Would you rather be debt-free or a stay-at-home mom?

Debt free i think, although unless you have credit cards you use too much & things, i dunno. I am a stay at home mum who is debt free - it's hard to explain but i think the people who are still in debt are the ones who are unable to save due to mortgages, car loans & stuff like that. We manage on just my partner's wages - the bills get paid right away, the cars aren't fancy or REALLY new but they're owned & we haven't got any credit cards so there's no debt there either. Honestly, i think too many people get themselves in to trouble by having a mortgage they cant really afford, plus car loans so everyone has a new car & credit cards just add to the amount they have to pay back. If people stopped trying to live beyond their means, there would be a lot less people out there in financial debt! If people didn't have loans or credit cards to pay off, they could save & then they'd be able to pay for their car repairs, buying new appliances etc. Tips are :- get a lesser valued car, it's ok to have last year's model & it'll cost less :) Refinance your home to get a better deal & lower repayments, cut the credit cards coz they only get you in to trouble anyway - LOL! Good luck & it can be done :)

I was a stay at home Mom when my kids were little. I did work at home writing on the computer a bit later in their lives but I never went out to work because my mother worked a LOT (She had to.) and I hated being without her as a kid. My father was home but I wanted my mother! I used to be so happy on days she didn't work and when she came home. I remember that and wanted my kids to always see me as they grew up. When they went to kindergarten, I wanted to be the one they saw when they came running into the house. We didn't have much money and working outside the home would have been great financially but I am glad I did what I did. A bit later, I got a great job and was able to work partially from home and partially from my own office down the street and made my own hours so it all worked out fine for me. Some mothers simply have to work though and, if so, the only thing they can do is spend quality time with their kids when they are home. Sometimes it just isn't feasible for a mom to stay home as much as she may want to. Money's tight everywhere these days. But I am glad I did what I did and we managed with what we had. I am very close to my 21 and 16 year old sons now. I like to think part of it because I was always there for them.

Debt-free, hands down. I love my kids and would like to be home at least a couple of full days a week,but they are all in school now so there is no need for me to be here all of the time. I'd go stir crazy if I didn't get out of the house. Debt-free is not in my near future though. I'm working on it, wish me luck.

when my girls were very small, I was lucky enough to have that option for a short while. Since it was impossible to make ends meet on my husband's pay alone, I did do some work from home and also held a part time job in the evening when he could be home with them. I actually worked harder than if I were to have a full time job out of the home just trying to juggle everything. It was a short lived experience and one I'll always cherish. My husband and I divorced when the girls were young and then I had no choice but to seek a job with a reliable fixed income. To stay home and just concentrate on raising my girls would have been heaven to me.

Same here, I would much rather be a stay at home mom.. Though at times I wonder if I should at least get a part time job to cover some of the bills. My neighbor runs her business out of her home, that would be cool, just got to come up with a business that I can afford to start. lol

I am a stay at home mom for the last 4 1/2years .My daughter has become so attached,that i cant even go pee without her saying "mommy where do you go?".I know though that shes loved sooooo much and i would give my life for her anytime.Ive become so attached to her by staying with her all the time that its kinda hard being independant for me.At least i know it was me mostly the main caregiver for her and not a garderie or babysitter.So i tried my very best to teach her the good ways of life and know that it was me who formed/shaped her to be what she is now.A loving and caring little 4 1/2 year old!.I wouldnt change this "job"ha,ha,ever,I would do it all over again!.

To be honest, I think I would prefer to be debt-free. We just finished paying off all of our debt, and it feels pretty good. We have a lot more choices now. Of course, we also have a child now, so I am mostly staying at home, but I can work while he sleeps.

I'd rather be debt-free, mostly because it's very stressful for us if we have debt. I can work outside the hours that my husband works, and he will do cooking and cleaning, so I think it would be all right to have kids and go to work.

I would rather be a stay at home anyday..I would whatever it takes to stay home and look after my children, and cherish every moment that I have with them and watch them grow.

Debt-free most deffenetly. But if I could make it work with only working part time and then being home the kids got home I would do that. I just don't think I could stay home all day and not have a work life.

I guess I'm fortunate. My MIL watches the kids while I work so we can be debt free, and eventually I'm hoping that will lead to me being able to be home. I'm also fortunate that I set my own work schedule, so I don't miss any of the major things (or minor things) in their lives.

Debt-free of course. I do not like to be in debt thus I will definitely chose the first one.

I have to laugh because when I saw the title the first thing I thought was well I want to be both and then I see that the first sentence in your discussion said that haha. I am a stay at home mom and debt free BUT if it wasent for the programs like welfare and other things I wouldnt be debt free. I havent had to pay for food in years because we've always been low income even with my husband working. I would rather be in debt then leave my kids with a sitter. I dont want someone else raising my kids. They are only little once I want as much time with them as possible.

well i love to be at home even sometimes i dont like to go out as well i feel very relax in my home