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~~~~2013 Low Income Support Thread~~~~ - Page 63

post #1241 of 1405

Ladies, I'm trying to budget for *post divorce*. I need an idea how much I'd pay for childcare for 3 kids...I'm hoping to find a home daycare that won't mind having my 5 year old since I'm trying to home school. This won't be every week either so I don't know if it would be more or not. Ideas?

post #1242 of 1405
Thread Starter 
Quote:
Originally Posted by micah_mae_ View Post
 

Ladies, I'm trying to budget for *post divorce*. I need an idea how much I'd pay for childcare for 3 kids...I'm hoping to find a home daycare that won't mind having my 5 year old since I'm trying to home school. This won't be every week either so I don't know if it would be more or not. Ideas?

The 5 yr old shouldn't be a huge deal since lots of kids turn 5 before school starts. Also my kiddo did homeschool and stayed with inhome care until he was about 10.

Inhome care runs *about* $100/week/kid. But thats every week, they need to hold those spots for you, even if your kids are not there, unless you are able to find someone to take your spots when you are not there, idk any provider who is willing to float 3 spots, ya know?

 

You  might be better off looking for several inhome providers with drop in care and enough floating spots for your kids.  If they know you are coming several times a month you might get a better daily rate.

 

Can you nanny share?  have a sitter come to you, that might be cheaper.  In home care is not cheap, daycare is not cheap.  With that many kids depending on the hours a sitter at your place could work to your benefit.

post #1243 of 1405

Full time care in my area is about $200 a week for that age.  NOT cheap.  Even just after school care for a school age child is $90 per week.  Before AND after is $150.  But I think you'll run into trouble once he gets a little older if you want full time care for him.  Like age 6 and older.  You may be able to work out something with a sahm or a friend who would keep him though.  But I would budget at least $150 a week for his care alone.  Then again, I live in the super expensive New England area.  

post #1244 of 1405

Ugh yeah I'll probably have to find a sitter. Typically my mom or mother in law will be able to watch them but my mom goes out of town occasionally and my mil works at a school during the school year.

Can I put in our parenting agreement that stbx will pay half of childcare costs? Maybe throw it in there with the part saying he will pay half of education cost?

post #1245 of 1405
Quote:
Originally Posted by micah_mae_ View Post
 

Ugh yeah I'll probably have to find a sitter. Typically my mom or mother in law will be able to watch them but my mom goes out of town occasionally and my mil works at a school during the school year.

Can I put in our parenting agreement that stbx will pay half of childcare costs? Maybe throw it in there with the part saying he will pay half of education cost?

I found someone who was certified and charged according to a parent's ability to pay. I paid $70 a week for one child, while others might have paid up to $125.

 

On the parenting agreement question, yes you can put in there that he is responsible for half of childcare costs and then hang onto receipts and tax statements... I know that you can make him pay for half of school expenses and uncovered medical bills as well. 

post #1246 of 1405

Thanks, I already know I can ask for more child support since I will have sole custody...hoping it'll be enough to live on.

post #1247 of 1405
child care costs are figured in with child support. usually at the hearing they ask. if you need to, just file for a modification and go back and get them put in. it's quite simple, you don't even need a judge to hear it.
post #1248 of 1405

I know my babysitter agreement is AMAZING and hard to find but I got lucky. My aunt runs a inhome daycare and charges $50 a week full time between the hrs of 6am-6pm. We just have to provide our child's food (not a big deal) and she lives 4 houses from me. I know I got lucky and my son LOVES her. We do drop in so my son isn't there everyday but almost everyday. She only watches 3 kids right now and she sometimes watches my older girls if they are out of school and I need care for them. She charges me $5 per day for both girls.

post #1249 of 1405

You are very lucky!!!!  I schedule work out of the home during school hours or times they are with their dad.  On the times I need care, I pay a sahm up the street to take my kids.  It costs me $10 an hour, which is the same as I make.  So obviously it's not ideal and I have to do that only for short periods of time.

post #1250 of 1405
Quote:
Originally Posted by justmama View Post

child care costs are figured in with child support. usually at the hearing they ask. if you need to, just file for a modification and go back and get them put in. it's quite simple, you don't even need a judge to hear it.

They were considered separately in my county. My ex was ordered child support and a separate order for both unpaid medical bills and childcare expenses.

post #1251 of 1405

Just popping in quick - my net got cut off & I can't get on MDC from my Kindle. Currently at McD's using the free net :)

 

Big thanks to whoever posted the Thanksgiving program - we applied & got in :) SOOOOOOOO glad as grocery prices are really going up here & with our SNAP cuts it is getting tight.

