Over and over as I visit churches and present the No Debt No Sweat! Christian Money Management Seminar, moms (and thoughtful dads) ask what they can do to get mom home with the children.

Today, moms are looking for ways to quit work and be at home with their kids in record numbers. On May 4, 2004, USA Today reported that the percentage of working mothers with infants slid from 59% in 1998 to 55% in 2002. Obviously, if a family spends less money, it doesn't have to put as much emphasis on earning more money by forcing Mom to leave home for a job -- or by requiring Dad to work way too many hours each week. To begin living this way it's going to take two very important strategies.

1. Learn to live more simply. This will involve learning to be content with lessthan many of our friends have. You will have to find more joy and satisfaction in relationships and simple pleasures --and, less in the trappings of what the world tells us we must have. Designer clothes may have to give way to bargains at Wal-Mart.

It will mean that there'll be less money to spend at fancy restaurants. (You know the kind I mean -- the ones with salt and pepper in separate shakers.) Instead, eating out will become more of a treat than a lifestyle.

We may not be able to go on some of the costly vacations many of our friends take. Instead of going to the resort -- we'll go to Granny's house and let her do the cooking! NBC News reports that the average family is now spending $1,172 on a vacation. Believe me, there are lots of ways to reduce this. Minor changes in distance and destination can save major dollars.

But, I can tell you from experiences I've had traveling around the country teaching the No Debt No Sweat! Seminar that these are some of the happiest families in America! Families that have made lifestyle sacrifices so Mom (and Dad, too) can be at home more with the kids love their lives. For many of these families the sacrifices have turned to blessings. When the kids are grown and gone, they have hearts filled with sweet memories of being together. Their kids go into the world knowing that they were loved enough to come first. What they may have missed in the form of material gains was more than replaced by an inner sense of harmony and security.

2. Develop a nose for bargains. Less income doesn't have to mean less lifestyle. Many families are finding that they can enjoy very comfortable lifestyles by learning to make the money they do have go further. There is no single "best way" to accomplish this. It involves mastering several different disciplines such as learning to conserve resources, improving negotiating skills, and developing a nose for bargains. Contrary to what some people think, this doesn't have to involve living a draconian, third world lifestyle. My comments here aren't aimed at helping you improve your dumpster-diving or panhandling skills. Instead, it means developing some concrete skills that will save big money, simplify your lifestyle, and, hopefully, reduce some of the stress of modern living.