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Daycare Center and Family Home Forum>Are You Able To Survive On Your Income Alone?
Learning Daycare 09:22 PM 07-14-2014
After you've paid all of your bills, do you have money left over to invest in retirement AND to enjoy the fruits of your labor? How well are you with budgeting? I know going in to business, I'm really going to have to focus on the books and budget more. Right now, my SO handles the finances. I'm a little nervous to have the weight on my shoulders.
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TwinKristi 11:17 PM 07-14-2014
Currently we could tighten our belts and live off my income but 3 kids leaving again would completely change that. My dh & I are both self-employed and have been for the last 6-7 years. It's been pretty hard honestly. We've made a LOT of changes to spending money once it caught up with us and we realized not having an every Friday set paycheck really changes your views on making and spending money. We cut our monthly expenses down a lot about 3yrs ago and now have things pretty well under control. We have the must-pays every month (rent, water, gas/elec, garbage, internet, cell phones, etc) and the annual fees we get however often (Costco in Oct, Amazon in May, my DC ins renewal in Aug, his car reg in May, my car reg in Nov, my license renewal in Dec, his license renewal in May...) and are able to take a vacation once or twice a year. Maybe it's a long weekend camping or a weekend in the snow, some years it's Disneyland or a cabin at the lake. Some years it's nada!
We are changing this though. Dh is ending his business and going to get a job for someone else hopefully with benefits, vacation, weekly paycheck... That will help us with budgeting tremendously!!!!

My income is a little more steady believe it or not. I have the same clients for a period of time paying regularly unless something changes which happens all too often. His clients come and go and are different every day for weeks or the same person for 6 mos. very different! I've been open going on 2 years and have had 7 kids come and go through here not including drop-ins. So that's 7 changes in income in 2 years plus changes with current clients seasonally, 3 left in 3 months last Fall. I've had one boy go from very PT to FT to PT again in 18 mos. I've considered having my dh get his license qualifications and changing to a large daycare but only taking like 2 more kids to make ends meet without him working elsewhere. He wouldn't have to be here all the time if we did that, since we have some PT and sone SA, allowing him to work specific small jobs too. That scares me too much though because as quickly as you can build up your group, they can just as easily all leave!
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Josiegirl 03:09 AM 07-15-2014
I support myself and don't have a whole lot of savings. I keep my bills paid and don't take vacations. I've indulged myself with 2 dogs though and they can get expensive from time to time. I have 2 dds still in college who I do try to help when I can. But they already know the bulk of tuition is on them.
There are definitely areas I could trim spending but don't. The ups and downs of enrollment makes me extremely nervous. I do great during the summer with extra SA kids but have to be more careful during the school year because I wasn't full last year and doubt I will be this year either and that's also when all the big bills hit, heating expenses, house/car/daycare insurance. Family daycare seems to be on the down slide in my area.
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daycarediva 03:51 AM 07-15-2014
We don't take vacations.

We budget well and bought a house within MY means with 5 FT kids (excluding dh's income, who is also self employed).

We only have 1 car payment at a time, which means one of us takes a turn driving an older car.

We have a savings equal to 3 months bills/expenses at the moment.

We have private health insurance.

We have retirement.

I'd say we are doing well.
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midaycare 03:54 AM 07-15-2014
Sadly, no. I could not support myself on my income alone. I can only have 6 kids, right now I have 4, and they are all some version of part time.
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Second Home 04:30 AM 07-15-2014
I could not support my family on daycare income alone , even if I were full with ft kids .
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Meyou 04:33 AM 07-15-2014
We support ourselves on my income. DH's income is for extras, savings, sports (this is our biggest extra expense) for the kids and vacations.
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Play Care 04:39 AM 07-15-2014
I've said the only way I can do this job is because my husband has a reliable job with health bennies (he's a teacher in a strong teacher union state) The last couple of years I've *grossed* between 45-50 grand - that's being completely full, getting Tier 1 food program reimbursement, etc.

