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Posts tagged with: Work

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.

Part-Time Work? Ha!


I knew working two days a week would be hectic. Trying to fit five days of craziness into two was going to be tough, but I was ready to take on a little stress in exchange for more time with the kiddo.

This week, my counterpart was diagnosed with cancer and has resigned.

The department head pulled me into a meeting and asked for my advice on how to deal with the situation. There are only two folks who know how to do our jobs – me and her. Even if they hired someone today, I don’t have time to train them. We have a 1/2 person doing a two man job.

The problem? They totally screwed me on my earnings a few months ago and I’m still mad. I felt like saying, “Drop 20K onto my annual salary and we’ll talk” but I have the world’s tiniest backbone and found myself saying, “If you need me, I’ll be there.”

This, my dear friends, is why I’ll never be a millionaire. Millionaires push harder.

I should know by next week what they decide. My debt will be happy, but I won’t be.