Making the Decision: Leave the Rat Race for the Work at Home Pace

| March 14, 2008 | 1 Comment

There is an ever-increasing number of people who are unsatisfied with their jobs. Some people will stay at the job and gripe, moan and complain while others, decide to do something about it.

The complainers who remain at their unfulfilling job justify their decision to stay by giving reasons such as, I need the money, or I’m not qualified to do anything else, or I’m too old, or too fat or too tall or… you get the drift. It’s the select few who take the time and effort to investigate, plan and focus on the possibility of an alternative who make things happen.

The most difficult part about deciding to leave an established, steady paying job to work from home is making the decision to leave your established steady paying job to work from home. Once you make the decision, it gets easier. All of your energy is no longer torn in making the decision, but it is focused on plotting your ‘how to work from home’ course. Here are two of the biggest concerns that workers have when they consider leaving a steady paying job to work from home:

Money

The most obvious factor to consider is where, when and how will you get enough money to maintain or improve your current lifestyle. Working from home is a big change and you’ve got to be able to pay for things like your rent/mortgage, utilities, car note, auto repair, etc.

It’s time to get up close and personal with your money. If you don’t already have one, it’s time to create a budget. You will be able to quickly see how much you make, how much you spend and how much income you need to earn from your work at home venture.

The other major concern is …

Health Care Coverage

For most workers, health care coverage is tied to employment. It takes planning to make sure your health care needs are covered. This is even more important for those individuals with children and/or have special needs. Here are a few options to look into when it comes to health care:

  1. Spouse. If your spouse has a plan, get added to it.
  2. Individual health plans. Depending on which business you decide to go pursue, there are profession-related health care coverage options. Here’s an article on individual health insurance for the self-employed. The article provides enough to get your investigative juices flowing. In addition to the options listed in the article, do some searching on your own (if you’re going to work from home and earn money via the internet, research and investigation will be your middle name – get used to investigating things).
  3. High Deductible Catastrophic Insurance. If you’re generally healthy and are only looking for insurance to take care of big-ticket scenarios, look into Catastrophic Insurance.
  4. Group Plans for Freelance Writers: If you belong to a writing association, you can enroll in the association’s group health plan. Group plans usually cost less than individual health insurance plans. Check out a few of the writing associations listed in this article. You might find an affordable plan that works well for you and your family.

Research, research, research. If you truly want to earn significant money via the internet from the comfort of your home, as I’ve said before, do your research. Unlike the days of old, it’s right at your fingertips (no need to make trips to the local library unless you want to).

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Category: Motivation, Self Employed, Working from Home

About the Author ()

Felicia A. Williams is a freelance writer and blogger. She spends the majority of her time with her family and writing. If she’s not writing or commenting on NJFM, she’s either outside smelling the roses or writing articles for one of her other sites.

Comments (1)

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  1. Eric Transue says:

    Great post Felicia! Sitting down and really analyzing your budget and figuring out your Insurance coverage are very important steps that should be taken when making a huge decision like this.

    Another thing I advise anyone starting a home business is to make sure you are passionate about what you are doing. If you aren’t, it makes it awfully tough to get through the hard times.
    [rq=7055,0,blog][/rq]What is a Backlink?

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