In my state, in homes can only have 5 or 6 FT kids and 2 SA spots (you can fill the FT spots with SA kids, but SA spots are strictly for SA) so it would be incredibly difficult to really live on day home income alone (then add to that not having health ins, retirement, etc.) And frankly, I wouldn't want to work my 60+ hours weeks and then not be able to take a vacation ever, or take a day here and there off, etc.
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Naptime yet? 04:40 AM 07-15-2014
Originally Posted by Second Home:
I could not support my family on daycare income alone , even if I were full with ft kids .
Me neither. My dh pays the bulk of the bills & I pay the few that I can. I basically live paycheck-to-paycheck.
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permanentvacation 04:43 AM 07-15-2014
I literally laughed out loud when I read the topic title! Um... No. I can not support myself on my income! Thank God for child support... it pays my rent!! I keep worrying and trying to figure out what to do so I might be able to support myself in less than 2 years when my daughter turns 18 and the ex no longer has to pay child support. I am actually afraid that I won't be able to support myself and am really worried about my financial future. I am also really concerned about my long-term financial stability which is why I started the thread about how to save for retirement. Which is sort of a dumb thought on my point since I have a hard time paying my monthly bills, but retirement is something that I need to think about.

Now, If I had stayed living in the home that I originally lived in when my ex and I first got separated and still had the income I made there, then, yes, I would have been able to support myself off of that income. But since I have moved to a lower income area where parents can't afford what I consider to be decent rates for daycare, no, now I can't support myself. I keep thinking of ways that I might be able to move back to the higher income area after my daughter gets out of high school. If I can get back to a higher income area, I think I would be able to support myself.
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permanentvacation 04:48 AM 07-15-2014
Enjoy the fruits of my labor I haven't enjoyed fruits of my labor in YEARS!!
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MotherNature 05:02 AM 07-15-2014
I make enough to pay for groceries that week. That's it. I only take one or two kids at a time, so no... I'm in kind of a holding pattern at the moment. My husband is disabled, but still goes in to work & it's breaking his body even more. He was in a very bad car accident 2 yrs ago when a kid ran a red light and flipped our Soul, totalling it and breaking his back, and causing severe damage & we'll finally be getting a settlement in August, which will pay out in October most likely. Depending on how much it is and if there's a further trial against others involved in the case, we'll see where to go from there. Ultimately, we'd like to have enough to put a down payment for a house, get a decent used vehicle or two, and pay off some money we both owe college. I've got one year left for my degree in medial assisting, so I'd finish that, go to work, and he'd quit, go on disability and return to school full time, possibly to be a doctor. Barring that, we'd also like to own a couple duplexes to be able to not have him killing himself just to pay bills.
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CraftyMom 05:12 AM 07-15-2014
No, I couldn't live off my income currently. Not unless we downsized. We have a big mortgage that I could not afford alone. Other than that, IF I remained full constantly I could make it work.
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Annalee 05:19 AM 07-15-2014
My daycare business is the primary income in my family! The first 10 years, my husband's income was primary but the place closed, and where he works now has great insurance, but not the income like before....
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Unregistered 05:23 AM 07-15-2014
We could but I wouldn't want to. All my income is just extra,however it goes directly into savings,retirement,vacation fund and back into the daycare. I'm just not sure how anyone lives on one income any more? We live way below our means and have no car payment,no cell phone payments(my husbands is paid through work)no debt except our mortgage and my husband makes good money.Everything is just so expensive!
Plus I would like to retire early so I just keep saving and counting down the days,eh,years until I can retire
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Meeko 05:47 AM 07-15-2014
Our daycare is our main source of income. But we are licensed for 16 kids. We are not rich by anyone's standards, but it pays the bills and then some.
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Annalee 05:48 AM 07-15-2014
Originally Posted by Meeko:
Our daycare is our main source of income. But we are licensed for 16 kids. We are not rich by anyone's standards, but it pays the bills and then some.
Same here!
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EntropyControlSpecialist 05:51 AM 07-15-2014
Been living off of my income for, at least, the past 1.5 years. Some months are much, much better than others. It is difficult. I DO NOT enjoy operating at max capacity (total of 11 kids if by myself, 12 kids if working with someone). It overstimulates me. I much prefer operating with only around 7 kids here, excluding my kids (1 of which counts in the ratio). However, it takes about 7-8 kids to pay all the bills so there ya go. Not a lot of saving going on if I am doing that.
We are now going to have additional income coming in which will be really, really, really nice. When the weight does not rest entirely on my shoulders and is a little bit more split I feel like I have breathing room.
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Blackcat31 05:59 AM 07-15-2014
Yes, my family can live comfortably off my income alone.

My DH is also self-employed.

However, I make a steady weekly income where as he is paid by the job so the income isn't as consistent as mine.

