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Discussion Starter · #1 ·
We are absolutely desperate financially and I don't know what to do. My husband works two jobs already- a "day job" in his field and runs his own business from home doing the same thing (web development). We have a 12 yo and I am home with the 2 yo and the 6 month old during the day. I couldn't make enough to put them all in care while I worked- even if that wouldn't break my heart to do. I can't work while my husband watches the girls because he works, like, 100 hours a week already (making more per hour than I could make anyway). I have to find SOMETHING that I can do from home. I have a lot of childcare experience (and my degree is related- child development psychology), so have considered taking a child or two in my home for care. BUT, I have to pick my daughter up at 3 every day (can't find anyone to carpool with) and we live in a tiny house with one living/play room. I mean, tiny. I sew and have considered making diapers or dolls and selling them- I would LOVE to do that. But it requires tons of time (and some money) up front and there are no guarantees that it would bring anything in. HELP!!<br>
I am absolutely desperate.
 

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<div>Originally Posted by <strong>brennatsi</strong> <a href="/community/forum/post/12358249"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">We are absolutely desperate financially and I don't know what to do. My husband works two jobs already- a "day job" in his field and runs his own business from home doing the same thing (web development). We have a 12 yo and I am home with the 2 yo and the 6 month old during the day. I couldn't make enough to put them all in care while I worked- even if that wouldn't break my heart to do. I can't work while my husband watches the girls because he works, like, 100 hours a week already (making more per hour than I could make anyway). I have to find SOMETHING that I can do from home. I have a lot of childcare experience (and my degree is related- child development psychology), so have considered taking a child or two in my home for care. BUT, I have to pick my daughter up at 3 every day (can't find anyone to carpool with) and we live in a tiny house with one living/play room. I mean, tiny. I sew and have considered making diapers or dolls and selling them- I would LOVE to do that. But it requires tons of time (and some money) up front and there are no guarantees that it would bring anything in. HELP!!<br>
I am absolutely desperate.</div>
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Some ideas:<br><br>
-Working in a Daycare - Some offer substantial discounts on Child Care.<br>
-Could your School-Ager take a school bus home freeing you up to do at home care?<br>
-Could you pet-sit? Dog-walk?<br>
-How much does your husband's home business make (you don't have to answer this)? Is it more profitable than you finding a job?<br>
-You could do a paper route - hours are *very* early morning. You could take the kids if necessary.<br>
-Could you work after the 2 and 6 month old are in bed? I'm assuming the 12 yo would be easier for your husband to take care of while working.<br>
-What can you cut out of the budget/reduce cost?<br>
-Can you take in mending/alteration work for others in your neighborhood? My GMIL does this for extra income and has for years. Steady work once your name gets out.<br><br>
Good luck!
 

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Have you thought about an early morning paper route? I grew up near Annapolis, it seemed like they were always looking for people. My brother did a weekends-only one for a while to make extra money. Another man I knew said his wife had two paper routes, and was making $1600 a month. Gas would cut into your profit margin, but it might still be worthwhile if it fits with your family and helps make ends meet. And in Annapolis, childcare tends to pay well - last I heard it was about $200 a week for an infant. So even one infant or toddler could pay for groceries. If it were only one child, perhaps yo could take them all with you to get your 12 year old. Or advertise for part time care and hours from 5 am to 2:30. Another idea for sewing - my mom used to sew sails for a company in Annapolis - they provided the materials and a fee per piece. You could look for something like that on craigslist.<br><br><br>
Why do you have to pick your 12 year old up? What is up with the school busses?<br><br>
If you post your budget we will help you find a way to make some cuts!
 

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Put your budget up here and let us have at it!<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">
 

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Discussion Starter · #6 ·
I have looked into paper routes in the past and nothing was available, but I just sent out some more emails just in case. It has been a while- maybe something has opened up.<br>
Last year, when pregnant with the littlest babe, I did aftercare at my daughter's school and they loved me and wanted me back. However, the only way I could manage is that my husband was running his business full-time from home and kept the now-two-y.o. with him. Can't bring them with me unfortunately.<br>
As for the bus issue, right now my daughter goes to a private school (LOTS of financial aid). Next year is high school and it looks like she will have to go to the public one no matter what- we can't even afford the books right now. It is the kind of school where some kids come in everyday in a fancy car from Dad and some kids come from public housing with weapons and rage. I am very nervous about it, but our hands are tied. We LOVE her school, but it is out of our reach going forward.<br>
The daycare centers in the area- at least the ones I've spoken to- still charge for your children, even if you are working there. And with two little ones, that would eat up my paycheck.<br>
I don't know how I would go about finding mending work. Do people still hire out for that? I assumed people would just drop stuff off at the drycleaners. I don't know if they would trust some random woman with no sewing references.<br>
Best bet, so far, may be the paper route, but we will have to see what is available.<br><br>
I am so stressed out. If it feels like I am getting an ulcer, I probably shouldn't start drinking in the afternoon, right? <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink"> lol
 

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Is there any way for you to care for school age children IN YOUR HOME before and after school? It might be tough with the lack of space, but if it's just for a few hours it probably wouldn't be so bad.
 

