Work-From-Home Moms: How to Create a Self-Employed Pay Stub

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When you’re a work at home mom, proving your employment status or your income can be difficult. This is especially true if all your work is done as an independent contractor. Since you’re not an employee of the companies or clients that you work with, they aren’t providing you with paystubs.

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This can be a huge issue since there are a lot of circumstances in which you’ll be asked to provide a pay stub to prove your employment status and income – like when you’re applying for a personal loan, a small business loan, a mortgage, or even a rental property.

So, what can you do when you find yourself needing to provide a pay stub to verify employment and income? Luckily, there are services that allow you to generate a self-employed pay stub that reflects all the hard work you’re doing. Keep reading to find out how it works.

What You Need to Get Started

Before you can generate a self-employed pay stub, you’ll need to gather all the necessary information. The most important thing you’ll need is a summary of all the payments you’ve received for your work. Hopefully, you’re using some kind of software or system to track all your payments. If so, get all the information about your payments in one easily accessible place – either a downloaded document or on one screen that you can easily view.

If you’re not using some sort of system to track your payments, it’ll be harder to gather all this information. If you send invoices for your work then you can collect all those invoices and input the payments into a spreadsheet so you can view them all. If you’re not sending invoices, you’ll need to track down proof of payment for each project you completed, which probably means tracking down documentation from multiple businesses and clients.

Doing the Math

Once you have all the information about your payments accessible, it’s time to do some math. In order to generate a self-employed pay stub, you’ll need to calculate your income as either a salary or hourly rate.

If you’re doing consistent work for a few businesses or clients you may be able to represent your income as a salary. If that’s the case, add up all your payments for a month and that total will be your salary.

But if you’re doing a lot of freelance work for a lot of different businesses and clients and the work is as consistent, you’ll probably need to represent your income as an hourly rate. To do this, add up all your payments for the month, and divide it by the number of hours you worked for those payments. This will be your hourly rate. Or if you charge the same hourly rate for all your work, use that rate.

Input the Information

When you’ve tracked down all your payments and calculated either your monthly salary or your hourly rate, you’re ready to plug all this information into a self-employed pay stub generator like

First, choose a template for your pay stub. Then plug in your personal information, your business information, and your salary or hourly rate information. The pay stub generating service will take all this information, plug it into a template, and return a self-employed pay stub for you to use!

A word of warning: these pay stubs are only as accurate as the information you’re providing. To avoid problems, triple check the payment information you’re putting in.

Getting a Self-Employed Pay Stub

Using a service to generate a self-employed pay stub is essential for any work at home mom that needs to provide proof of employment or proof of income.

For other tips about managing your finances as a work from home mom, check out the Family and Home section of our website.

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