Although his paychecks are MUCH larger.
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Tdhmom 06:51 AM 07-15-2014
No way could we live off my income...I'm lucky if I can pay for the full grocery bill every week. I also only have 2 kids and can have up to 4, I choose not to. I have just accepted a job for the parents as teachers program within our school district so I'm hoping to double my income. It's after hours so I can continue daycare (unfortunately )

My husband, like many others that have posted, is self employed. His paychecks aren't steady but they are much more than when he worked full time at a factory.

We also don't live nearly like we did (before 3 kids) when we were house poor and both working full time outside of the home and still living paycheck to paycheck. We've cut back a lot! We moved to a much smaller community (40 min from town) so we could afford a bigger house, much better school district though! I have driven a beat up van for 4 years, just so we only have one car payment...just sold the van and paid for a newer vehicle with cash (you can negotiate a lot easier with someone when you're offering cash for a vehicle). We don't go on vacation (maybe one year we'll be able to afford that expense); we never go out to eat and if we do it's a kids eat free night.
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Chellieleanne 07:05 AM 07-15-2014
I only have one DCK so definitely couldn't live off my income if DH lost his job. I want to be able to be at that point where I could support us if something happened but that won't be for many years since I have two young kids of my own we a third on the way.

I could support us if I had 4 FT kids but we would just be getting by on the bare minimum and we would have to downsize from our current lifestyle. Wouldn't hurt to downsize anyway as I would like to start saving more for retirement we save more for our kids than we do for us!

My income is just sort of extra for me to buy stuff for the kids and to have a job history and work history for my credit score and all that for when we decide to buy a house.
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jenboo 07:22 AM 07-15-2014
We are mostly living off my income for summer and it's working.
My husband only works part time in summer. At the beginning it was 4 hours a week then he got 4 more. He just picked up even more hours so that's nice. He will be full time again when school goes back.
This was a great test to see how far my income would go. We would have been fine but I'm down one child right now so that makes a huge difference. I would have been barely able to cover all bills, car gas and groceries (keeping it to a minimum) but there would not be a penny left over.... Nothing to save, only paying minimum payments on everything....
We don't have much debt to pay off besides the mortgage and AC ($800 of vet bills and $900 left on our car), but it's killing me that we were supposed to have it paid off this summer and now it won't be happening until Oct.

So yes, we can barely get by on my income (i can have to to 6, currently have 5 but 4 only come 4 days a week and my rate for them is way too low) but there would be no room for savings or fun. Our only luxury bills are internet and our phone. We do a lot of thrift store and garage sale shopping when we need things.

Oh it's just my husband and myself and two dogs (one is blind and definitely racks up the vet bills). We don't have any children.

Eta: I bring in a decent amount more of income than dh
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spud912 07:30 AM 07-15-2014
My gross income last year was just over a grand, so no way!!
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mom2many 08:30 AM 07-15-2014
Where I live in Ca it is way too costly to survive on my income alone.
We have my dh's substantial pension income to live on and his side work money helps with extras.
We both bring in about $5000/month and with that we are able to put money away and live comfortably.
I can only have 8 kids, so even if I was running at full capacity- the most I could make is $6000/mth. & that's not easy to live on here without making some serious changes!
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daycare 08:44 AM 07-15-2014
I am also in CA, but I have a large dc. I run it with 4 employees that are all PT.

I am the only one that works we live off of only my income. I have a family of 5 and one kid in college.

my husband works only to pay off his school loan at this point. he works 2-3 times a month.
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spinnymarie 08:47 AM 07-15-2014
The way I've set my daycare up means I'm not making very much money - I'm in it more for the stay home with my kids aspect.
Right now my sister is a 50% partner, we only work school years, and we don't do SA.
However, even if I had an assistant at minimum wage instead of my sister, operated at max capacity and did it year-round I don't think we could live off my income alone.
DH works for the local University and makes more than three times what I'm currently pulling in yearly, with a promotion and raise in the works.
In the event that he can no longer work (heaven forbid) I'd go back to teaching public school, no question.
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Learning Daycare 09:50 AM 07-15-2014
It is so interesting to see the difference in area, pay and capacity. I'm really hoping to be realistic and provide for my family. It seems like we have been struggling for the past two years and can't wait for things to let up!
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LysesKids 02:28 PM 07-15-2014
See, I have had to survive on what I make (daycare or otherwise) over half of my life... partially due to divorce, then being widowed by #2 when we were in our 30's. I used the 700 SS we got each month on the kids and my income had to cover the rest. I have stayed in certain states for that reason... lower cost of living lol; I own my home now, but still have lot rent, food utilities etc, etc to pay. I can only have 4 kids at a time too. My youngest daughter who is in college thanks me for being low income so she gets more federal $$ now that none of them gets survivor bennies anymore

