Victoria's Notes
          Published By Graphico Publishing
          P.O. Box 488 
          Bluff City, TN 37618

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                 When Should You Quit Your Full-Time Job?

          When you start your business from home you are told to hold on to
          your present job until your business is making enough money for
          you to stay at home. But don't make the grave mistake I made when
          deciding "how much" you are supposed to make before quitting your
          full-time job.

          If you bring home $250 per week from your regular job, don't quit
          just because your home business is bringing in $250 per week in
          income. Why? Because at your regular full-time job the employer
          provides ALL of your operating materials to do your job. When you
          work at home for yourself -- you have to fit the whole bill!
          There's a big difference!

          As a legal secretary in the late 1980's I was used to bringing
          home $500+ per week in salary. This was dependable income. I
          could plan my expenses for the next six months based on $2000 per
          month in income. However, when I made the transition to working
          at home, $500 per week wasn't enough. I needed at least $800 per
          week ($300 for office expenses, postage and advertising plus the
          $500 I was used to living on.)

          But I made the mistake of assuming that I would be reducing costs
          by: (1) eliminating travel expenses to and from work: (2)
          eliminate eating out at lunchtime; and (3) eliminate the need to
          buy clothes and shoes for the office.

          I felt the elimination of these extra expenses would be saved by
          being at home working -- which would more than compensate for the
          extra office supplies and day-to-day operations I would incur and
          need to operate. But it DIDN'T happen this way.

          Owning and operating a business takes a lot of money. Just
          because you make $500 per week doesn't mean that you get to keep
          $500 per week. Depending on what type of business you have, you
          may only get $25 or $50 of that $500 to live on. And how many
          groceries will $25 or $50 buy these days? (Don't forget you still
          have the rent or mortgage to pay, electric and gas bills, etc.)

          Now please don't think I am trying to defer you from going into
          business. That's not my intention at all. I only want you to
          realize the HIGH costs of doing business so you don't make the
          same mistakes I did. 

          Remember when you fist moved out on your own and your parents
          urged you to have $2,000 or so in savings BEFORE you moved? Why
          did they tell you this? Your rent was only $300 per month so why
          would you need $2,000 in savings? You wanted your "own" place and
          you were willing to pay the price of struggling financially just
          to have it.

          A business is the same thing. You can smell and taste the freedom
          of having your own business at home. But if you quit your secure
          weekly income too quickly, you'll have to go back working for
          someone else until you can take the plunge again.. Isn't it
          better to work and save up the $2,000 cushion you need before
          quitting the job you have now?

          I've personally know 4 or 5 people who quit their secure job too
          early in order to work from their home. And every one of them had
          financial trouble, had to file bankruptcy and made life hard on
          their families. this is NOT good! It's not good soil that will
          make your business grow and prosper. 

          Good luck! I hope you don't make the same mistakes I did. My
          mistake cost me almost 8 years of financial struggle before I
          finally began making enough money to survive. And those years
          were so hard and mentally draining -- I would never want to
          experience them again!


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