It is extremely hard to work at home. Even if you have a sick child screaming for you to sit and rock them you may have a dead line that cannot be pushed back. Who will you choose? Your child? Then you will be unreliable and not be allowed to have any more of that companies business. If you are busy and talking on the phone to a client who is at work and you can't hear them because your little ones are trying to get your attention, how professional do you think they will see you?
Working at home is not what a lot of people imagine it to be. The only way it really works is for the kids to go to day care and mom has the house to herself so she can do her job.
My sister has a home business. She sews clothes and sells them on Etsy. She made a mistake a couple of weeks ago when she was babysitting her grand kids and packed a tee that was not the right one.
The mom she sold it too doesn't want to pay shipping and handling to mail it back then have to pay the additional cost of having it mailed to her again, I mean who would? So my sister has to pay for her own mistake.
She had to pay $10 to ship the wrong tee shirt back to her house then pay $10 again to ship the right tee to the mom. She would save $10 if she just let the mom keep the wrong tee but it's part of another set. What if she lets her child wear it before sending it back too?
She is out $20 for a simple mistake that would not have been made had she not been watching her grand kids. It was Fall Break and they wanted to come stay with her while they were out of school.
She barely breaks even with her costs and time and she sells tons of stuff. She is mailing some garment or accessory every other day if not every day, and barely breaks even. She has enough to make a furniture payment and a very very low car payment, it's like $95 per month.
She works her hiney off from sun up to sun down too. She works every day, even Saturdays and Sundays after her church meetings. She does an occasional craft show too, they are often all weekend and her hubby has to go with her to help her set up and tear down, and watch the booth if she needs to go to the bathroom. Again, she is busy with her business nearly 24/7/365. There are no vacations, days off, time for herself or her family. They are an older couple in their 50's and they don't do much together. He goes to school full time and is working on his engineering masters. They don't need the money but she is driven to provide an income for herself so she is not dependent on him for extra money.
Another mom I know was working at home and was expecting her pay check on payday. She had to go pay her bills since her electricity was behind. They were going to shut it off the next day if she didn't pay it by 5pm the day before. She "knew" she was going to get paid, she had been getting paid on time for several months. They didn't pay her that payday, her check bounced, they turned off her utilities, she got called in to child welfare, and nearly lost her kids because she was doing a work at home job that had been dependable. The owners left the country and took all the money with them. She never got paid for her work.
It is extremely scary to do work for someone you don't know. They may or may not pay you. It is so much safer to go to work at any place that will hire you and pay you for sure.
If your family income in not over $57,300 with a family of 4 children and 2 adults then you do qualify for child care assistance. If you only have 3 children then your top income would have to be under $49, 968.
If your income is less than these totals it might be that you would pay pennies on the dollar for costs for child care.
I had a family in my center that had 3 children and the parents both had good jobs. They each made over $15 per hour and they had a co-pay of just a couple hundred dollars per month for total child care.
The state of Kansas will even pay your child care if your income is low enough and you are a full time student. The money is there is you qualify in your income amount.
So if you are truly having financial troubles and you can't make it then you need to go to work so your family will not suffer for your desire to be a SAHM. As noble a calling as it is to stay home with the kids they need food on the table and heat in the air this winter. They need a mom who will sacrifice her desires and go find an income so they won't have to do without.
Here's the link with the family sizes and income requirements.
http://www.dcf.ks.gov/services/ees/Pages/Child_Care/Child...
Here's their link to some other services they offer to families who need a helping hand for a while.
http://www.he.k-state.edu/fnp/Food%20Assistance/Food_Assi...