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Yes, you read that right.  Mr. BFS resigned from his position as a school librarian last week!!!  Last Friday was his last day!  Today is his first official day to start work from home!!!  HOLY MOLY – WE ARE SMALL BUSINESS ALL THE WAY!!!

Building a Blog and a Business

This all became a possibility towards the end of last year.  My client base was growing very quickly, my income doubled, and my work days were edging up from 8-10 hours a week day to 12-14 hours and big chunks of my weekends too.

For anyone who may have just started reading recently, up until July 2010, I was making about $35,000 a year in a cubicle position.  I started BFS in February 2010 and I started my ad business, Crystal-For-Hire, in April 2011.  By July 2011, my online income was surpassing my day job income and I quit to blog using the best blogging sites and run advertising full time. So yes, you can indeed make money online and even do better than a regular job.

Then everything really went nuts.

It was like everyone was just waiting for me to quit my day job.  Within weeks of quitting, I doubled my client base, discovered a few friendly advertisers, and everything just exploded.  I went from making less than $3000 a month to $25,000 in December 2011 alone!!!  I made nearly $100,000 online last year!!!  Please believe me, it was completely unexpected and I was and continue to be eternally grateful for my success and the luck that helped it happen.

Hubby Stepping Up

I was handling this huge growth by working even more and even longer.  Something had to give.  So last November, Mr. BFS took complete pity on me and started volunteering as my record-keeper.  With so many ad campaigns going on at the same time during busy weeks, records were sucking up 2-3 hours of my days.  This was huge.  And apparently my husband liked it.

After his first real week of helping me daily during the first part of his December break, he really started talking about joining me full time.  We decided then, in mid-December, that he was going to most probably quit his day job at the end of the following semester, so June 2012.

Yeah, We Suck at Patience

Further growth, a closer look at our numbers, and some internal debates led to today.  Mr. BFS just couldn’t see the point in waiting and I really needed the help.  So here we are.  Our entire financial existence now relies on Crystal-For-Hire, which is only 9 months old.  Oh. Holy. Hell.

I am completely excited and sick to my stomach at the same time.  You may pick up on that over the next few weeks.  Our friends and family assure us that we will be great.  We think so too but are too scared to say it out loud too much.  So we will all see.  Just like you will be bombarded with posts over the next couple of weeks about my hunt for the best insurance, handling taxes, handling self employment with a partner, and whatever else ends up on my mind.

Our Finances

As of right now, we have enough cash on hand to handle whatever may come our way for at least a year.  If you take into account our stocks and eventually no mortgage, we can live up to 3 years dead broke each month.  If you take into account our Roth IRA’s, my 401k, and what he has sitting in his pension account, we could technically have no income at all for 5 years and be okay but we’d be living on $2000-$2500 a month.  That isn’t happy but bringing in nothing for 5 years isn’t very realistic either.

By our calculations, we need to bring in $7000 a month to pay for taxes, benefits, and still live on our current budget (which will be updated for you soon).  To pay off our mortgage as planned and keep my stomach feeling happy, we’ve decided to shoot for $15,000 a month just to be on the safe side.  We’ll live on the $7000 and use the rest for the mortgage and a growing safety net. We are looking for the best mortgage lenders for refinancing to hopefully bring that monthly debt down.

Our Eggs in a Brand Spanking New Basket

So yes, all of our eggs are in one very new basket, but we wove that basket well.  I have created a growing business that I love and that hopefully shows.  My husband is fantastically detail-oriented and very intelligent, so with his help, this business will continue to grow, be able to expand even more, and we have always been able to handle more together anyway.  If we can keep up the current pace or set an even better one, we will be financially independent in 10 years or less.  That is an amazing feeling all by itself.  Who saw this coming?  I certainly didn’t.

Move over sanity, the Crystal train is coming through!  WOOT, WOOOOOOT!!!

71 thoughts on “My Husband is Now WORKING FROM HOME WITH ME!!!”

  1. LaTisha @YoungAdultFinances

    Congrats on expanding the business! I’m am very happy to have you as my ad rep and I know this will be a big step but with it freeing up time for you to actively seek out advertisers I think you guys will see even more growth. Good luck with everything!

