Retirement. Your employer is no longer providing a 401(k) or other retirement program, that's okay -- as long as you take the steps to plan for your own retirement! Save up all year to take maximum advantage of the tax deductible IRA contributions you can make each year and talk to a qualified professional about setting up a retirement program. Remember, people with work at home jobs retire someday, too!

Health Insurance. If you've traded in that old office job for work at home jobs, your employer may no longer be providing health insurance. Don't overlook the importance of having good health insurance and take the time to purchase your own if your employer is no longer providing it.

Get yourself a work at home tax savings account. If you're an independent contractor and your employer doesn't take your taxes out of your checks, you should be taking some out of each check yourself and putting it away in the savings account so your'e ready and able to pay taxes when the time comes in April. People with work at home jobs pay taxes, too.

Have a meeting with a financial planner, tax and/or accounting professional who can advise you on how your wonderful new work at home lifestyle will impact you financially and what steps you can take to take maximum advantage of the opportunities available to you under the tax law. Such professionals can help you set up a system for keeping track of expenses and structuring your life and business in such a way that you pay as little tax as legally possible, while keeping an eye out for your future.