 

Question for the mamas in the know - Right now I get TANF level medicaid but not TANF {refuse to jump through the hoops for $100 a month}. I *think* my income may be too high (about $400 a month) when I recert this month for TANF level medicaid. Anyone know anything about *transitional* medicaid for when you are coming off TANF? I'm in TX FWIW. I've heard of it a few times but don't know anything about it. I'm terrified I'm going to lose my medicaid - I take $50 of rx's every month plus have to see a specialist & do bloodwork every 2-4 months or I get sick from my thyroid. Can't afford it at all without medicaid :(

post #1252 of 1405

Found childcare for $10/hr. Girl from church who is friends with my mom. If I can squeeze it into the parenting plan that stbx pays half that'll be $5/hr which is very doable. Also found out that in Texas you can count a soldier's housing allowance as income so that'll be about $300 more per month.

post #1253 of 1405

Nice to see you frugalmama.  Medicaid doesn't work like that in my state so I have no idea but I hope everything works out.  

 

micah_mae, I'm glad you found childcare at a reasonable rate!

 

 

A bunch of busy days here.  Lots of working.  I've gotta pick up a few things at the grocery store today.  After years of food stamps it's a little weird but oddly I'm looking forward to seeing how low I can keep the bill.  Aldi here I come.  :wink  I picked up at extra shift at the store tonight just in case I suck at it.  :lol  Same old, same old with us.  Bills are paid, just barely.  I'm pulling as many shifts as I can.  It's been brutally cold the last few days with highs only in the 40's and it's below free*ing every morning.  So the heat is on and probably won't go off until April.  But the good news is that after evaluating the winter supplies, NO ONE NEEDS ANYTHING!  Holy moly!  Shocking.  It's a pleasant change from the typical.  Usually with 3 kids, someone always needs something!

 

 

Hope everyone is well.  Enjoy the fall weather and the cooler temps.

post #1254 of 1405
welcome to middle class, right, justmama? By the time you lose aid you are almost as broke as before. Oh well. Here Im doing baking and making lots of mixes together to start prepping for the holidays. Yesterday was all about deep cleaning. Not much new.
post #1255 of 1405

How do y'all feel about buying a car on craigslist vs a dealer?

post #1256 of 1405

The car before this one was a craigslist purchase- a whopping $400 and it went longer than I expected it to.  But, we were buying it as a 'beater' one-season car while moving. 

For longer use, I have come to really appreciate a warranty.  So I go with dealerships now.  If you have a great mechanic who can look over a cl car for you though, you might be able to score a great deal. 


At the moment, I'm on Amazon chat complaining because they shipped something slowly when I have 2 day prime. It's a Kindle Fire tablet I got for the kids when they were on sale Monday (thank you gift cards- $118 tablet indeed- and no out of pocket cost for us!) and it should be there tomorrow.  Instead, it is going USPS and just hit the mail today.  I've gotten spoiled by the two day Prime approach. 

 

post #1257 of 1405

Thanks :) I guess I feel safer with a dealership...just hard to find something under $5k..

post #1258 of 1405
Thread Starter 
Quote:
Originally Posted by micah_mae_ View Post
 

Thanks :) I guess I feel safer with a dealership...just hard to find something under $5k..

It may be difficult to find something 'marked' under 5k but do you have a trade?  How are you at negotiating?  Most dealers have an internet department where you can do most of the purchase on line - including negotiation.  My approach has been -this is what I'm going to pay for xyz vehicle, if you want to sell it great, if not fine too.  here is my contact info, call me if you can meet my price. I DO NOT hang around dealerships all day and watch numbers on paper, I don't wait for the sales person to go chat with his manager.  I don't have time or energy for car selling games.

The same negotiation would go for CL, the asking or listed price isnt the 'selling' price, ya know?

post #1259 of 1405

That's true, thanks! I will definitely do the internet thing...I hate that you have to spend all day at the dealership for anything.

post #1260 of 1405

:coffee  I'm exhausted!  This 3 jobs thing is for the birds.  This week I'm utterly worn out.  I've picked up extra shifts at the store and while it's good that I have extra income coming in, I'm so worn out.  I actually have both days off this weekend so I'm really excited to just lay low.  But I've been scrambling for help with my kids all week so I can work and it's no fun.  I've had to get rides for them from activities, someone to get them off the bus, someone to watch them for a few hours, etc.  Ugh.  EXHAUSTING!  I hate when plans change last minute and I have to scramble for care.

 

 

Grateful:

 

-this paycheck will be AWESOME

 

-I found a yummy smelling Yankee Candle at TJMaxx for cheap

 

-My sales this week are through the roof!  I'm making really good numbers.

 

-I have a mom and a neighbor who have helped me out this week getting my kids taken care of and I'm really grateful for that because I called them last minute.

 

-I found a new shirt for work that I absolutely love and was complimented on twice last night.  :joy

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