This summer was bad... only 2 kids for 3 months now with a drop-in once a week. Come August 4, all 4 spaces are filled thank goodness. If I hadn't saved a few thousand back and had paid down credit cards, I would be sunk right now. I hope to pay the cards back down before Christmas. BTW, I also own my car outright and don't have cable except basic internet... even my phone plan is as low as I can get it and still swipe credit cards on it. And before anyone says go out and get an outside job that would pay more... part of why I still do childcare is I'm partially disabled and nobody would hire me if I am in pain half the time (much less able to stand or walk for long times due to my bum leg )
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Sereetta 03:06 PM 07-15-2014
Yes. I budget well and my savings in growing. I joined an investment club in regards to retirement and I also participate in one sou source club a year. I'm licensed to have 12 under six and 4 school age. I have yet to reach that quota.

Honestly I trust that this is where God has called me to be and rely upon him to handle my lack and he has never failed me.
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jenboo 03:07 PM 07-15-2014
I'll share.
I'm in Nevada. I can have up to 6 children.
Our mortgage is $848 a month.
We spend $200-250 a month of groceries for my husband and I.
Energy bill is around $300 during the summer and $100 in the winter.
Water is around $60-100.
.... There's an idea of living expenses...
When I'm full, I can cover all monthly bills and gas for the car and groceries. That's it.
My husband's income covers irregular expenses, savings and basically anything that isn't a bill (house repairs, shampoo, cleaning supplies....)
With both of our incomes combined we bring in around $4000 a month (but I'm not full right now and he isn't working full time until school is back in session).
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Aussiedaycare 03:26 PM 07-15-2014
I can not survive on my income alone - that is why I have a second (different) job on weekends and a third (different) job on Friday and Saturday nights.
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daycare 03:29 PM 07-15-2014
Originally Posted by jenboo:
I'll share.
I'm in Nevada. I can have up to 6 children.
Currently I have 4 that come four days and one that comes 5.
My take home pay (after taxes and about $50 of supply money) is $500 a week. Once I get one more child I'll get $600 a week in take home.
When school is back in session, DH will be bringing in about $850 every two weeks.
Our mortgage is $849 a month. All other bills (cell phones, car insurance (only have one car), energy, gas, water, trash, internet.....) Total around $1200-1400 a month.
Not included in that is $900 left on the car and $800 of vet bills which will be paid off by October.
ugh I would love a mortgage.....my rent is $3250 for 1300sf...........................ugh
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jenboo 04:03 PM 07-15-2014
Originally Posted by daycare:
ugh I would love a mortgage.....my rent is $3250 for 1300sf...........................ugh
I would also love to be back in California...
We moved here from living in San Diego all of our lives because we couldn't afford to live there...
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Learning Daycare 04:18 PM 07-15-2014
Originally Posted by jenboo:
I would also love to be back in California...
We moved here from living in San Diego all of our lives because we couldn't afford to live there...
I really, really, really miss California too. I was up North though, between SF and Sacramento. I would definitely LOVE to move back one day. Being in a nice place like that was the BEST perk of the Air Force!
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Learning Daycare 04:20 PM 07-15-2014
It is becoming real to be that I possibly will struggle for a while. My SO will be joining the military soon so, we won't fully rely on my income. That would drive me crazy!
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jenboo 04:40 PM 07-15-2014
Originally Posted by Learning Daycare:
It is becoming real to be that I possibly will struggle for a while. My SO will be joining the military soon so, we won't fully rely on my income. That would drive me crazy!
It's hard unless you have a good savings because the income isn't always reliable.
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daycare 05:40 PM 07-15-2014
Originally Posted by jenboo:
I would also love to be back in California...
We moved here from living in San Diego all of our lives because we couldn't afford to live there...
awe....yes SD is a very nice area...but you def pay for the price for that golden weather...

I hope that you are happy with where you are living now....
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jenboo 05:44 PM 07-15-2014
Originally Posted by daycare:
awe....yes SD is a very nice area...but you def pay for the price for that golden weather...

