Full time to Part time

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      Great advice Angela. I, as well as the girls, would have dental and

      medical coverage. I would have to pay a small premium for my

      medical, but not for the girls. I would refinance my mortgage to

      stretch it out a bit….when doing that I could take some money and

      put it into and emergency account. I also own a duplex (I live on

      one side) and they rent would cover the mortgage and most of the

      taxes. That certainly doesn’t solve any problems if I or the kids

      get sick. I would not get paid for time I take off. Would I be able

      to collect TDI if it was something that would require alot of time


      — In Budget101_@yahoogroups.com, “midsummers_song”




      > 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


      > 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


      > 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


      > 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


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


      > 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.

      > Angela

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