Liza Miller and her husband are living the American Dream.
They’re raising their four kids at home.
In the first few years, they had little money and no real job, so they rented an apartment for $1,200 a month.
It was a pretty good deal.
They also got their first real job in their field: running a small business.
Miller, a certified public accountant, took the pay cut to become a full-time mom.
And she did it by choosing to stay home to raise her children.
The financial independence has helped them get through tough times.
But that independence has also helped them cope with some of the more mundane aspects of life: how to make their food, pick their kids up from school, and keep track of bills.
“There’s not a lot of time for me to go out to the grocery store,” Miller said.
“I’ve got to be in the house.”
That’s when the couple decided to open their own business.
They were able to get their first customer and get their foot in the door with a $100 investment.
They opened up their store to help their neighbors and employees.
Now, the family is thriving, making nearly $600,000 in the last 12 months.
“My life is pretty much in a rut right now, but we’re doing better than other families,” Miller told me.
Miller is a certified accountant who now manages her own financial affairs, but she’s also a mom who cares deeply about her children, who she calls “my best friends.”
The two have a bond that is mutual.
Miller told her kids she wants them to get good grades and to learn to play video games.
But she also has the same kind of advice for those who want to keep their independence but don’t know where to start: “You need to take care of yourself first,” Miller says.
“Don’t worry about your job.
Just get some time off and figure it out.”
And the advice seems to be paying off.
Miller’s children, ages 12, 8, and 4, now attend day care, and they’re all thriving.
But the biggest benefit has been finding ways to keep working from home.
“We’ve had so much trouble paying our bills,” Miller admitted.
“You can get a job, but you have to keep it.”
“We can’t afford to pay our rent.
We’ve got a mortgage and car payments,” she said.
Miller says her family’s financial situation has helped her deal with life’s more mundane moments.
She’s been able to make ends meet by making a living from her consulting business.
She also spends her weekends and holidays with her husband, who works at a small tech company.
And Miller’s experience as a mom has helped prepare her for her career.
“When I’m in the office, I don’t think about anything else,” she told me, referring to the stress of the day-to-day grind.
“And then, when I’m home, it’s really hard to take it all in.
You have to figure out what you’re going to do, what you want to do.”
The good news is that it’s not as difficult as it seems.
There are some important steps you can take to help yourself and your family live in a more fulfilling way.
Here are three things you can do right now to help your family get back on track.
Set Goals: Make sure you’re setting goals for your family.
The most important thing you can tell yourself is, “This is something I want to accomplish,” Miller explains.
“What I’m going to work on, what I’m doing, how I’m paying bills, what my life is like.
And what I think I’m good at.”
If you don’t have goals, you’re missing out on the benefits of a life outside of work.
“If I don, I’ll have a hard time getting things done,” Miller explained.
“So it’s a good idea to set a few goals to make sure you stick to them.”
Miller also recommends setting a time for yourself to hit a goal, but keep in mind that the more difficult it is, the more it will feel good.
Miller believes that by setting realistic goals, she can help her kids get into better academic and professional school, keep their house in order, and stay on track financially.
“The more realistic you are about what you think is achievable, the less difficult it will be,” Miller added.
Set a Budget: One of the biggest things you should do when you’re planning to get your life back on its feet is set a budget.
If you haven’t done so yet, Miller says you should set aside money for things like rent, food, and utilities.
“It helps me keep track,” Miller joked.
“A lot of my bills go unpaid.”
She also recommends checking out your credit score and checking the interest rate on your credit cards to make certain they are accurate.