Reply Hey Mom! Learn more about the Gerber Life Insurance Grow-Up Plan!
 
Thread Tools Display Modes
Old 04-01-2013, 10:33 PM   #21
isabelsmummy
Registered Users
seller
 
Join Date: Sep 2009
Location: Vancouver, BC
Posts: 3,784
Re: Childcare costs, salary, and WOH...

Quote:
Originally Posted by catzmeow View Post
Actually, I do have a pre-existing condition that requires semi-annual checkups for the rest of my life.

Which definitely complicates things. Because my insurance covers my visits and tests at a very reasonable $40. On my husband's plan, each visit would be $350 (specialist!) and who even knows about all the tests...

I feel stuck.
Add up how much extra all the same healthcare would cost under your husbands plan and then figure out how much more you would need to earn to be ahead and find a new job!

By far the best way to get a raise is to negotiate it at a new job.

Sure, your specialists would cost $350, but if you earned an extra $10k a year, you would be ahead for a lot of specialist visits!

Or, if you want to stop working, maybe look at a part time job just to cover the extra expenses related to your husband's medical? If it's part time you might not need as much/any daycare either.

Advertisement

isabelsmummy is offline   Reply With Quote
Old 04-01-2013, 10:41 PM   #22
qsefthuko's Avatar
qsefthuko
Registered Users
sitesupporter
seller
seller
 
Join Date: May 2011
Posts: 17,023
Re: Childcare costs, salary, and WOH...

This is why I quit. If I put my kids in decent child care all my check and then some would go towards childcare.

I saw one of the cheaper childcare options in our area. Great big beatles crawled across the floor. The bathrooms smelled of urine even after just being cleaned(I know because I used an entire bottle of cleaner on it trying to eliminate the odor). The carpet smelled of dry rot. The tables were never cleaned by the staff(we were forbidden to clean it as that was the daycare staffs job and we were already over loaded with work). Sad thing is I was told this was one of the better daycares in our area.
__________________

Last edited by qsefthuko; 04-01-2013 at 10:51 PM.
qsefthuko is offline   Reply With Quote
Old 04-01-2013, 10:48 PM   #23
alaskamum's Avatar
alaskamum
Registered Users
seller
 
Join Date: Feb 2009
Location: Aurora, IL. Party on.
Posts: 4,276
My Mood:
Re: Childcare costs, salary, and WOH...

Here's another thing to consider, just throwing it out there, could your dh look for a different job with better benefits? I'm not sure what he does, if that is possible. Maybe you keep your job until he finds something better. Benefits are nothing to joke about; dh got a different job 2 years ago that had a nice raise but the health insurance is really crummy, so basically all of his raise went to health care costs. We're figuring out how to navigate the insurance a little better, but it is a lot of work and it's really stressful to have to call the insurance company over every little thing.
__________________
Happy my soldier is home!
mom to B
and A
and M
alaskamum is offline   Reply With Quote
Old 04-02-2013, 11:32 AM   #24
hopeangelmomof5
Registered Users
seller
 
Join Date: Nov 2011
Location: Missouri
Posts: 429
Re: Childcare costs, salary, and WOH...

Just reading all of these posts makes me so grateful to get to stay home with my kids.

I loved all the suggestions. I have a few too, for if you ever get to quit and stay home with your kids....I have a giant drying rack and I hang dry all of our clothes, shop with coupons, buy items on sale, ect. I buy most of our clothes at yard sales/resales way in advance for great deals. Could you possible sell a car and save enough on extra gas and insurance? Cook items from scratch, etc. You could babysit a kid or two for some extra money. Could you get a job at a daycare so you get your childcare for cheaper/still get paid/get to see your children on breaks or possibly even work in their room?

I work on Saturdays/holidays when my husband is off of work. I am a massage therapist and I set my own schedule. I make about $400/month with that. Maybe you could learn to cut hair or something like that and do it in your home?

If you still have to work, why don't you consider getting a babysitter or a nanny? I think a lot of people overlook that option, but by the time you pay for 2 kids to go to daycare you could probably hire a nanny for the same amount of money. A nanny will keep the kids in your home, so you don't have to load them in the car and go get them. They won't be exposed to as many children/illnesses, and most nannies are also willing to take care of your children when they're sick whereas a daycare will send them home. You can ask your nanny to help with laundry, do dishes, do some light housework and start supper every night. All of this amounts to more quality time with your children. And if you're not able to pay for a nanny, consider hiring a nanny that has a child of her own that she would bring along with her-you are also saving her daycare costs/ allowing her to be with her child and she'll expect less pay for that.

