I had just gotten to the point that our emergency fund was above $800. So far it's helped us pay for a new refrigerator, a new computer monitor, and our portion of the weatherizing repairs done through a state program. I was just beginning to feel like things would be ok...we were even sweet talked my parents into watching the kids for us for one night so that we could get away on our own. Then....
1)The tile in the only shower we have is somehow cracked between the tile and the grout lines. The tile was placed directly on the drywall and so by the time I catch it the entire drywall is soaked right through. We'll need to replace it. No problem - the four piece shower/tub is less than $500. We'll have plenty in the savings account to cover that!
2)But then my husband's car started leaking anti-freeze. No problem says the shop it will be $100. Sweet! Nevermind, we fixed that and the system's still not holding pressure. You need this other thing and it will be $550. Ok, skip the shower - we'll just keep an eye on it and use lots of caulk. I think we can save for the shower repair between now and July without too much problem and still afford to go away that one night.
3)But then the basement seems awful damp. I check the dehumidifier and it's bone dry which means I've been paying all this money for the electricity to run it and it hasn't done a darn thing. I've got it unplugged and I'll try turning it on tomorrow just in case the coils froze up.
4)Did I mention I also found mildew growing in the corners of the basement which means that we've probably got a drainage problem. There's one corner in particular that's more wet than damp. There's also a gap between the basement wall and the floor so maybe that's where some is coming in?
5)Oh, and the train table is wet because there's water dripping from the ceiling in the basement. Goodness knows where that's coming from.
I'm a SAHM, we homeschool, and I'm already overwhelmed with the upkeep of the house that always seems to fall on my shoulders because dh is working so much. I think I need to get a job just so I can afford the necessary repairs on the house and the accompanying professionals (roof, downspouts, gutters, bay window in the living room, painting the house, basement water issues, bathroom, mysterious leak, etc, etc, etc).
I don't know if even getting a job will help given the costs of working (childcare, clothing, gas, etc). I've never really had a career, but I have worked as an admin assistant before so I guess that's what I'd have to start looking for. Since this is absolutely a financial decision I really would need to clear a decent amount of money to make it worth it for our family. Any ideas as to how expensive childcare is in a moderate cost of living area and the likelihood that me working will even make a dent?