no more than 100 words.
Christian U Flip-Flops on Gay Relationships  Inside Higher EdAzusa Pacific University, an evangelical Christian institution that last fall notably removed its ban on same-sex relationships only to reverse course a few weeks ...
Opinion: Racial division can be overcome through relationships  Cincinnati.comBecause we don't know each other, we tend to not trust each other. Once we know each other, there is much we can do with each other.
Azusa Pacific Drops Ban on Same-Sex Student Relationships, Again  ChristianityToday.comAzusa Pacific University (APU) has gone back and forth this school year on whether to allow students to date members of the same sex. Current Issue.
Defensiveness: An Enemy of Growth and Good Relationships  Psychology TodayDefensiveness is an enemy of relationship satisfaction and longevity. Fortunately, there are ways to counteract it.
Science Shows These Are The 11 Secrets To A Happy, Long Relationship  BustleLong-term relationships don't have to be boring. As amorphous as relationships are, scientific research has still been conducted, particularly in the last century, ...
Is Everybody Wrong About Kate Beckinsale and Pete Davidson's Relationship?  The Cheat SheetEven if May-December relationships are nothing unusual in Hollywood, it's rare to see a couple like Kate Beckinsale and Pete Davidson.
4 Ways To Build Communication Skills In Your Relationship, Because They're So Important  Elite DailyRelationships are more than just cute texts and romantic dinners. They take work, and anyone who has been in a relationship knows that to be true. You and ...
The Wonder Years: Kevin Arnold's 10 Best Relationships  Screen RantThe Wonder Years is a great show for how it depicted the trials and tribulations of young love. these are Kevin Arnold's best relationships.
'Stick Fly' at The Meadow Brook is relationships, race and rich people  encoremichigan.comROCHESTER HILLS, Mich.–The people we meet in the play Stick Fly have gathered for a long weekend at Martha's Vineyard, where they have a lot to unpack.
The enduring value of customer relationships  Automotive NewsGreat dealerships know strong relationships with their customers can make the difference between success and failure in the business, writes Automotive News ...
Why Great Leaders Focus On Mastering Relationships  MIT SloanGreat leaders are distinguished by their ability to master personal relationships.
This Is How Women Get Stranded In Unhappy Relationships  mindbodygreen.comWomen are socialized to prioritize romantic success above all else, which leads them to stay and try to work on relationships that no longer serve them.
Physical signs you're in a bad relationship  INSIDERIt's easy to dismiss your headache as a result of too much coffee, or your nerves as normal butterflies. But your body could be telling you more than you realise ...
New Home Builders Association CEO talks about what’s next for industry  Dayton Daily NewsRoughly six weeks into his new job as CEO of the Home Builders Association of Dayton, Eric Farrell is focused on continuing the legacy of a decades old ...
Analysis | Is something missing from my stable relationship? Why a little bit of boredom is a good sign.  The Washington PostI spent years in the dating pool, searching for a long-term relationship. To get there, I went on hundreds of Tinder dates, encountered commitment phobia ...
Women in tech: Success still hangs on relationships and privilege  EngadgetMarch is Women's History Month and last Friday was International Women's Day. Many organizations, including tech companies, took the opportunity to ...
How To Ask For More Space In Your Relationship, Because It's Not Always A Bad Thing  Elite DailyShowing someone how much you love them is so important to the success of a relationship. But loving your partner and smothering your partner in that love are ...
Is your phone ruining your relationship? Take this test to know  Times of IndiaAccording to a study, one-third of the people in relationships feel ignored because their partners are constantly busy with their smartphones.
Tanzania model Hamissa Mobetto single again after string of failed relationships  Tuko.co.keTuko.co.ke News ☛ Diamond Platnunz baby momma Hamissa Mobetto has once again found herself single after a string of rebound relationships failed to work.
Pope: 'Miracle' of cooperation based on relationships not profit  Vatican NewsThe 'miracle' of cooperation is a team strategy that opens a gap in the wall of an indifferent crowd that excludes the weakest.” Those were Pope ...
Why Has Taylor Swift Been So Secretive About Her Relationship With Joe Alwyn?  The Cheat SheetTaylor Swift writes about her love life in her music. Her albums, Red and Fearless are riddled with ballads about past loves, romances, and broken hearts –many ...