I also have a medical condition that requires check ups and daily medication. We don't have insurance and pay for it all out of pocket. I called around and found a clinic, hospital, and dentist that goes by a sliding scale. So I pay quite a bit less than everyone else does, AND we pay the same day so we get an even bigger discount than that.

Hope this helps.

Last edited by hopeangelmomof5; 04-02-2013 at 11:36 AM.
hopeangelmomof5 is offline   Reply With Quote
Old 04-03-2013, 07:20 PM   #25
doodah's Avatar
doodah
Registered Users
seller
 
Join Date: Nov 2008
Location: USA
Posts: 9,960
Re: Childcare costs, salary, and WOH...

Right now I stay home with my four kids and make as much money as I used to, by taking on 3 daycare kids. For me, there is no way I could work so many hours and send my kids to daycare, only to bring home a couple hundred a month. I know benefits are a big deal as is retirement so its a hard choice. I just personally have chosen to stay home.
doodah is offline   Reply With Quote
Old 04-05-2013, 11:58 AM   #26
crunch!910's Avatar
crunch!910
Registered Users
 
Join Date: Jan 2010
Posts: 4,208
Re: Childcare costs, salary, and WOH...

I can't afford to work. I can't afford to stay home. If I quit my job, we'd be in the hole $230 every month (that's not counting clothing, diapers, cleaning supplies, laundry detergent, etc). We live very frugally, no fancy cell phones, family cloth, etc. If I had to pay full time daycare costs, we'd be $280 in the hole every month. All but $12 of my take home pay each week would go to the daycare. Right now family watches my children but it is not an ideal situation and I feel stuck between a rock and a hard place - I personally feel her coddling and giving into tantrums all day, all week long contributes to his horrid behavioral problems - as if 3 years old wasn't hard enough. If at any time this family member became unable to care for my children, I couldn't afford to pay daycare so would be forced to quit. If I am ever forced to quit, we'd likely then be back on food stamps. It is entirely sad that in our society a working parent cannot provide for a family. There is something very, very, very wrong with that.
__________________
Mommy to M (9/09) & G (4/12) & expecting Feb 2014
crunch!910 is offline   Reply With Quote
Old 04-05-2013, 12:04 PM   #27
EveryDayIsANewDay's Avatar
EveryDayIsANewDay
Registered Users
Formerly: Stacey***ke3
seller
seller
 
Join Date: Jul 2009
Posts: 3,908
Quote:
Originally Posted by crunch!910 View Post
I can't afford to work. I can't afford to stay home. If I quit my job, we'd be in the hole $230 every month (that's not counting clothing, diapers, cleaning supplies, laundry detergent, etc). We live very frugally, no fancy cell phones, family cloth, etc. If I had to pay full time daycare costs, we'd be $280 in the hole every month. All but $12 of my take home pay each week would go to the daycare. Right now family watches my children but it is not an ideal situation and I feel stuck between a rock and a hard place - I personally feel her coddling and giving into tantrums all day, all week long contributes to his horrid behavioral problems - as if 3 years old wasn't hard enough. If at any time this family member became unable to care for my children, I couldn't afford to pay daycare so would be forced to quit. If I am ever forced to quit, we'd likely then be back on food stamps. It is entirely sad that in our society a working parent cannot provide for a family. There is something very, very, very wrong with that.
Didn't read all the replies yet but my family is similar to yours. We have the basics. I make nothing after paying daycare. The only reason I continue working is for the health benefits. I have mental health issues and have had a few surgeries in the past six yrs or else I would probably drop my coverage and pay oop for the regular check ups. Once I get daycare assistance back, ill bring home maybe four hundred a month.
EveryDayIsANewDay is offline   Reply With Quote
Old 04-09-2013, 07:43 AM   #28
1healthylady's Avatar
1healthylady
Registered Users
 
Join Date: Mar 2012
Location: Cross Creeker
Posts: 740
Re: Childcare costs, salary, and WOH...