I hope that you are happy with where you are living now....
I'm very much enjoying where we are. Its definitely not San Diego but we can finally afford to go on real vacations and we own our house and I have my daycare.
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KayB 05:53 PM 07-15-2014
I wish we could survive on my income alone so my husband could quit work and work on his honey to do list around here!
I honestly don't see how we know if we can survive in this business with it always going up and down. Rather it's family leaving or outgrowing your place or whatever. I just think we need to be real smart with how we manage our money and our program to survive.
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craftymissbeth 10:23 PM 07-15-2014
I'm making around $1200 a month and I have just enough for bills and savings. No extras, no fun, no eating out.

But my 1-3 year goal is to buy a fifth wheel and move to our local state lake. The "rent" there is less than $800 a year and just get a job outside the home. I'm over the daycare at this point.
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Cradle2crayons 01:07 AM 07-16-2014
There is no possible way I could survive (even if I were single and childless) on just my daycare income.

I can only watch 5 not including mine, and the average price in this area for infants is somewhere between 80 and 100 bucks a week for FT. The averages are somewhere around $75-90 for all ages.

That's a max of $500 a week.... Or $26,000 a year..BEFORE daycare food and minimum supplies. It's beyond impossible unless I had no kids, my house and car were free, and nothing broke like my car or something at my house.

My husbands job pays the bills and my daycare money and the few shifts I work PRN at a local hospital pay for extras.
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LysesKids 06:39 AM 07-16-2014
Originally Posted by Cradle2crayons:
There is no possible way I could survive (even if I were single and childless) on just my daycare income.

I can only watch 5 not including mine, and the average price in this area for infants is somewhere between 80 and 100 bucks a week for FT. The averages are somewhere around $75-90 for all ages.

That's a max of $500 a week.... Or $26,000 a year..BEFORE daycare food and minimum supplies. It's beyond impossible unless I had no kids, my house and car were free, and nothing broke like my car or something at my house.

My husbands job pays the bills and my daycare money and the few shifts I work PRN at a local hospital pay for extras.
I am now childless (all are grown), single (been that way for years) and it was thru sheer luck that I got a small inheritance that paid my 2 bd/1 bth modular free & clear... Most I make is about 500 week also if I have all 4 spaces full (I get 125 for up to 50 hrs), but I'm also on food program even as a licensed exempt home, because TN allows it. My credit cards are there for emergency use and have been used all summer due to only half spaces being filled. I allways get full for fall semester and am hoping I don't have to let a child go because of parents garbage ( happened 2 times this year)
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Childminder 08:34 AM 07-16-2014
We have been living off of my income since 2010 when DH's unemployment ran out. He was employed working contract for GM for 38 years. You know how they say to keep enough in savings for 6-8 months? Well that's been long gone.

Everything is paid off except our $1000 a month mortgage, utilities and food. My DH was/is on a prescription that cost $18000.00 a month, that was a joke when insurance was gone. We didn't have health insurance till January and Obama Care. Had to put on a new roof in 2012 to the tune of $10,000. We have cut everything possible like cable, hair cuts, insurances/deductibles, prescriptions, eating out, travel, entertainment, shopping, meat except chicken and ground beef, phone extras, smoking (yea I know, needed to anyway), pop, etc...

We do nothing. Go no where. Except to the grocery once a month. Internet is my only splurge and that is because I can write it off by it being primarily day care related. DH has his SSI date on count down because our income will double when he turns 66.

Yes you can live on daycare income. Is it enough? Not always. Sometimes if enrollment is full we can even do fun stuff or extras. Sometimes when enrollment is low, paying bills get's rough. Thank God I love my husband as much as I do and we enjoy each others company.

Oh! I play the lottery once a week and my day care families will find a note on the front door when I win. Or I might text them after our plane leaves...
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christine19720 10:21 AM 07-16-2014
Maybe, but it would require much sacrifice and I hope I will never find out. Thankfully, my dh has a pretty decent income, and says he would never depend solely on my childcare job to pay our bills because it's so unpredictable, and I totally agree. I actually feel kind of lucky I can do this job because of it being so unstable. Most people I know need a job where they are 99% sure they will be paid. Dh is a pretty stand up type, mans man guy, I could never imagine him letting me be the sole supporter of our family....
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Unregistered 07:27 PM 07-16-2014
I did for about three years after I got divorced. I had two teenage daughters. I could take six under kindergarten age and five before and after school kids and I was always full. I had a low mortgage and did fine.
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Unregistered 07:41 PM 07-16-2014
I have been since time began. Well, almost.
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AmyKidsCo 08:55 PM 07-16-2014


The funny question you ask!

