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Posts tagged with: employer

Save Money by Staying at Home?


The question has come up a few times about staying at home with my son rather than working and paying for daycare. There are books about the true costs of working rather than staying at home and admittedly, they are high. Daycare, work clothes, gasoline, car maintenance – they all add up. Anyone who files an online tax return knows that there are lots of deductions that can be taken for work-related expenses but still, they aren’t always enough. So why don’t I stay home?

Our mortgage is more than 50% of our income.

My husband and I make nearly the same salary. The math is pretty easy on that one.

Would I stay home if we lived in an apartment? Unlikely. We wouldn’t have daycare expenses, but we’d have to squeeze out rent and healthcare from our current budget and it’s tight as is.

Once we finish paying off debt, we’re looking at two options: 1 – Hubby finds better employment or 2 – We move out of state.

Being debt free has always been so far in the future, we never had to think too seriously on either front. Now that we’re two months away, we are starting to consider both options. Once we save up our 3 – 6 months of expenses, we’ll make the leap.

Bad Decisions?


After my not so nice request to my employer to please stop contacting me while on maternity leave, I experienced a wonderful time of peace and quiet.

That didn’t last long.

On Wednesday, the calls, e-mails, and texting started again.

Maternity leave is great, but keeping my job is important – especially since I use my paycheck to pay my mortgage and pay down debt.

Sure, I understand that they can’t legally fire me for turning off my phone while on disability, but I’m a bit concerned about what will happen AFTER I return to work. You can bet my employer will remember I ignored calls.

All day Wednesday, as the calls came one after the other and I pressed the ‘ignore’ button on my phone, I told myself I deserved just one more day of quiet. I’d get to them on Thursday.

Thursday morning, I woke up to more voicemails and decided…

I’m not going to return any more calls while out on leave.

Bad decision financially? Maybe.

But I only get to spend a few precious moments with my newborn son – and I’m going to enjoy every single one.