Looking ahead, that's us, exactly. I hope to be TTCing in a year. When we have 2 in daycare I won't make anything at all. But I've accepted that I can't stop working until we are totally out of debt. Health insurance through DH's company is terrible. I have wonderful benefits all around. I work at the University, so for the state, and there are no raises at all. I love my job. I love the people I work with. But I wish I could be home. My only hope financially is that I get the position I've been promised to move into when one of the lady's in our office retires in 2 years, 3 months. They're starting to train me for it already. That would be a pay raise, I just have no idea how much.

ETA: I do love all the suggestions. I could definitely go back to waitressing at nights if/when I get to be a SAHM and we needed the money.
__________________
Married the best husband ever May 2009 , Mama to E 9-2-12 9-2014

Last edited by 1healthylady; 04-09-2013 at 07:48 AM.
1healthylady is offline   Reply With Quote
Old 04-09-2013, 03:23 PM   #29
smashncakes's Avatar
smashncakes
Registered Users
Formerly: bren***this
seller
seller
 
Join Date: Feb 2008
Location: southern Illinois
Posts: 5,220
My Mood:
Re: Childcare costs, salary, and WOH...

Quote:
Originally Posted by crunch!910 View Post
I can't afford to work. I can't afford to stay home. If I quit my job, we'd be in the hole $230 every month (that's not counting clothing, diapers, cleaning supplies, laundry detergent, etc). We live very frugally, no fancy cell phones, family cloth, etc. If I had to pay full time daycare costs, we'd be $280 in the hole every month. All but $12 of my take home pay each week would go to the daycare. Right now family watches my children but it is not an ideal situation and I feel stuck between a rock and a hard place - I personally feel her coddling and giving into tantrums all day, all week long contributes to his horrid behavioral problems - as if 3 years old wasn't hard enough. If at any time this family member became unable to care for my children, I couldn't afford to pay daycare so would be forced to quit. If I am ever forced to quit, we'd likely then be back on food stamps. It is entirely sad that in our society a working parent cannot provide for a family. There is something very, very, very wrong with that.
This is exactly where we are. Without me working, we're about $200 in the hole each month. We just barely qualify for food stamps and state medical. BUT if I go back to work, our combined income will *just* push over the limits for food stamps & medical, we won't qualify for child care assistance, and my entire paycheck will go to daycare--we'll actually have even less income each month if I *do* work. DH's job does not offer insurance, and sadly that's pretty common here in southern Illinois--if you are lucky enough to get insurance, its insanely expensive, especially for a family of 5. We're pretty much trying to hang on by a thread through the summer until school starts again, by reselling kids' clothes, doing odd jobs, random babysitting gigs (I have a promising lead on a cash-paying single child for the whole summer break though, really hoping it pans out, which it will as long as the mom's hours don't get cut)and hubby is going to try to get on at an auto parts place for a few hours each evening to cover the gaps and manage to get paycheck to paycheck...because then at least in the fall our two oldest will be in school most of the day & hopefully I'll be able to find something during the day maybe just part-time...with just one in daycare, we *might* just be able to pay for daycare and still have a bit of income left over.
__________________
Brenna, all around AP'ing, trying to be crunchier, stay at home mama to Ash, Bryn, and our little Rebel Journey, wife to Nate
Come swag with me!! I've earned $75 in FREE Amazon gift cards just by searching
smashncakes is offline   Reply With Quote
Old 05-19-2013, 06:13 PM   #30
Covergirl's Avatar
Covergirl
Registered Users
seller
 
Join Date: Jul 2011
Location: Brooklyn, NY
Posts: 465
Re: Childcare costs, salary, and WOH...

I haven't read all the responses so I don't know if this has been said... Your kids won't be in childcare forever. If you plan to enroll them in public Pre-K or kindergarden, you costs for childcare will go down substantially in a few years. If you had stayed at home those years, yes, you would've saved in childcare costs but it would also be much harder to reenter the job market.

Also, it's much easier to look for another (higher paying) position while you're employed.

I'm in a somewhat similar boat. Childcare for 2 kids will eat up almost 2/3 of my take-home pay. However, I'm seeing this as only a temporary problem, since I don't intend to send them to private school.

ETA: I actually like my job. I would look for another, better-paying one or a bigger position but right now it suits my life with my family -- office-based, great benefits, wonderful co-workers. Speaking of benefits, if I didn't work, I would be losing out on contributing to and getting vested in my pension and SS.

Last edited by Covergirl; 05-19-2013 at 06:30 PM.
Covergirl is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not 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

Forum Jump

Copyright 2005 - 2014 Escalate Media. All Rights Reserved.