Full time to Part time

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      Hi Erin,

      I don’t know if this is a good thought or not. I know that even as

      my husband is full time, and I work part time…we don’t even have

      what I am about to ask/mention to you. We should though.

      Anyway, the first thing I thought of when you mentioned all of this

      is a savings account. I know that sounds so nuts, but even for

      married people working full time it is a good thing to have to fall

      back on incase things get tight. I just happened to think of it when

      you said you are single. I mean, with job security the way it is,

      the chances of something happening with two people getting fired,

      laid off, sick, what ever…is slim. But you have only yourself and

      the kids. That is something I would think about maybe working on.

      Then the other major expenses I thought of right after medical is

      dental/vision. Are your kids covered there too…and what about

      yourself?? My biggest bills aren’t with the doctor, as I also have

      private/state insurance for the kids. It is the dental stuff. It is

      very difficult to get the state insurance to pay for anything other

      than regular cleanings and fillings…so if you have lots of dental

      issues…look for something to suppliment and figure it in. I’m

      still working on that. My 15 year old needs braces desperately!!!

      I don’t know if there is anything else that you would need to think

      of. Just making sure that you could pay the bills and groceries with

      your pay. Also I would plan on all the little things as well in that

      budget, from stamps to socks and everything in between. Atleast

      there are good clothing stores and such to work with, and good

      discount stores to buy groceries.

      I hope it all works out well for you.


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