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Discussion Starter · #8 ·
Oh, and to anjelika, yes, my husband's business makes more than me finding a job, which is why I haven't yet. I try to manage the house and kids as close to 100% as possible so he can work as many hours as his body can take. He loooooves his kids and tries to squeeze in time whenever possible, though.<br>
I would tell you how much it brings in if it was REMOTELY regular, but it is not. That is why he had to stop doing it full time and why we are in this financial mess. We are in a ton of debt from trying to run the business full time. I would say "feast or famine" but we have not had a lot of feast around here! lol
 

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Discussion Starter · #9 ·
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<div>Originally Posted by <strong>annethcz</strong> <a href="/community/forum/post/12358899"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Is there any way for you to care for school age children IN YOUR HOME before and after school? It might be tough with the lack of space, but if it's just for a few hours it probably wouldn't be so bad.</div>
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The bus to the closest elementary school stops here, but not the middle school. I could advertise at that one elem school for b&a care, but school has started and all parents have probably already worked out permanent care situations for their kids. Oh, and the little matter of picking up my kid at 3:15 every afternoon. Ack!<br><br>
I don't mean to sound so negative! It is just that when we try to figure out the logistics of a good idea, we get stumped!
 

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I think the best way to find a paper route is to look in the papers themselves - they advertise in the classifieds. Buy the Sunday edition of the Baltimore Sun, Washington Post, The Capital, and look through them.<br><br>
You're right that a lot of parents will have after-school care, but some won't, and some won't be happy with what they've got. My boss has been unable to find satisfactory care for her kids, so while they've patched together a plan, it's not great and she would welcome a better alternative.<br><br>
You could also advertise drop-in care for moms who want to run errands during the day - a doctor's appt, a haircut, etc.<br><br>
If it were me, I'd start posting on craigslist like mad, and offer sewing, babysitting, whatever I could. I'd go to the grocery stores and put up notices advertising my services. I'd let all my friends know I was looking, and what I was offering. Call the fabric stores - Hancock Fabrics keeps a list of seamstresses who do work from home, and will refer you to customers (I sew but I have used one of these seamstresses to help me with a project I didn't know how to do). You might not get any bites but then again, you might!<br><br>
Can you sell anything to pay off a bill or two? Have you applied for any and all help available to you?<br><br>
And since it sounds like the debt is killing you, I would still suggest posting your budget. We might be able to help!
 

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Well...it's very drastic, but what about a complete life change/move?<br>
you are living in a ridiculously high cost of living area. do jobs like your husband does exist in other areas and how would the salary versus cost of living in those other areas compare to what you have now??? for examplek, I'm in the midwest...a mid-upper level IT job might pay $70,000 here...BUT..you have to consider that on $70,000 here, you can EASILY afford a *very* nice house, 1-2 vehicles, all bills paid..heck, you could probably swing private school on that, etc.<br>
Also.....what is your budget? Because if he is supposedly making so much money at his job it doesnt pay for you to work because he makes so much more than you can, ...then perhaps it isn't more income you need, but rather less spending? not accusing, just asking.<br>
Or..if the business isn't making any money..perhaps that dream needs to be given up for right now? so he could get a second well-paying job instead of trying to run a business that isn't currently profitable? Or if it IS profitable...then i'm back to the whole "if he is working 2 profitable jobs, what exactly is your budget that you can't make it work on 2 good paying jobs?" question.<br>
does a house need to be given up? (even at a loss?) do vehicles need to be given up? I'm just not sure.<br><br>
Oh..ETA...i'm sorry you are in this mess...we are currently in a similar boat.
 