Pregnant Stacey Solomon admits she takes notes during her relationships  Daily MailStacey Solomon admitted she takes notes during her relationships to defend herself in arguments in a candid chat on Thursday's Loose Women.
How to Make an Open Relationship Work  FatherlyExpressions of romance are evolving. This is a good thing. And for those who are up for it, open relationships have a lot of benefits. But there are lot of important ...
Healing in the wake of emotionally abusive college relationships  The Daily Tar Heel*Content* warning: This article contains graphic depictions of abusive relationships, emotional abuse, physical and emotional violence and manipulation.
How To Save Your Sexless Marriage & Get Intimacy Back In Your Relationship | Adam Ayala  YourTangoBeing in a sexless marriage can make one spouse feel lonely and unwanted by the other but if you respond by doing this one thing, you'll be able to fix your ...
7 Ways Narcissists Manipulate Relationships  Psychology TodayHow narcissists use "narcissistic supply" to exploit relationships.
Christian University, Azusa Pacific, Lifts Ban on LGBTQ Relationships - Again  CBN NewsAzusa Pacific University has lifted its ban on LGBTQ relationships on campus for the second time.
Using technology to build, nurture relationships with clients  Maryland Daily RecordAcross industries, *service* providers – including lawyers -- are trying to learn as much as they can about their clients. Thanks to client relationship management ...
Does Camilla Parker-Bowles Have a Good Relationship With Meghan and Kate?  The Cheat SheetAs can be evidenced in pictures of the royal family, Prince Charles gets along wonderfully with his daughters-in-law, Kate Middleton and Meghan Markle. He can ...
Syracuse police chief promises to seek better relationships with officers  syracuse.comKenton Buckner greets Assemblyman Al Stirpe during Buckner's searing in as the new Chief of Police for the City of Syracuse. Buckner's relationship with ...
How I recognised I was in an emotionally abusive relationship  ABC NewsHaving experienced domestic violence as a child, I always thought I was "too smart" to enter or stay in a harmful relationship but one phone call made me ...
6 Zodiac Signs That Have Great Friendships But May Have Difficulty With Relationships  BustleEvery zodiac sign has their share of strengths and weaknesses. When it comes to relationships, some zodiac signs are better suited for long-term commitment ...
J.K. Rowling has shared more details about Dumbledore’s relationships  Cosmopolitan.comAfter previously confirming that Dumbledore was gay (despite there being no reference to this in the books or films), Harry Potter author J.K. Rowling has ...
How to Marie Kondo your personal relationships  Fast CompanyYou've already cleaned house and now you want to clean up your personal life. Here's how you can apply the KonMari method to your relationships.
THESE are the reasons based on your zodiac sign why your relationship is not working out; Find out  PINKVILLAThere are some zodiac signs that are not at all compatible even after working on the relationship tirelessly. Find out the zodiac signs which cannot really make it ...
Mike Tomlin: Relationships with Antonio Brown, Le'Veon Bell had run their course  DKPittsburghSports.comPHOENIX -- After a tumultuous offseason, Mike Tomlin is focusing his sights on 2019 with less talk and more wins on the field.
Your phone might be messing with your sleep, work and relationships  9HoneyYou might not have heard the word technoference. But you're definitely familiar with the phenomenon it captures. Psychologists coined the term several years ...
Game of Thrones' Kit Harington says relationships were "frayed" filming final season  DigitalSpy.comKit Harington has revealed relationships were "frayed" while filming the eighth and final season of Game of Thrones.
Half of Young People Aren't in a Relationship  KCBSThe rise in dating apps doesn't seem to correlate with the number of relationships that young people experience these days. In fact the General Social Survey, ...
How to Get Over a Toxic Relationship - Moving On From Toxic Relationship  Cosmopolitan.comOne of the most confusing aspects of breakups is who we end up taking the longest to get over. Why, for instance, does it feel easier to bounce back from parting ...
School pupils to be taught about relationships  BBC NewsHealth education for pupils of all ages will be part of the curriculum in England from September 2020.
Can meditation heal your relationship? 5 powerful tips that will solve your problems  PINKVILLAMeditation has a huge impact on our lives and serves as a healing mechanism for various problems. Relationship problems can be healed through meditation.
