can some one help??

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      If you want to be a SAHM, you’ll need to cut out all unneccessary

      expenses to make it work. Doing clerical work, is it possible to

      maybe work from home?

      If not, in order to be able to “plan” to go home as a SAHM, you’ll

      need to really cut back expenses to the bare bones, and save the

      extra up in a savings account. It’s going to be easier for you to do

      that NOW with no children, than once the baby is born.

      Sit down with your husband, and make a budget plan. List exact bill

      amounts from the past few months. Sort them into NEEDS and WANTS- a

      need being something you can’t live without (shelter, heat,

      electricity, food), and things you can live without (cable TV, cell

      phones, entertainment accounts like netflix, etc). The ones that

      don’t fit into either category are the things like student loans,

      car loans, home equity loans, etc.

      Those ones should be hit the hardest. If you have a car loan that’s

      less than the worth of the car, sell the car, pay it off, and use

      the left over money to buy a cheap used car in full. Not only will

      insurance be cheaper, but you’ll have eliminated 1 bill. Which ever

      car is in the best shape, that one drives the husband back and forth

      to work, and the other stays home with you and the baby.

      Next, look at the WANTS pile of bills. For starters, eliminate any

      wants you can live comfortably without. You don’t need cable TV, or

      anything to do with entertainment. For cell phones, it’s trickier.

      If you are locked into a contract, and you can’t get out of it

      cheaply, then keep the cell, but lower the coverage on it. Don’t use

      it during peak hours unless absolutely needed. Use it for

      free “night time/weekend” calls only so you don’t go over the

      minutes. Don’t use it to text message. If you also have a home

      phone, shut that off all together. With a cell phone, you don’t need

      a home phone as well. Hopefully, this will eliminate 2-3 bills for

      you.

      Your lifestyle makes a drastic change with the birth of a child to

      begin with, let alone trying to make it work while not working.

      One “perk” (I use that term loosely, because I don’t encourage

      abusing a system) would be that without a job, you may qualify for

      more assistance like WIC (which will cover food for you or formula

      for the baby, as well sa some basic food once the baby is 1), food

      stamps, etc. I don’t recommend going that route just so you can stay

      home, though, because there ARE many people out there who need it

      because they can’t find work.

      Cut back on grocery bills by limiting what you eat to sale items, or

      generic brands, and LOTS of fresh things that are in season. In

      season fruits & veggies are much cheaper than buying them out of

      season. You can tell the seasons by the price. If apples are

      normally $1.59 a pound, and suddenly drop to $.79 a pound, it’s

      because they are in season.

      No eating out- this means for lunch, OR dinner. Limit it to a once a

      month “date” night if you really want it, and even then, go dirt

      cheap.

      No renting movies or going out for a while. Save the money. If

      either of you smokes, try to cut back (not only is it healthier for

      you two AND the baby, it’s CHEAPER!!!), and eventually, quit. If

      there are smokers, and for instance, you normally go through 5 packs

      a week, cut back to 4, and stuff the extra $5 in a jar the first

      week. The next week, cut back to 3, and stuff the extra $10 in a

      jar. Try to slowly wean off the cigarettes if possible, and keep

      stashing the savings.

      Limit how much you drive- the cost of gas is high, and the savings

      of running all the errends at once can really help.

      If you and your husband work near one another, and share the same

      shifts, car-pool. Drive one vehicle, drop off the first person, go

      to work. That means the first person arrives a bit early, and leaves

      a bit late, but much cheaper than the gas it takes to drive 2

      vehicles in the same direction.

      Any and ALL extra money saved between now and when the baby is born

      needs to be stashed away. That money will be needed. If you have to

      go back to work, but were able to make it each month with less

      money, then try to cut back to part time, and find family who would

      be willing to babysit for free or cheaper than day care would cost

      you.

      Continue the frugal ways once the baby is born. After a while, it

      becomes habit. Sure, it sucks. I won’t lie- I hated not having

      cable, or going to McDonalds, or to the mall to get a new shirt, etc.

      We started out dirt poor, and it went up from there. For us, it was

      always cheaper to have me home than it was to have me working and

      have the kids in day care. My husband worked erratic hours, so

      finding a job around his hours wasn’t possible, either.

      Basically, what you need to do from now until the baby is born, is

      ask yourself, “Do I really need this? Can I really afford to spend

      $10 right now?” If you are really frugal, and can save up the

      equivalent of 1 month’s pay, then you can afford to cut back to half

      time and stay home more with the baby. If you can save up enough to

      pay for all the bills on 1 paycheck, and still have that savings set

      aside, then you can easily not work.

      If not, then you’ll just have to do the best you can. FInanchially

      speaking, not every one CAN be a stay at home mom, and it’s hard to

      do- not even speaking from the money you lack doing it that way, but

      the evironment can get to you after a while,t oo.

      In the summer when the kids are all home all day, I go nuts rather

      fast. I’ve been told I have amazing paitence. Personally, I always

      feel like I’m ready to blow my lid when the kids start fighting. I

      guess I just don’t show that part off much. 😉 And the lack of adult

      interaction can be a bit of a downer too, if you are alreday feeling

      a bit down.

      It’s great to be a SAHM. But, you need to financhially be able to do

      it first, so first things first, tighten the belts until you think

      you can’t breath. Every penny you save is a penny towards being home

      with your baby.

      — In Budget101_@yahoogroups.com, “cmboyd_1999”

      wrote:

      >

      > HI Everyone! Some one else may have already anwsered this question

      but

      > I’m gunna ask anyway….

      >

      > I work full time right now doing clerical work and I am expecting

      mine

      > and my husband’s first child in December… I have always wanted

      to be

      > a stay at home mom – not that I think there is something wrong

      with

      > working full time but because I want to be home when my child is.

      At

      > the moment it is not possible for me to quit work altogether

      because of

      > finances. I need to make some where around 280-300 a week for us

      to

      > make ends meet and was hoping there were some stay at home mom’s

      (or

      > former ones) that had some advice on how they did it. I have no

      > problems working part time but there are few- if any-

      oppertunities in

      > our town that would pay enough to do that. Any suggestions would

      be

      > helpful!

      >

      > Thanks!

      >

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