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    • #260368

      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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