8 Creative Ways to Invest in Your Relationship  Thrive GlobalIt's never too late to strengthen your romantic connection or show your partner you care — no matter how many years you've been together.
9 toxic relationship habits we mistake as healthy  IOLIt's important to ensure that you aren't unwittingly nurturing toxic habits with your partner, says Jenni Holdsworth.
Relationship experts reveal top tips for dealing with a breakup  Daily MailClinical psychologists Alexandra Solomon, from Illinois, and Wendy Walsh, from Los Angeles, shared their top tips for successfully getting over a breakup with ...
3 benefits of being in a relationship  HivisasaBeing in a relationship is one of the sweetest experiences that every human being should have a chance to go through.Being in a relationship turns out to be ...
Men Reveal What Really Stops Them From Committing To A Relationship  D'MargeFrom feeling pressure to be single to not feeling enough attraction, these are the real reasons men make lame excuses not to commit.
Which BTS members are in relationships?  Metro.co.ukThe BTS boys are among the biggest K-Pop bands in the world – and there are plenty of fans out there who would give anything to date one of their number.
Planet Ant Theatre Explores Intercultural Relationships In America With Local Playwright, Emilio Rodriguez  Broadway WorldMamacita is a new play that explores the challenges and triumphs of maintaining an intercultural relationship in America. When the charismatic, 'Barrio Boy' ...
Love Island's Dani Dyer on making her relationship with Jack work  DigitalSpy.comLove Island's Dani Dyer has ruled out ever doing another reality show with boyfriend Jack Fincham after the pair won Love Island 2018.
JK Rowling: Link and Tingle had an 'intense sexual relationship' /s  Nintendo EnthusiastWell, this one is a doozy. Coming off her shock announcement that Dumbledore and Grindelwald had an intense affair, JK Rowling has revealed that the wizards ...
Having A Crush Is The Best — It's Even Better When You're In A Relationship  Refinery29Thirsting after unattainable people is a pillar of my personality, even though I'm in a committed relationship. For me, a crush is self-care.
Rico Swavey reveals pre-BBNaija relationships with Princess, BamBam  The PunchThere were drama and shock on Wednesday night as Rico Swavey and Princess revealed surprising details of their pre-Big Brother Naija relationship. ...
How The Workplace Complicates Our Relationship With Food  ForbesOur relationship with food currently is unlike anything our ancestors would ever have known and workplaces may add further complications.
As Payments Go Social With Venmo, They're Changing Personal Relationships  NPRMore people are using mobile money apps to pay each other without cash. With Venmo, its social network is a key part of the payment process, and it's changing ...
Anna Faris & Chris Pratt's Relationship After Splitting Is #DivorceGoals As a child of divorced parents  RomperAs a child of divorced parents, I can attest that ending a marriage can be rough — especially when kids are involved. You're connected by a child — meaning ...
Tufts announces review of its relationship with Sackler family  Tufts DailyThe university has recruited Donald K. Stern, a former U.S. Attorney for the district of Massachusetts, to review Tufts' relationship to the Sackler family and its ...
Money & relationships: What if your brother asks you to be a loan guarantor?  Economic TimesIn the third part of the new series, ET Wealth talks about the consequences of being a guarantor and the questions to ask in order to avoid a rift with your sibling.
MAFS Jules confirms: Dan and Jess' relationship is 100% fake  GirlfriendMarried At First Sight Jules has revealed that she doesn't think Jessika Power's relationship with Dan Webb is real, calling her out for her mistakes on the show.
More Than 'A Campaign Against Hunger,' this Org Inspires Healthier...  Brooklyn ReaderBrooklyn's largest food pantry, The Campaign Against Hunger, is fighting hunger and poverty while changing the borough's relationship to healthy food.
Is Kailyn From 'Teen Mom 2' Dating Chris? The Pair's Relationship Has Been Rocky  RomperTeen Mom 2 star Kailyn Lowry has been in a rocky on-and-off again relationship with Chris Lopez, the father of her third child, for more than a year. But following ...
Saratoga County student-athletes dedicated to raising awareness of relationship violence  WNYTShenendehowa's boys track team will be honored for its work to discourage relationship violence.
Trump-Netanyahu: How two leaders reap political rewards from their cozy relationship  USA TODAYWASHINGTON – If President Donald Trump has a true political bromance with any foreign leader, it's probably Israeli Prime Minister Benjamin Netanyahu.

