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      My husband barely clears the mortgage after taxes and insurance is deducted from his check. We couldn’t even come close to living on his income. The daycare is the primary source of income even if it is unstable.

      He drives 45 minutes each way to work so he’s spending at least 500 per month on gas too. But his job isn’t one that’s easy to find. We can’t move closer either because the laws in KS are very unfavorable towards daycare and homeschooling.

      Even if I was willing to move, it can take up to 6 months to get licensed and you can’t even have 1 full-time child in KS until you are.

      Suzi

      Quote:
      .
      Original Message
      .
      From: Ann Garner
      To: Budget101_@yahoogroups.com
      Sent: Thursday, July 24, 2008 8:28 AM
      Subject: Re: Budget101.com : Budgeting Issues

      At 10:06 PM 7/23/2008, you wrote:
      >One thing that has driven me crazy for the last 21 years is that my
      >income goes up and down a LOT. I can be sailing a long, paying my
      >tithe, paying my bills and even have things paid ahead wherever
      >possible. Then some daycare parent loses their job or gets laid off
      >and suddenly I am missing some of my income.

      If I was in your situation, I would set my budget at hubbies income
      and something like half the day care income. Any income over that
      would be going straight into the savings account for
      emergencies. That way, you would have the funds to use in case you
      dropped below half capacity of the day care and not have to run up
      those credit cards.

      I know–it’s hard to do. Making small changes
      so you gradually get there helps.

      Ann in Arkansas, still making my own small changes, and seeing them
      working for me. 😀

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