Tuesday, October 19, 2010

To Work or Stay At Home (2 of 2)

June supervises the boys and their friends, To...Image via Wikipedia

Well it looks like I may have until the end of the year to work full time. That will help since I'm still working on paying down our debt. I've been using this debt reduction calendar that I found online, it is fairly simple to use. I've talked to my husband and we are trying to figure out if we can afford to live on one income or if I cut back my hours to work part time if that will help. I found this stay-at-home calculator on the Parents.com website, I do like it but I'm looking for a calculator that I can use in Excel format. I want to have the ability to adjust my expenses and possible income as a SAHM.

It is a mixed blessing, my daughter has been asking for time with mom that I haven't had. My eldest son is graduating this year, and he wants to look at colleges together. The youngest son is walking (I missed his first steps because I was working), and I know my babysitter is not going to feel comfortable with potty training.  So when it comes to these issues, I need to be home. I've come to accept that this is going to be a good thing for my family.

The negative is that I know that once you leave the work place that you don't come back earning the same pay as when you left. This is where I'm hoping that the savings and retirement plans that I have in place are going to be sufficient. I've got some money saved in case of an emergency, and I've also decided that I would try to sell Premier Jewelry. I would be an independent consultant, so I'll have to keep you posted on my progress.

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