Well, the thing is, if you're not going to use punctuation--unless it's needed for clarity; e.g., college, married, then don't bother with the commas at all; e.g., for me, e.g. the entire month of January).
Use parenthesis; e.g., for me (e.g. the entire month ...) or use a semi-colon followed by a comma (for me; e.g., the entire month of January):
Freelance was fine when I was single and in college and is still fine now that I'm out of college, married and my wife works too because we don't have any kids so if work gets slow for me; e.g., the entire month of January where I wasn't doing anything at all, we still get by just fine because she makes a fair amount of money but we want to start moving toward a situation where she can quit and we can think about having a kid, which means I need a dependable, steady income.