Not a chance. It's not easy with hubby's teaching salary plus mine; no way we could make it on mine alone. Or his alone, for that matter.
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Crazy8 04:23 PM 08-13-2014
Originally Posted by Meyou:
We support ourselves on my income. DH's income is for extras, savings, sports (this is our biggest extra expense) for the kids and vacations.
We are the exact opposite here - we could survive on DH's income alone if we had to, mine is for savings, all the misc. shopping, sports, vacations, etc. I feel like we *need* my income but it does help to know that we will still be ok if a child leaves, etc.
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suehelen 03:03 AM 08-14-2014
Yes. My husband is my partner and we do very well.

We bought a brand new truck last year that will be paid off this year.

Our house will be next.

We have private health insurance.

We have at least 6 months of expenses in an emergency fund.

We've been fortunate and business has been good but we're looking ahead to next year when our preschoolers head to kindergarten. That's why we're concentrating on paying the truck and the house off within the next year and a half. We could live comfortably on less than half of what we make right now.
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DaveA 05:05 AM 08-14-2014
My wife makes dramatically more $ than I will and handles most of the bills. My money goes for groceries, savings, and the eternal little odds and ends that crop up with kids. It is also building my bladesmithing business so that if/when I switch to doing it full time I'm starting out in a good place. Don't tell anyone, but I plan on being an overnight success 5-6 years from now.

Could we? Yes- but it would not be pretty. As a family we're set up for 2 incomes.
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e.j. 05:33 AM 08-14-2014
We couldn't survive on my income alone. My husband pays our mortgage, real estate taxes and health insurance, we share heating oil expenses and I pay for food, utilities (tv, phone/internet, electric and water), car and home insurance and any expenses for the running of my day care. We each pay for our own vehicles and share medical expenses beyond what insurance covers. We don't eat out very often, we stay home for vacations and don't really spend much on "extras". We're paying our bills without trouble right now but I worry constantly about the possiblility of my husband getting laid off, about me not being able to fill day care spots or either one of us getting sick and being unable to work at any given time. It wouldn't take much for us to start experiencing financial problems.
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Cat Herder 06:16 AM 08-14-2014
I could definitely survive on my income alone..I did for years.

I simply could not (um, would not ) also support another "fully capable of working" adult on it. (yes, this goes both ways, my DH is awesome )

If the "fully capable" was jerked out from under him, I am confident that with a few tweaks of our working budget I could find a way. I strongly feel he would do the same. (again, he is awesome )

Plan B, and C, and D is kind of what my head does when I try to sleep...
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Unregistered 07:30 AM 08-14-2014
yes
I am a singe parent with a small mortage
this year I am doing well
I have many animals , one child of my own . a truck on road and day care van and now a moter home
to make it all work I also have two other little wee businesses
I write almost everything off
I advertise "critters and crafts " so half the pets or writen off and the small farm animals pay for themselves in sales
the truck is half writen off towards the farm end and personal
I have some money in the bank but still poor in the tax mans eyes
most my clients now are here over a year so I feel secure right now

3 years ago it was a different storey ....I had no kids closed the day care and blew my shoulder gardening for work and couldnt do a thing ...only thing that kept me going was mortage insurance...I went into a year of depression
I missed the day care and reopened ...took a year and was full again
I work from sun up to sun down and I feel it every day ...but it is paying off and hopefully I can retire in less than 10 years ...lol.....I am getting too old for all this
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LoraJenkins 06:28 PM 08-14-2014
I am really down in numbers right now. If I were full we would have enough to live on for a year or so because of savings. If something hapoened to my husband's job past that time frame, we would be hurting.
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Unregistered 02:03 PM 08-21-2014
I currently have four children in my care; two full time and two part time. It works well with our homeschooling and my doula work but it absolutely does NOT pay our bills. It covers groceries and the various memberships/outings we take. That's it. I work 3-4 shifts per week as a per diem nurse and that is actually enough to pay our bills with excess. My husband works full time in IT support and his salary is enough to support our family solely, but it would not allow much for extras. Between it all we are finally comfortable but it took us quite a while to get here and I am so thankful to God for this opportunity to start a savings and not shoulder the finances solely any longer. Soon, I'd like to cut down my nursing hours a bit, too, but realistically that's 3-6 months away when DH gets his next promotion.
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