  2. Melissa

    This is a huge step, but you are right, you are in a much more financially stable position than most who take the leap to self-employment. Plus, with both of you working, who knows how much you could bring in a month! I am excited to watch the growth.

  3. 20's Finances

    I am really excited for you! If I had to bet, you will be financially set in 2-3 years… not 10. Good luck crystal! Here’s to many more exciting months.

    P.S. I think it is really cool that you two get to work together! How awesome!

  4. Working with your spouse, at home, full time. Can you handle it without pulling your hair out 🙂
    Just Kidding! Congratulations on making this big move.

  5. MoneyforCollegePro

    I have been excited ever since I got your email a few days back. I’m jealous, but I know you have worked hard to get to this point. It shows, and i wish you nothing bu the best!

  6. Michelle @ Making Sense of Cents

    So exciting! I’m so happy for you guys.

  7. Jeffrey

    Congrats on another huge step! I hope your business continues to keep growing!

  8. Little House

    It was great meeting you Crystal and like I said, you’ll do great! Congratulations again on this monumental achievement! Very exciting times. 🙂

  9. Money Beagle

    Congrats and hopefully this means even better things ahead!

  10. Jai Catalano

    Congrats Mr. BFS… Party 🙂

  11. cashflowmantra

    Well, congratulations. It is certainly a big step, but one that will enable you to grow even farther and establish a wider safety net. Who knows how long the blog explosion will last? I can see it going on for at least another decade, but the internet does move fast. Nevertheless, it is the same as any other industry which can be here today and gone tomorrow. Keep working hard and doing what you are doing. The biggest advantage you have is adaptability.

  12. Jeff @ Sustainable Life Blog

    That s awesome crystal (even though I already knew) and you should be happy all your eggs are in 1 basket – you’ve got the keys and can go anywhere you want with it. You get to make all the decisions, which should be comforting!

  13. Marie at FamilyMoneyValues

    I wish you both the best of luck and great success – after all my fortunes ride on your company’s success 🙂

  14. John | Married (with Debt)

    Awesome news! Your success is what I aspire to, and I plan to work hard enough over the next 5-6 months that I need someone like you to help me sell ads (right now that is a goal).

    Congratulations on a true small business success story!

  15. Thad P

    That’s awesome. Scary, maybe, but a huge step! Congrats and best of luck!

  16. shanendoah

    Congratulations on being able to make such a big step!
    Depending on your state, they might require you to have some sort of bond or money set aside in an account specifically to cover taxes, so make sure you check in to that.
    Also make sure you get your new health insurance quick quick quick so you don’t have to deal with the hassle of trying to get insurance after not having it. Pay for COBRA through your husband’s old job is possible until you can get something new.

  17. Daniel

    Congratulations, that’s a really exciting change for you guys!

  18. Hunter

    The Cyrstal train, or the Crystal & Mr. BFS Train? It really is exciting watching your business grow rapidly. Where will you be this time next year?

  19. Sheila

    Congratulations that is so exciting for you both.

  20. Evan

    Congrats to both of you! That is fantastic. Have you given thought to building another stream of passive income? Like putting some savings in dividend funds or something that will throw off income without too much time since you don’t seem to have ANY right now lol

  21. Denise @ The SIngle Saver

    I am so proud of you guys, and thrilled to be part of the group that you work for!

  22. Jacky @ small garden love

    I am so happy for you, how awesome! Looks like your doing well and have everything planned out, so enjoy your success! Hopefully soon you’ll also have me as a client.

  23. krantcents

    Good for you! I think you have to grab the opportunity when it is there.

  24. Kris @ Simple Island Living

    Wow, that’s awesome! Goes to show hard work can pay off.

  25. frugalportland

    This is so very inspiring. Really — congratulations!

  26. PFM

    That’s totally inspiring!! Thanks again for your help Crystal, the site is up & running 🙂

  27. Amanda L Grossman

    What a fun new chapter for you guys! Good luck with everything.

  28. Shawanda

    After reading that, I must resist setting unrealistic goals for myself. But still, it’s good to know it can be done. It seems like I see you everywhere so I know you’re working hard. Congratulations to both you and your husband. You’re an inspiration!

  29. Shondell

    This really is inspiring and awesome! Good for you! Greater things are coming for you!

  30. Derek

    That’s awesome Crystal! I’m glad to hear that you guys can work together on your new online venture. You deserve it! Enjoy every minute!

