When A Two-Salary
Income Fails!

How to actually increase your savings
by eliminating the "two-family" income.

by Esther Smith

While this may not apply to everyone, you may find that a second salary brings in substantially less than you thought. 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 never work -- infant needs seemed endless. So she went back to work at her old job.

After a few weeks, they decided to actually calculate their bottom line with and without her weekly pay. This should have been a surprise because there was still no extra money 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 check. 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 able 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 may mean giving up some things until your Internet income equals what you earned offline.

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

•  Selling the second car to save on insurance, taxes 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 by 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

You can’t get back your hours but you can stop giving up more of them.  Start young, retire early.

Download My Free eBook Now
"Invitation To Internet Success"
Be sure to bring your party pants!

This invitation is extended to the 95% who have failed to find any real wealth on the Internet. All of your efforts have been a long line of dream stealers and the road has been tough, I know. Solo all the way and more often than not, the training you were promised was in poverty and patience.

But bless you – you’re one of the few people who is willing to do more, be more and get more out of life. You hang on to the belief that it can’t be all Internet lies because you’ve seen too many success stories. Like me, you get A+ for persistence!

If you’ve been caught in mere existence and true wealth has existed only in your imagination, everything is about to change. We will use a sort of “Velveteen Rabbit” principal; a guide to becoming real. To do this you must break out of the time-for-money trap because linear money (pay earned for hours worked) will never make you wealthy.

Stay close beside me as we do some me-and-you marketing and make yourself some really, really awesome income. We’ll do all the hard work upfront, and then as we move into leveraged income I’ll teach you how to coast.

Leveraged income is like remote control and you will clearly see how easy it is to make money work for you. This knowledge is no different than learning to ride a bike, or use a keyboard – once learned it is yours. You own the knowledge. No one can take it from you. Period.

This time you will do everything right.

This time you will have a plan, a clear view of
success and how to get there.

This is your "Invitation to Internet Success." 

This time you will join the 5%
all wearing party pants!

Esther Smith
Author/Publisher of "The Permanent Venture"

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