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Discussion Starter · #16 ·
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<div style="font-style:italic;">Could your DH teach you web development so that you can work in the business along with him?</div>
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Gees, that's not a bad idea. He is sort of a tunnel-vision kind of worker, though. Maybe I can get him to teach me the basics so more web stuff could be accomplished, thus more money. hmmm...<br><br>
I WISH we had something to sell!<br><br>
I will think about posting on craigslist any odd jobs I think someone might need. "Run it up the flagpole," if you know what I mean.<br><br>
bobandjess99, I have thought a lot about drastic changes. I worry that we wouldn't be able to get much for our house right now, but if I thought we could find a decent rental in the surrounding area, I feel like selling would be on the table. Part of our financial issue is that we were forced by our homeowners association to do costly upgrades on our townhouse (the whole neighborhood is). We have been working on it for four years and it is finally decent. Pride aside, though, if we could settle our debts and rent until we had enough to buy again later... It is both scary and tempting. We have to stay within driving distance of Baltimore because my husband could not make as much starting over somewhere. They LOVE him at his job and he is trying to parlay that into some more lucrative projects.<br><br>
As for the business. On one hand- not making enough! give it up! On the other hand- woohoo, look a $500 check in the mail! we need it so much! You get the picture. Creating websites can be lucrative if you have the customers. We just need more (not rinkydink) clients. He does amazing and thorough work, but we get all of our clients through word of mouth. We are terrible marketers.<br><br>
I will post budget info after I get the babe down. You guys are amazing, by the way!!!!<img alt="" class="inlineimg" src="/img/vbsmilies/smilies/joy.gif" style="border:0px solid;" title="joy">:
 

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Look on craigslist for a nanny/babysitter position.. I see MANY that are part time and during the day or morning hours. Even if you do have to take the kid you babysit to pick up your DD, you can disclose that before you find a parent willing to do that. Some don't mind if you bring your kids to their home and some don't mind dropping theirs off at yours. I would only take on 1 kid with your 6 mo and other young one- they are a handful already. In the afternoon when your DD gets home, perhaps she can help you entertain them and teach her responsibility by giving her $5 a day for her help? Most ads I see are paying between $5-9 per hour per kid. That would pay a lot over 20 hrs/week. I would also make diapers and sell them in your spare time.
 

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If you help your DH on his business, there's potentially a lot of ways you could do that.<br><br>
Wearing one or more of his hats like accounting (invoicing and so on). Being a project manager and answering client emails so they feel nice and responded to, giving them timelines, organizing their input and feedback so your DH doesn't have to sort through a gazillion emails or ideas. Doing grunt work like copying and pasting content or filling a database. Browser testing, to see if everything looks and works good in the target browsers (it REALLY helps to have a new set of eyes doing that anyway).<br><br>
If done well, you could save your DH time on working and potentially free him up to take on more projects. You could also increase client satisfaction if you're testing better than he does, or if your project management makes them feel warm and fuzzy and their input isn't missed like it's easy to do - and that can lead to increased return clients. And if your level of professionalism is increased, you guys can charge more per hour. And if you're tracking invoices and so on, fewer invoices will get missed, and more will be paid on time.<br><br>
And, you can help him think of ways to market for more business.<br><br>
At the same time I'd see about pinching more pennies. Maybe post your budget if your skin is thick (yeah, sometimes it hurts).<br><br>
OR, yeah, consider a huge lifestyle change. If you're desperate, think about how you REALLY want to live. And seriously look at it. It's scary, but it can be done.
 

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I'd start advertising for drop-in care. You can charge a premium for that; it's really, really hard to find occasional care during the day, while all the teenagers are in class.<br><br>
Is bankruptcy a consideration? If you're in so much trouble with debt that you're having a hard time meeting day-to-day expenses, even with two incomes and careful budgeting, it may be worth considering. A really painful consideration, I know, but something you might want to look at nonetheless.
 

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Discussion Starter · #20 ·
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<div>Originally Posted by <strong>UptownZoo</strong> <a href="/community/forum/post/12360504"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Is bankruptcy a consideration? If you're in so much trouble with debt that you're having a hard time meeting day-to-day expenses, even with two incomes and careful budgeting, it may be worth considering. A really painful consideration, I know, but something you might want to look at nonetheless.</div>
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I want to believe that with hard work, over time, we can pay it all down. It just isn't playing out that way yet. I would hate to give control of our finances to someone else!<br><br>
I know there is some fat to cut in our budget. I feel like we could save the most by cutting back on our food expenses. DH works so constantly that everything else gets put in the periphery. Like making his lunch. DD1 packs lunch every day, tho'. Unfortunately, I am an uninspired cook! With a two y.o. and 6 m.o., I need quick and easy meals, but I usually don't have ideas. I have some simple, fast meals that I make, but we get sick of them.<br>
We don't do dairy at all (milk allergic) so that takes a lot of easy kid meals out of the running. I have been trying to do research, but I am not inspired to make complicated fare- too much energy!<br><br>
By the way, my husband was excited by the idea of including me more in the business. Now if we can just find the time for him to teach me!!
 
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