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

off?

— In Budget101_@yahoogroups.com, “midsummers_song”

wrote:

>

>

> 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.

> Angela

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