When it still isn't enough ... - Page 3 - Mothering Forums

Forum Jump: 
Reply
 
Thread Tools
#61 of 72 Old 11-08-2010, 01:16 PM
 
jeminijad's Avatar
 
Join Date: Mar 2009
Posts: 926
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
My thoughts, just echoing some PPs:

- a pet is optional, no matter how loved
- taking a part time day care child

Mother to R- 2/09, & C- 5/11

jeminijad is offline  
#62 of 72 Old 11-08-2010, 01:41 PM
 
GuildJenn's Avatar
 
Join Date: Jan 2007
Location: Toronto
Posts: 4,776
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by surrogate View Post
I do home daycare, around here the CENTERS charge $80, so I charge $75. I have 4 kids and my own, and while I don't make a killing, ends meet. I am a single mom, so if I don't do this, i won't put a roof over our head. In the town I live, you are LUCKY to make $10 an hour, and noone is hiring.

I totally and fully agree with OP looking into bankruptcy
Here a lot of in-home daycares are around $35/day per child (or did when I was looking into it) and centres run a lot more than that - they can run almost twice as expensive.

I'm just saying that as a point of reference, since a lot of people on the thread seem to be equating dayhome care with nanny care or centre care. It's soooo dependent on your area, but in mine dayhomes are the low end of the totem pole in terms of cost.

I'm still going on the basis that if the OP is making $600/mo with one child and that is tight due to $600 worth of expenses, making $1200 by adding another child, or maybe two part-time kids or whatever, would help with her budget a lot.

I don't know what she makes on the weekends but I think making $600 in four weekends could be a challenge, especially since as people have pointed out you can't charge off the same things tax-wise. But there may be other perks like discounts. OP what are your thoughts?

~ Mum to Emily, March 12-16 2004, Noah, born Aug 2005, Liam, born January 2011, and wife to Carl since 1994. ~
GuildJenn is offline  
#63 of 72 Old 11-08-2010, 01:54 PM
 
Mulvah's Avatar
 
Join Date: Aug 2008
Posts: 1,971
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
I agree with those saying bankruptcy is being thrown out hastily when the OP could make some positive changes to her finances. I love my pup as a member of our family. If we couldn't afford to have a dog, we would re-home our pup.

Quote:
Originally Posted by spedteacher30 View Post
Infertility is still a medical condition--one that can contribute to mental health issues like depression and anxiety, and is often related to other gynecological illnesses/disorders.

While it may not be life-threatening, it is painful and no one can judge whether or not an individual "should" pursue treatment. there are plenty of non-life threatening, painful conditions we would encourage someone without medical insurance to treat--back problems, knee issues, arthritis...
I really think this is a moot point as she already had the treatment, whether or not anyone agrees with it. That said, I think the healthcare system in the United States is horribly flawed, but that doesn't change the current structure, as much as I wish it did.

Quote:
Originally Posted by jeminijad View Post
My thoughts, just echoing some PPs:

- a pet is optional, no matter how loved
- taking a part time day care child
Mulvah is offline  
#64 of 72 Old 11-08-2010, 08:54 PM
 
Tradd's Avatar
 
Join Date: Sep 2005
Posts: 3,160
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by happysmileylady View Post
OP, maybe you should look at scraping together some money and taking Financial Peace University.
If you've truly got no money, as the OP's situation is - and she apparently doesn't have the time for the classes, I'd get the book from the library or as cheaply used as possible, and listen to Dave Ramsey's radio show on a local radio station or online. For group support, which is what you get out of the classes, the OP could come to the getting out of debt here in the F&F section on MDC.

And, yes, the pet(s) have got to go. Pets are optional, they are not necessary - especially when finances are as tight as they are for the OP.

lady.gif
Tradd is offline  
#65 of 72 Old 11-08-2010, 09:02 PM
 
happysmileylady's Avatar
 
Join Date: Feb 2009
Posts: 1,216
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Tradd View Post
If you've truly got no money, as the OP's situation is - and she apparently doesn't have the time for the classes, I'd get the book from the library or as cheaply used as possible, and listen to Dave Ramsey's radio show on a local radio station or online. For group support, which is what you get out of the classes, the OP could come to the getting out of debt here in the F&F section on MDC.

And, yes, the pet(s) have got to go. Pets are optional, they are not necessary - especially when finances are as tight as they are for the OP.
Yes, you could totally learn the stuff without taking the classes. I listen to his show online every day, there's SO much to learn just from that.
happysmileylady is offline  
#66 of 72 Old 11-08-2010, 09:08 PM
 
worthy's Avatar
 
Join Date: Oct 2010
Posts: 896
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)
Quote:
Originally Posted by Tradd View Post
Pets are optional, they are not necessary - especially when finances are as tight as they are for the OP.
I'm jumping in without reading enough here but wanted to say that where we live, cats are not optional - your house will be overrun with mice and other vermin if you don't have a cat, and traps don't cut it.