  31. Invest It Wisely

    Very cool stuff, Crystal! I wish you guys the best of luck and many riches ahead!

  32. Jen @ Master the Art of Saving

    Congrats to you and your husband. That’s just so awesome. Can’t wait to hear how great things go. 🙂

  33. Crystal @ BFS

    Thank you all so much for the support!!! And Mr. BFS says thank you too!

    @LaTisha, thank you for being an awesome client!

    @Melissa, I will have to borrow your optimism during scary times. 🙂

    @20s Finances, from your mouth…thank you.

    @Tushar, oh believe me, we are working on plans not to drive each other batty.

    @MoneyforCollegePro, jealousy is okay (at least I truly hope it’s normal) but thanks for recognizing the vast amount of work involved. I appreciate it.

    @Michelle, thank you!

    @Jeffrey, us too!

    @Little House, it was great on meeting you too!

    @Money Beagle, we hope so too.

    @Jai, hahaha. I think he thinks I am a slave driver…

    @cashflowmantra, yep, adaptability and savings. We’re hoping it lasts but will save like it won’t…

    @Jeff, that’s one way to look at it, thanks!

    @Marie, I took your comment as sweet and funny, but I want to take this opportunity to say we know alot of people are depending on us. We worked our tails off today to catch up from my vacation and will start reaching out tomorrow to even more advertisers.

  34. Crystal @ BFS

    Running late, but I promise to answer everyone else late tonight. 🙂

  35. David Hunter

    You ROCK!

  36. Crystal @ BFS

    @John, thank you very much! Good luck!

    @Thad P, thank you!

    @shanendoah, don’t worry, we are covered until January 31st and then the policy we choose on esurance will take over. We are picking over the next two days and I will write about it afterwards. I’ve narrowed it down to about 25…lol.

    @Daniel, thanks!

    @Hunter, your guess is as good as mine.

    @Sheila, thanks!

    @Evan, I emailed you directly so you now know we have dividend yielding stocks. Thanks for reminding me to put together an update post. 🙂

    @Denise, thank you lady!!!

    @Sean, no worries, I have a big mouth – you will hear all about it. 🙂

    @Jacky, email me anytime. 😉

    @krantcents, that was our feeling too. Thanks!

    @Kris, and alot of luck, lol.

    @Jason, me too. 😉

    @frugalportland, thank you!

    @PFM, welcome to the wide world of blogging!

    @Amanda, thanks!

    @Shawanda, thanks and feel free to set high goals as long as you don’t beat yourself during low months. It pushed me.

    @Shondell, thank you. I really hope things at least continue as is if nothing else…one big hope at a time, lol.

    @Derek, thank you!

    @Invest it Wisely, you too!!!

    @Jen, thanks – I hope all of my updates are happy but I figure there will be some drama along the way too, lol.

  37. Crystal @ BFS

    @David, thanks!!!

  38. Kris

    That is amazing, congratulations! For a few years, my DH and I ran an eBay business out of our basement. I worked full time, he stayed home with our son, and we sold, sold, sold to make ends meet. Working together as a couple can be so rewarding!

    Have fun with your success, you earned it!

  39. Tina

    Wow that is exciting news!!! So happy for you both, all your hard work is paying off. Just recently found your blog and really enjoy reading it and following your journey of self employment.

  40. Earn Save Live

    Congrats! This is really exciting. I wish you both the best!

  41. Kraig @ Young, Cheap Living


    Great job! I’m so excited for you. You make it sound so possible to start and building income in a fairly short time frame. Is most of your revenue from your ad business? Does the blog itself generate a good income too (I don’t see many advertisements on it)? Anyway, I wish you, your husband and the future of your small business lots of success in the future. I’d love it if you blogged about getting things all set up and I’ll certainly read what you write.


  42. Ellen

    I now pronounce you Mr and Mrs. BFS! 🙂 Congrats to you Crystal and Mr. BFS. Just make sure you schedule time apart, or you run the risk of driving each other crazy.. 😛

  43. W-at-Off-Road-Finance

    Congrats! You’ve been far and away the most friendly and helpful blogger I’ve encountered in my short time doing finance blogs, and I have no doubt that approach will pull plenty of clients to your business.

