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05-14-2007, 02:27 PM
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#18
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Mommysavers Diva & Approved Trader
Last Online: 06-26-2009 01:47 PM
Join Date: Jul 2006
Location: near Poconos
Posts: 859
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First, d is dear or darling.
Second, as a part time SAHM (I work 2 days/week down from fulltime) here are my challenges.
My dh gets an hourly rate plus commission that varies. That being said, this month we are not affording our bills. So be careful! I am having a yardsale for gas and food money and he is selling his 4 wheeler to pay electric. He had a car accident also and I am cashing in my 401k to pay the deductible and catch up some bills. We had a $350 unexpected vet bill as well! When it rains it pours for us!
I like working 2 days/week, it gets me out of the house and gives me some adult time. I don't make much b/c I pay $101/week for daycare for 2 kids, but it's better than nothing.
I should have taken the advice and opened up my own bank account for just my stay at home money that I made from babysitting or yard sales or surveys or whatever. I can see it my dh eyes sometimes that he regrets letting me stay home b/c of our money stress.
I've been home a little over 1 yr. now. My oldest dd is going to kindergarten in Sept. so I am not sure if that helps or not as I won't have to pay for her childcare, but I don't know if I can work around her kindergarten schedule.
You are great already having a babysitting job lined up. I've been trying to get one since Dec. and am wasting money advertising. I actually did just finally get an email from my craigslist ad so I am hoping that works out.
I also find I don't get as much done around the house as I'd like to ( or my dh would like me to). We've been trying to paint the inside and I just can't get it cleaned up and the stuff off the walls to do it.
I think the most important is to save money beforehand for emergencies like I mentioned we are having right now. My dh has to work alot on the side which takes time away from us and makes him tired, but he does it. That's part of why I am considering going back to work fulltime. My boss has mentioned me working more hours so I guess it'll all work out eventually.
Oh a way to save some money is to tell your car insurance that your car is not for work anymore, I think that saves a little bit. Also, I am checking out that angel ministries for helping to cut down my food bill. That "bill" has definitely increased alot w/being at home!
Good luck to you! I am glad that I am home w/the kids to care for and nuture them, but it is hard work!!
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