- single homeschooling mom to 16, 14, almost-12, and 10
worthy is offline  
#67 of 72 Old 11-08-2010, 10:26 PM
A&A
 
A&A's Avatar
 
Join Date: Apr 2004
Posts: 16,856
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 6 Post(s)
Quote:
Originally Posted by 2xy View Post
Extremism gives feminism a bad name.


It's hardly extreme to consider the word "man" not fully representative of the entire human race.

Consider this statement:

"Throughout history, man has given birth."

Just doesn't fly.

Language is power.

"Our task is not to see the future, but to enable it."
A&A is offline  
#68 of 72 Old 11-08-2010, 10:47 PM
 
BunnySlippers's Avatar
 
Join Date: Oct 2007
Location: Fluffierville
Posts: 2,735
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Quote:
Originally Posted by A&A View Post


It's hardly extreme to consider the word "man" not fully representative of the entire human race.

Consider this statement:

"Throughout history, man has given birth."

Just doesn't fly.

Language is power.


Option 1. dh takes a p/t job and you take in another child or two. Have you considered before and after care?

Option 2. pick up some temp work when you need some extra cash (its pretty easy, walk ion with a resume, take a skills test, and they call you anytime something comes up).

Option 3. bankruptcy

BTW- I ve run a daycare fulltime 5 days a week, and cleaned offices nights and weekends, during my dd's early years (age 2-6- thats 4yrs). I then went to school fulltime and worked part time for 2yrs. At the beginning of this school term I was working two parttime jobs (I was working 20-40hrs a week depending on how my week went) and going to school fulltime, but that just got dangerous as I was a walking Zombie, so I dropped the night job.
I now work roughly 20hrs a week. It is very flexible, so i can up and down the hours as I need to.

It is totally possibly to pull a superwoman suit out of the closet and work work work to make ends meet. You just have to keep a good positive attitude to pull you through.
I think declaring bancruptcy would be easier in the long run

and Im not going to knock you on the pet. We all have a vice, and if yours brings you comfort and joy, keep it, embrace it, love it

Decluttering 500/2010
BunnySlippers is offline  
#69 of 72 Old 11-09-2010, 10:02 AM
 
Mulvah's Avatar
 
Join Date: Aug 2008
Posts: 1,971
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Quote:
Originally Posted by BunnySlippers View Post
...It is totally possibly to pull a superwoman suit out of the closet and work work work to make ends meet. You just have to keep a good positive attitude to pull you through.
I think declaring bancruptcy would be easier in the long run....
And, sadly, this is why people feel justified in running up credit and declaring bankruptcy - it's easier. I hope our laws continue to change to make it harder for people to do this.*


*This is a general statement, not to any one particular person.
Mulvah is offline  
#70 of 72 Old 11-10-2010, 06:46 AM
 
velochic's Avatar
 
Join Date: May 2002
Location: Dreaming of the Bavarian Alps
Posts: 8,413
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by worthy View Post

Quote:
Originally Posted by Tradd View Post
Pets are optional, they are not necessary - especially when finances are as tight as they are for the OP.
I'm jumping in without reading enough here but wanted to say that where we live, cats are not optional - your house will be overrun with mice and other vermin if you don't have a cat, and traps don't cut it.

 

What do people do when they are so severely allergic to cats that it's debilitating?  Somehow, I get a SNEAKING suspicion that cats probably ARE "optional".  There are other ways to control mice and vermin.
 

Juvysen likes this.
velochic is offline  
#71 of 72 Old 11-10-2010, 06:23 PM
 
sewingmama's Avatar
 
Join Date: Mar 2007
Posts: 309
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

If the small car is the main reason for not taking on another daycare child or two, I'd suggest looking for children who need care before or after school.  You might even find parents who need someone to take their children from school to dance/piano/Scouts/etc.  School-age children may not need carseats, so they might fit in your car.  Or, if you took on one or two more children during the day, could you buy a cheap minivan so that you could take everyone to the park/etc.?


Mama to four: 10, 7, 3, and 1

sewingmama is offline  
#72 of 72 Old 11-13-2010, 09:18 PM
 
*green*faery*'s Avatar
 
Join Date: Feb 2005
Location: Santa Cruz Mountains, Ca
Posts: 647
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Hi, I didn't read all the replies & my thoughts on this may be unpopular. I would seriously look into BK. I would write up a budget and plan for how long it will take to get you out of the hole, etc. and talk to a lawyer. I highly recommend bkforum.com . We recently went through a BK, I currently watch 2-3 kids out of my home 5 days a week (I have 2 kids, my van seats 4), on Saturday nights I babysit so parents can have 'nights out', I also have one housecleaning job on Sunday (3hrs). On a side note, house cleaning tends to pay a little more, so that may be something to consider for the weekends. It is very stressful being so busy, but we kept our home and are getting by, on a good budget, save monthly for car repairs,etc. I must say I am grateful and try to remind myself of that often! I have a lot more then many people on this planet (reading national geographic tends to make me feel very lucky!). Please do whats best for you, your family and your future.


Happily married, Waldorf-inspired homeschooler to Kylan (8yo), Everest (6yo), and Bodhi (2yo)
*green*faery* is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off