  44. Newlyweds on a Budget

    I am so so genuinely happy for both of you!! May you reap all the benefits of your hard work!

  45. Crystal @ BFS

    @Kris, did you two end up wanting to kill each other? I am hoping we work well together…

    @Tina, welcome and thanks for finding me and staying around! 🙂

    @Earn Save Live, thanks!

    @Kraig, feel free to see my income breakdowns – just click on “Income” in the category list on the right. My blogs make up 25-30% of my income and the ad business is the rest. Stay tuned for my posts about what we do from here. 🙂

    @Ellen, don’t worry, he has quite a few out-of-the-house hobbies like designing board games and prototype testing, reffing varsity football, and Curling (the ice sport). We will definitely not be attached at the hip. 🙂

    @W, I’m so glad I’ve been able to help! Thanks for the well wishes!

    @Newlyweds, thank you! I hope we reap the rewards for a ton of people, lol.

  46. Aloysa @ My Broken Coin

    I’ve been reading your blog for more than a year now and it is AMAZING how far you’ve come, Crystal!

  47. Jenna, Adaptu Community Manager

    Congrats! What all is your husband going to be doing now that he is working from home?

  48. My Own Advisor

    Crystal, and Mr. BFS, you guys rock.

    Very well done and I’m very happy for you!

    Continued success – you’ll get the support from me 🙂

    Will include in my Weekend Reading roundup of stellar blogs.


  49. Nate

    Congrats Crystal, you’ve worked to earn this. We hope it works out this way for the upcoming year. You guys will make a great team!

  50. Nick

    Awesome! Congratulations!

  51. ODWO

    WOW! I’ll bet Mr. BFS is doing the Happy Dance daily! 🙂
    Congratulations .. to you BOTH. You have come a long, long way … and you deserve it!
    You had a vision, a dream, to one day to this full time. You are living proof the desire (and discipline) and dedication can make things happen.

    WTFGo! 😉

    I would LOVE to be in your shoes … are lack of shoes, and possibly house attire, and be making that kind of money on a month to month basis. You always hear of those “who made $1 million in just a few years” … are we going to see you in an interview in Entreprenuer magazine soon? (I think we will! or some other kind of similar publication)

    Atta’girl Crystal! 🙂 🙂 🙂
    Same thing for Mr. BFS. (I’ll bet he hated to say Goodbye to the environment he left … not)

    You know, there’s that saying … “Behind every successful person, is their spouse rolling their eyes” … but you 2 are a great team. And the next chapter in this book … begins ……. >:

  52. 101 Centavos

    Congratulations Crystal and Mr. BitFS! Very exciting developments.

  53. Congrats!! That is so exciting that your husband can now work with you, I hope that it helps your business to continue to grow. You’ve done so well is such a short time, take time to enjoy your success too!

  54. Crystal @ BFS

    @Aloysa, thank you!

    @Jenna, he is starting to help me answer emails and get ad deals together.

    @My Own Advisor, thank you!!!

    @Nate, thanks!

    @Nick, thank you!

    @ODWO, had fun talking last weekend!

    @101 Centavos, thanks!

    @Jenna, from your mouth…thank you!

  55. Taline

    Wow! That’s fantastic and very inspiring! Kudos to you guys for taking on working together 🙂

    Congratulations and hope you business grows, grows, and then grows some more!

  56. Mike Mitchell

    And the great thing is, with his help you both seem happier than ever. It’s great to spend time with you when you’re caught up on things and can actually sit down and enjoy dinner, play a board game, or just chill out with your friends. So far, this has been an AWESOME change for the best for both of you!

  57. Crystal @ BFS

    @factoring, good luck!

    @Taline, thank you!

    @Mike, it is very nice to be able to connect with people again without having to take breaks to check on business emails, lol. 🙂

  58. Bach

    Congrats! Now that you are a couple of months in, how is it going? Do you love the extra time together, or do you want to (lovingly, of course) kill each other? Are you still feeling better on making the money work? I’m sure with more help you are able to do exponentially more!

  59. KK @ Student Debt Survivor

    Woo hoo, congrats! You guys work so hard, it couldn’t have happened to nicer people. Wishing you many many years of good income and happiness working together!

  60. Christine @ ThePursuitofGreen

    That’s amazing! I hope your past year has been wonderful!

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