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One last scenario. Let's say you have a contract to help a web design company write copy for new websites. The company pays you a flat fee of $750 for each website. Currently, you're completing two of these a week, for a total income of $1,500 per week. This means you're making $6,000 per month and will likely meet your income goal in 10 months. Maybe, just maybe, this means you can take a couple of months off in the summer to spend with your children, or at least cut back on your work since you know you'll be able to hit your financial goal (assuming the company continues to send you two websites per week to work on).

There are a couple of things to keep in mind as you ponder these scenarios:

1. There is nothing magic about the numbers I used above. Frankly, I just pulled a number out of the air as an example. Don't feel bad if your number is much lower--or much higher--than the one I used above. Remember, only you know what's best for your family. My income my first year of working at home was less than $3,000. As my children have become more self-sufficient, it's grown accordingly.

2. Your line of work will determine, in part, what's realistic for you in terms of income. Your family situation will also help deteremine what's realistic. Finally, the amount of time you want to spend working will also influence your goals.