(Closed) ***VENTING!***.. Although any advice is more then welcome! Kids, money, daycare

posted 7 years ago in Money
Post # 3
Member
321 posts
Helper bee
  • Wedding: March 2012

My friend, I feel your pain.  A good portion of my teenage-hood was spent wondering about things like this–I worked and got HI through my mom–who qualified, but with my income, I didn’t.  Yeah. It sucks [email protected]  I have no advice, just comiseration.

Post # 4
Member
3943 posts
Honey bee

@FutureMrs.Morgan: Without knowing all the details I cant really give advice. But I do feel your pain. It seems like there are SOO many programs out there for the very very low income, and nothing to help that “working poor” group, ya know? My mom became a single mom of 3 (under the age of 10) and other than social security survivor benefits, she never qualified for anything.

Post # 5
Member
5296 posts
Bee Keeper
  • Wedding: January 1993

@FutureMrs.Morgan: That sucks so much. I don’t think I really have great advice for you – but I would advise against ‘living off the state’. If you have any kind of halfway-decent job, you are gaining experience and time at a job. If the opportunity did arise for a promotion/job change, you will be in a much better position to get it than if you were at home doing nothing.

That is not meant to be any kind of slam against SAHM/SAHW. My mom was one, but if you want to keep working in the future, that’s probably a better way to go.

Post # 7
Member
7300 posts
Busy Beekeeper
  • Wedding: September 2012

@FutureMrs.Morgan: Is the state going after the dad for child support if they are going to count his income?

When my daughter was in daycare I qualified too for assistance and they didn’t count her dad’s income. That’s weird. I hear you though. Even though I was getting help, I was still paying almost $500 a month for just daycare. I’m so glad she is done with it and starting pre school in the fall that costs A LOT less than daycare. 

A PP has it right. There are so many programs out there for the very low income, but you can work two full time jobs and still be struggling in this life. I make good money for myself, but it feels like I just can’t get ahead.

Post # 9
Member
963 posts
Busy bee
  • Wedding: April 2011

I think that I would do everything I could to stay off state assistance.  If that means working more, working different hours, working part time, finding a job closer to home, then I would do that.  I would try everything I could to not use the state benefits.

If you absolutely can’t do it, sometimes you can still get food stamps or WIC (your children are still young) even though you can’t qualify for other programs.

Post # 10
Member
6661 posts
Bee Keeper
  • Wedding: May 2010

There is something seriously wrong with this picture. Your situation is a perfect example of a complete system failure and it totally isn’t your fault. Maybe if the government gave you tax benefits based on the fact that you have two small children and a certain income, THAT would help pay the bills while encouraging you to pursue a career and contribute back to society. I’m really sorry you are faced with such a tough decision and I hope things get easier. Try to think about the long term.

Post # 11
Member
4824 posts
Honey bee

Its not an easy situation but a few options

Dad gets a part time job.

Either of you try to get a different job that works different hours (less daycare) or payss more

Move to a less expensive place.

Look at all your expenses and see where you can cut it down.

No cable (rabbit ears still work!), different cell phone plan, install digital thermostat (saves a lot of electricity), look at your eating habits.

http://frugalliving.about.com/od/householdsavings/tp/Lower_Electric_Bill.htm

http://frugalliving.about.com/od/householdsavings/tp/Save_Money_On_Water_Bill.htm

Eat beans as your protein a few times a week instead of meat, etc. clip coupons, buy sale items or try a different store. some stores are definately cheaper than others

Shop around for different auto insurance rates- you would be surprised how many people overpay because they forget to shop around every few years

 

Post # 12
Member
7300 posts
Busy Beekeeper
  • Wedding: September 2012

@FutureMrs.Morgan: oh! You live together, I see. Yeah, they will count it even if you aren’t married. That sucks.

Post # 13
Member
963 posts
Busy bee
  • Wedding: April 2011

@lefeymw: I agree with all of these!  We clip coupons and it’s awesome.  I barely pay for things like pain relievers, toothpaste/brushes, and razors.  We save about $200/month and we are so stocked up, we barely have to shop right now, which saves us more.  We cut costs by using our air conditioner less during the day, we almost got rid of cable (but signed a deal for basic +internet for less than $50/month), and we plan meals/eat at home most days. We also buy in bulk – like if you buy the family pack of chicken breasts/steaks/etc, you can afford to eat better cuts of meat.  I just repackage and freeze when I get home.

Post # 14
Member
5110 posts
Bee Keeper
  • Wedding: November 2011

I so feel ya!!! Fiance and I have a 14 month old together and we right now get assistance for daycare. But Fiance just got a new job and we were boarderline of losing it. There are somany programs out there, but they are for the people that make like no money. IMO you should at least be working and trying to make ends meet in order to even qualify for these things.. and you are!!! I am so sorry you are going through this I know first hand how rough it can be. Its a struggle trying to balance everything and make all the pieces fit together. Fiance and I both work two jobs and its still rough sometimes. All I can say is that it will..eventuallyget better. As for you quitting your job If its smarter right now I know it sounds bad but do it. If inthe long run thats going to be better for your family you have to lookout for your family. Again Im so sorry your going through this!! Its hard. 

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