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#1 of 2 Old 01-19-2004, 07:23 PM - Thread Starter
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To the Moderator: if this is the inappropriate forum, please move!

I know a lot of other families are in a similar situation, especially at this time of year. And I do remind myself that we're blessed to have a roof, food, and heating. But...

I feel like despite the fact that I've gone back to work and dh has been working 6 day weeks for the last 8 weeks, we're still not improving our financial debt. In a perfect world, those three month of maternity leave I had would have been fully paid so our bills could've been paid, instead of putting us as far into the red as we are.

Dh jokes that I need to go back full time, but there is a ring of truth to it. It would just kill me though to have to go back for 40 hours a week. So right now I'm trying to find other ways to bring in some income.

We are working to resolve a lot of the problem through a debt management program. Unfortunately, like me, most creditors want the situation resolve immediately. Patience is such a hard virtue to learn.


I know it'll get better. Just right now can be very difficult sometimes.

Thanks for letting me vent.

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#2 of 2 Old 01-19-2004, 07:33 PM
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The main reason I went back to work FT after dd was born was my MIL was watching her for free for us. If we had to pay for daycare, I don't know if it would have been worth it. After ds was born, MIL couldn't watch 2, so I would have had to pay for FT daycare for 2, which I figured out after daycare costs, not figuring the tax ramifications (with dh working only, we manage to just get in under the lowest bracket, with both working, we end up in the 28% tax bracket) I would have brought home a whopping $3/hr. (My hourly rate was around $13 when I left my job.)

We did have to put our credit cards in credit counseling (which is almost paid off- whoopee!!) and put our student loans on forbearance, but we managed. We are always broke, but we managed. I just took out more student loans to finish my schooling and I will be ready to rejoin the workforce as a teacher when my youngest is just about 2. I haven't decided if I will go back FT then, or just try to find temp sub jobs, it depends on how much daycare will cost then (ds will be 4 and and dd will be 6 and in school).

So, before going back FT, look into exactly how much you will make (remember costs for gas, clothes, lunches, etc.) and see if it's worth it. Before I decided to go back to school, I was going to start a home daycare. In my area, going rate is about $3/hr per child and you can have 4 kids for pay, 6 kids total (including your own). Is that something you could do? It's hard work, but you'd be able to stay home and get paid for it.

I know how hard it can get. It will get better.

Michelle -mom to Katlyn 4/00 , Jake 3/02, and Seth 5/04
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