Do Men Just Want Mommy?

Accomplished women are losers in romance claims NY Times columnist... Read More

Are You Codependent or Independent?

Why is it that depending on others to fulfill our... Read More

Relationship Advice: 9 More Must-Know Tips for Couples

The Law of Two QuestionsThere are two questions that couples... Read More

Managing Miscommunication - Asking The Agreement Question?

A man and woman were trying to move a couch... Read More

Celebrate Friendship Day with Fresh Flowers!

Send flowers this Friendship Day, Sunday, August 7th! Across the... Read More

How to Use Your Brain to Seduce Women

CHESS-MATEIf you're one of those guys telling to yourself that... Read More

Cheating Spouse: 7 Legitimate Motives for Spying

Should you spy on your cheating husband or wife? You... Read More

Friendship Advice for a Shrinking Planet

Ahh, friends. The people we pick up along the proverbial... Read More

Ulterior Motive

Direct Answers - Column for the week of June 7,... Read More

Preteen Relationships

Even preteens have relationships that are important to them. In... Read More

Real Solutions For Combatting Extreme Shyness

Most people experience some degree of shyness from time to... Read More

Are You Looking for Ms. Right or Mr. Not so Wrong?

Do you want to find the "love of your life?"It's... Read More

The Healing Power of Forgiveness

People who experience bad health often have major league forgiveness... Read More

Relationship Tune Up - 7 Key Points to Avoid a Break Up or Break Down

"Every three months or 3,000 miles."That's how the sticker in... Read More

How to Improve Relationships with Feng Shui Remedies

In order to improve relationships, many people have increasingly turned... Read More

Relationship Advice: Why Brad and Jen Broke Up and What We Can Learn from Them

It's been a few months since the riveting headlines: The... Read More

Top 10 Ideas to Revive a Fizzling Relationship

Love is exciting, and when a relationship is new, almost... Read More

How Can Empathy Shape Your Values?

One of the most underrated concepts that most people overlook... Read More

Forgiveness

"The important thing to remember when it comes to forgiving... Read More

Communication in Dating

Does your dating relationship have good communication? Communication during dating... Read More

Tips for Building Love Relationships - 1

Nearly everyone claims to want a great relationship with their... Read More

Relationships Technology

The notion that there can be a technology of relationships... Read More

Do You Love Reading The Daily Horoscopes, Part I

Have you ever wondered why you feel an instant attraction... Read More

Put-Downs: The Whole Story

What put-downs really areLet me begin by saying what they... Read More

How to Tell If Your Boyfriend or Husband Is Cheating On You

The word infidelity brings with it fear to every woman... Read More